Health Insurance for Study Abroad

Health Insurance Requirement

University of Missouri-Columbia students participating in a study abroad program must be covered by a health insurance plan that provides them with comprehensive coverage both in the U.S. and abroad. Whether you are enrolled in the University of Missouri Student Health Plan, a plan through a parent's employer, or another type of plan, it is essential for you to be familiar with the coverage that you will have and the procedures you will be required to use while you are overseas.

Many students assume that the health coverage they have in the United States, whether under their parents' plan or their own, will cover them overseas. That is not always true, as many policies have strict coverage limitations, or only cover medical emergencies abroad. The International Center, on behalf of the University of Missouri, requires that all students studying abroad provide proof that they possess health insurance coverage that matches or exceeds the coverage of the MU Student Accident and Sickness Insurance policy prior to their departure for study abroad.

If you do not have health insurance, or find that your current health insurance plan does not cover care overseas or only covers emergencies, then you will need to purchase a comprehensive insurance plan for study abroad participants. The University of Missouri recommends that you purchase the HTH Worldwide Sickness and Accident Policy for Study Abroad , a policy that was created especially for study abroad students from the four University of Missouri campuses.

Benefits

In addition to providing comprehensive health insurance, HTH provides emergency travel medical insurance, including medical evacuation. HTH also has identified a network of doctors worldwide who will provide treatment and file claims on your behalf without requiring payment at the time of treatment. Prior to departure for study abroad, HTH assists students in establishing treatment for on-going medical conditions while abroad (including doctor visits and continuing medications). For a brief summary of the features and benefits of the MU Study Abroad Insurance plan, please see the policy brochure . The cost of the policy is $37.45 per month.

Enroll Online

Study Abroad participants enrolled at MU generally enroll in the HTH Worldwide policy on-line (credit card only).

Enter the access code CBK-2348 in the box on the left hand side for the University of Missouri-Columbia-Study Abroad plan. Each participant must enter the start date and end dates for his/her study abroad program. Study abroad participants are required to maintain enrollment throughout the entire duration of the study abroad program. Note: If you do not have a credit card, see Jessica LeTourneur, Study Abroad Assistant, in the International Center, N52 Memorial Union, to obtain a hard copy of the enrollment form.

After you have enrolled in the MU Study Abroad Insurance plan and received your Medical Insurance ID card from HTH Worldwide, visit: http://hthstudents.com. Using the certificate number of the front of the card, sign in to the site to obtain comprehensive information relating to this plan, including a doctor locator, city health profiles and translations of medical terms and phrases. Your family can access this same information by logging in to: http://www.hthparents.com. They will need your insurance ID card number or your e-mail address in order to sign in.