International Educator - November/December 2012 - S-4

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EDUCATOR
H E A LT H & I N S U R A N C E S U P P L E M E N T

International

A handful of companies offer different types of plans that you can customize. For example, a group “trip cancellation” plan covers program cancellations when stated events occur prior to departure.  A group “trip interruption” plan covers program cancellations that occur when the program is already underway. 
funds have likely seen them dwindle in recent years, and any remaining reserves may be insufficient to cover anticipated needs. If such funds are available, their distribution will certainly soften the financial blow, but this does nothing to address the concerns of students on a tight graduation timeline. Creative academic assistance may permit students to add a summer session or an independent study and still graduate on schedule. Other students may have to accept graduating later than planned. Of course, the absolute worse-case scenario is when the institution is unable to offer any reparations for the program closure resulting in a “perfect storm” outcome: loss of the experience, loss of time, and loss of money. Bear in mind that Travel Warnings are the highest level of government alert regarding international travel. They note long-term, systemic, and dangerous conditions tied to political, social, economic, or environmental conditions, and where the government’s ability to assist travelers may be severely limited due to internal or external travel restrictions. Although the U.S. DOS issues other types of travel bulletins such as Messages for U.S. Citizens, Emergency Messages for U.S. Citizens, and Travel Alerts, trip cancellation or interruption policies do not generally covers these classifications. Less common events that can be covered include acts of civil unrest within a certain radius of the program’s destination city or the issuance of a Centers for Disease Control and Prevention (CDC) Travel Health Warning. Coverage is not likely available when the CDC issues other types of health travel notices, such as In The News, Outbreak Notice, and Travel Health Precaution.  Furthermore, the growing presence of education abroad programs operating in countries with existing Travel Warnings (typically under some type of review and approval process) has caused some carriers to develop unique types of coverage. For example, it is possible to obtain a rider to cover pre- and postdeparture cancellations of programs already approved to operate in a country with a Travel Warning but where a change of condition has caused the institution to consider the location too risky. However, the rider can be very specific, requiring that the triggered event or circumstances have occurred within a certain radius of the destination city and with confirmation from the carrier’s security information assistance service that travel is no longer advisable. Some carriers may bundle both the “trip cancellation” and “trip interruption” types of coverage together, but it may be worth covering them separately, perhaps even for different amounts if you have a lot of control over the costs of the programs that could be cancelled. For example, if you operate primarily faculty-led programs, you will likely be required to refund the tuition before the program starts (the same as if a class on campus that did not reach its target enrollment were cancelled). If you cancel early enough, you may not have even billed the students for the tuition yet, so why buy insurance to cover it? Perhaps in such cases you only want to insure airfare, activity/excursion fees, or housing costs—expenditures that you are unlikely to recoup even if you cancelled several weeks prior to departure. 

Trip Cancellation Coverage
Fortunately, a relatively new insurance product has been developed to mitigate one of the financial risks of study abroad programs: trip cancellation insurance coverage. A growing number of higher education insurance carriers are offering plans that cover cancellation and/or interruption of study abroad programs. This type of coverage
INTERNATIONAL EDUCATOR 20 1 3 H E A LT H & I N S U R A N C E S U P P L E M E N T

is relatively new, so working with an experienced broker consultant to find the right plan (at the right price) for your students and your institution is important. As with other types of insurance coverage, a thorough submission of information on your programs’ locations, activities, costs, enrollment, supervision, history of cancellations, and travel policies, increases your chances of obtaining an appropriate level of coverage at an acceptable price point.

How It Works
A handful of companies offer different types of plans that you can customize to a certain extent. For example, a group “trip cancellation” plan covers program cancellations when stated events occur prior to departure. A group “trip interruption” plan covers program cancellations that occur when the program is already underway. Common covered events include terrorist incidents occurring in your program location within a certain number of days prior to departure; the cessation of commercial air traffic to your destination (for a period of time near your scheduled arrival); a natural disaster that renders your destination accommodations or other regular facilities unusable; and the issuance of a new U.S. Department of State (U.S. DOS) Travel Warning.

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Table of Contents for the Digital Edition of International Educator - November/December 2012

International Educator - November/December 2012
Table of Contents
From the Editors
In Brief
Voices
Transforming Lives
Local Connections
Juniata College Faculty Discovered the World and Students Followed
Partnering
Forum
In Focus
Health and Insurance Supplement
International Educator - November/December 2012 - International Educator - November/December 2012
International Educator - November/December 2012 - Cover2
International Educator - November/December 2012 - Table of Contents
International Educator - November/December 2012 - From the Editors
International Educator - November/December 2012 - 3
International Educator - November/December 2012 - In Brief
International Educator - November/December 2012 - 5
International Educator - November/December 2012 - 6
International Educator - November/December 2012 - 7
International Educator - November/December 2012 - 8
International Educator - November/December 2012 - 9
International Educator - November/December 2012 - Voices
International Educator - November/December 2012 - 11
International Educator - November/December 2012 - 12
International Educator - November/December 2012 - 13
International Educator - November/December 2012 - Transforming Lives
International Educator - November/December 2012 - 15
International Educator - November/December 2012 - 16
International Educator - November/December 2012 - 17
International Educator - November/December 2012 - 18
International Educator - November/December 2012 - 19
International Educator - November/December 2012 - 20
International Educator - November/December 2012 - 21
International Educator - November/December 2012 - 22
International Educator - November/December 2012 - 23
International Educator - November/December 2012 - 24
International Educator - November/December 2012 - 25
International Educator - November/December 2012 - Local Connections
International Educator - November/December 2012 - 27
International Educator - November/December 2012 - 28
International Educator - November/December 2012 - 29
International Educator - November/December 2012 - 30
International Educator - November/December 2012 - 31
International Educator - November/December 2012 - 32
International Educator - November/December 2012 - 33
International Educator - November/December 2012 - Juniata College Faculty Discovered the World and Students Followed
International Educator - November/December 2012 - 35
International Educator - November/December 2012 - 36
International Educator - November/December 2012 - 37
International Educator - November/December 2012 - 38
International Educator - November/December 2012 - 39
International Educator - November/December 2012 - Partnering
International Educator - November/December 2012 - 41
International Educator - November/December 2012 - 42
International Educator - November/December 2012 - 43
International Educator - November/December 2012 - Forum
International Educator - November/December 2012 - 45
International Educator - November/December 2012 - 46
International Educator - November/December 2012 - 47
International Educator - November/December 2012 - In Focus
International Educator - November/December 2012 - Cover3
International Educator - November/December 2012 - Cover4
International Educator - November/December 2012 - Health and Insurance Supplement
International Educator - November/December 2012 - S-Cover2
International Educator - November/December 2012 - S-1
International Educator - November/December 2012 - S-2
International Educator - November/December 2012 - S-3
International Educator - November/December 2012 - S-4
International Educator - November/December 2012 - S-5
International Educator - November/December 2012 - S-6
International Educator - November/December 2012 - S-7
International Educator - November/December 2012 - S-8
International Educator - November/December 2012 - S-9
International Educator - November/December 2012 - S-10
International Educator - November/December 2012 - S-11
International Educator - November/December 2012 - S-12
International Educator - November/December 2012 - S-13
International Educator - November/December 2012 - S-14
International Educator - November/December 2012 - S-15
International Educator - November/December 2012 - S-16
International Educator - November/December 2012 - S-17
International Educator - November/December 2012 - S-18
International Educator - November/December 2012 - S-19
International Educator - November/December 2012 - S-20
International Educator - November/December 2012 - S-Cover3
International Educator - November/December 2012 - S-Cover4
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