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Health and Travel Insurance

Students participating in University of Richmond semester abroad programs will be automatically enrolled in a travel insurance plan tailored to meet the needs of study abroad students health & safety. The insurance is underwritten by ACE American Insurance Company. Assistance and Security Services are provided by ACE Travel Assistance (AXA).

Major Features of the Study Abroad Insurance


Covered Accident or Sickness: some expenses have limitations (e.g., prescription drugs, physiotherapy, nervous/mental disorders, etc.)

Up to $500,000

Medical Evacuation & Repatriation of Remains

100% of covered expenses

Emergency Reunion Benefit for one family member

Up to $12,500  

Worldwide Travel Assistance (Medical and Security) 

Available 24 hours/7 days

Trip cancellation and interruption due to medical reasons

Up to $5,000

Baggage loss

Up to $500

Security Evacuation

Up to $100,000  

Personal Liability

Up to $100,000  

The foregoing summary/outline does not take the place of or alter any of the conditions, exclusions, and other terms of the insurance policy herein summarized. It is merely a short descriptive guide for convenient reference.   

The Description of Coverage (“DOC”) provides a summary of benefits of the insurance plan and further detail of the benefits, coverage, definitions, terms, conditions, exclusions and limitations. The DOC is not a contract of insurance. The terms and conditions of coverage are set forth in the Policy issued to the University of Richmond and the Policy is subject to the laws of the state in which it was issued.

For questions regarding coverage, please contact Michele Cox, Director of Study Abroad, at the University of Richmond’s Office of International Education.

In compliance with federal law, this insurance does not apply to the extent that trade or economic sanctions or other laws or regulations prohibit the insurance, including, but not limited to, the payment of claims. For a list of countries currently sanctioned by OFAC, please visit http://www.treasury.gov/resource-center/sanctions/Programs/Pages/Programs.aspx.

Please note that trip cancellation and interruption due to non-medical reasons is not covered (severe weather, transportation strikes, terrorist incidents). This type of insurance can be purchased through a travel agency or travel insurance company.

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Insurance Forms and Documents
Prescription Medications Abroad

Students who take mental health or other medicines should contact ACE Travel Assistance (AXA) at the telephone number on your insurance card at least three months prior to departing to get advice about the availability and legality of prescriptions abroad. For more information about medicines abroad, please refer to the U.S. Dept. of State’s web page for Students Abroad.

Many drugs are not available abroad. For example, Adderall is not available in the United Kingdom. Adderall and some other prescription medications may even be illegal in some countries (for example: Thailand, China, and some Western European countries), so students could face legal issues when simply traveling with their prescriptions, not knowing they are carrying illegal drugs. Many mental health drugs pose problems abroad and it is always recommended for the student to learn about options prior to leaving. 

For contraceptive medications, the combination of drugs and/or dosages outside of the U.S. may be slightly different and would not be translatable. Students should take an adequate supply of contraceptives with them while abroad.

Insurance

The University of Richmond is proud to partner with Mercer Health & Benefits LLC as it’s independent Consultant and Broker managing our study abroad health and travel insurance plan.  Mercer is a global consulting leader with more than 20,000 employees operating in over 140 countries. Mercer is a wholly owned subsidiary of Marsh & McLennan Companies, a global team of professional services companies offering clients advice and solutions in the areas of risk, strategy, and human capital.

ACE American Insurance company (ACE USA), part of The ACE Group, is consistently rated among the highest for financial strength from the industry’s principal rating agencies and provides a broad array of insurance products and risk management services to clients across the United States and Canada.  ACE has a physical presence in 53 countries and business conducted in more than 170 countries.  The ACE Group serves a diverse group of clients including multinational corporations, local businesses throughout the world, insurance companies, and individuals purchasing personal accident, supplemental health and life insurance coverage.

AXA Assistance is the global assistance specialist provider in travel, health and personal services. Its staff is located in 33 countries and do business in over 200 countries. They look after their customers and protect them by providing best-in-class solutions beyond immediate situations 24 hours/day. AXA Assistance is wholly-owned by the AXA Group.