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, natural disasters, terrorist incidents). This type of insurance can be purchased through a travel agency or travel insurance company.

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Here are some frequently requested documents related to the insurance:

Description of Coverage

How to Use Your Insurance While Abroad

Medical Expense Insurance Claim Form

Trip Cancellation/Interruption Insurance Claim Form

Insurance Claim Instructions

Need Additional Insurance Coverage?

Glossary:   ACI-Claim processer  AXA-Travel assistance provider  Chubb-Insurance company

Students who take mental health or other medicines should contact AXA Assistance USA 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.