International Insurance Information
UMaine requires all study abroad students to have international medical and accident insurance coverage during the entire length of your study abroad program period.
U.S. medical insurance is generally not accepted outside the United States, nor do the Social Security Medicare and Medicaid programs provide coverage for hospital or medical costs outside the United States. Students are responsible for obtaining this insurance if they are going on Direct Exchange and if it is not included in the program package from the study abroad program provider.
API, CIEE, CISAbroad, IES,
ISA, SIT and USAC provide a travel and health insurance as part of the program
cost. SFS does not so it will be required to purchase an insurance plan,
UMaine Required Insurance Minimum Benefits:
Accidental Death: $10,000
Basic Medical Expenses: $100,000
Emergency Medical Evacuation: $100,000
Repatriation of Remains: $50,000
Political and Natural Disaster Evacuation
UMaine has identified iNext as an insurance provider that meets all requirements. If you use iNext, your insurance plan will cover you for 365 days from the date you choose to have your coverage start.
You may purchase the following Supplemental plans with iNext to fulfill your insurance requirement:
- Premium Plan ($62) + Natural Disaster and Political Evacuation Upgrade ($40)
- Platinum Plan ($105) + Natural Disaster and Political Evacuation Upgrade ($40)
* Platinum plan covers pre-existing conditions and mental health services.
Note: iNext Basic Supplemental plan DOES NOT cover the minimum requirements.
Filing Claims: Discuss with your study abroad provider or with your insurance company how to file claims. For routine medical services while overseas, you will pay the doctor or hospital directly and then file a claim with your insurance company later. Fortunately, fees for health services in many parts of the world are not as exorbitant as they are in the U.S. Be sure to ask the physician or clinic to provide a receipt for filing a claim at a later date. Be sure to follow claim filing instructions and meet deadlines.
