All University sanctioned travel must be approved. See: http://www.csun.edu/travel/guidelines for details. University Risk Management processes foreign travel insurance for all University approved foreign trips as a cost effective and prudent method of providing for financing of the specialized risks related to foreign travel. The FTIP is designed to provide automatic coverage for faculty, students and others while traveling abroad. Program coverage for the University is primary and with no deductible thereby protecting the existing University insurance programs from increased claims and filling the “deductible gap.”
Program coverage for students and staff meets or exceed common limits and provides primary coverage if the student has no health insurance. The insurance coverage under the FTIP exceeds regular travel insurance available from travel agencies or other insurance retailers which do not protect the University. Studying abroad is not without risks. CSUN Risk Management recognizes the need for Foreign Travel Insurance when the University Departments:
This systemwide program provides general liability, excess auto liability, foreign workers' compensation, accident and sickness (including medical coverage), and executive assistance services to university personnel and students overseas on university or auxiliary sponsored trips.
Information is needed for every trip as soon as the instructor begins preparing for foreign travel. This will ensure that the participants traveling abroad have proper travel assistance; provide whereabouts in the event of an emergency, and record underwriting information for premium allocation.
Special requirements/processes may be needed if participants are traveling to any country or jurisdiction which is the subject of trade or economic sanctions imposed by the laws or regulations of the United States of America or a “war risk” country. Coverage to a “war risk” or embargo country requires advance notice to the underwriter, which can be requested through the University Risk Manager.
Coverage: Foreign Travel Insurance Program
Policy Term: July 1 to June 30, annually.
Policy Number: GLMN04950872R
Insurer: Chubb / ACE Insurance
Named Insured: California State University Risk Management Authority (CSURMA), California State University (CSU), CSU Auxiliary Organizations.
Coverage Territory: ANYWHERE IN THE WORLD but excluding:
See Current Travel Warnings from the State Department.
Coverage & Limits:
Primary General Liability:
Contingent Auto Liability (Excess):
Employers Responsibility Coverage Voluntary Compensation:
Primary Accident or Sickness Expense Benefit:
Emergency Medical Benefits:
Up to $10,000 Emergency Medical Benefit Maximum
Emergency Medical Evacuation:
100% of Covered expenses for guarantee of payment to a medical provider hospital or treatment facility - limited to $250,000 from Antarctica and Greenland.
Benefits Covered Expenses will not be payable unless the Doctor ordering the evacuation certifies the severity of Medical Emergency - covered expenses:
- Medical Emergency
- Require Emergency Medical Evacuation
- Medical Transport for Medically Necessary treatment
- Dispatch of Doctor or Specialist - Doctor's assessment/evaluation made by Travel Assistant Provider
- Transportation after Stabilization - Home Country or host country or join the group if moved on to different location
Repatriation of Remains Benefit:
100% of Covered expenses for preparation and return of remains to home country if death is a result of a Medical Emergency while traveling.
Benefits will not be payable unless authorized in writing by the Travel Assistance Provider - covered expenses include:
- Expenses for embalming or cremation
- The least costly coffin or receptacle adequate for transporting the remains
- Transporting the remains
- Escort Services
Emergency Reunion Benefit:
Up to $100 per day up to seven (7) days for hotel room convalescence should the treating Doctor determine this to be necessary immediately following a Hospital confinement during travel and prior to returning home.
Aggregate Limit Benefit:
$3,000,000 Aggregate Limit/Benefit Maximum
Accidental Death & Dismemberment Benefit:
$100,000 Employee/Student - AD&D Benefit
$50,000 Other - AD&D Benefit
$2,500 Benefit Maximum Reimbursement of non-refundable covered expenses paid for trip up to Benefit Maximum if prevented from taking trip as a result of injury, sickness or death
Trip Interruption Benefit:
$2,500 Benefit Maximum Limited self-insured coverage for trip cancellation, addressing the cost of cancelling or early return from travel triggered by critical events that may not be covered under the insurance program
Executive Assistance Services Included:
·Supplies embassy and consular contacts worldwide, and assists in replacing lost documents
·Legal Assistance–connects participants with local attorneys familiar with court systems in foreign countries, and provides local language translation services
·Security Assistance–offers pre-trip security briefings and updated reports on security situations in cities worldwide
1. Cost of Coverage:
Note that the FTIP premium is based on the duration of the trip and the number of participants.
2. Premium Rates: per traveler:
- INSURED TRIPS UP TO 15 DAYS:
Faculty/Staff/Students $60.00 per trip
- INSURED TRIPS UP TO 30 DAYS:
Faculty/Staff/Students $75.00 per trip
- INSURED TRIPS 31+ DAYS:
Faculty/Staff/Students - Refer to Insurance Company for Quote
**Note: Additional Premium for high-hazardous/war risk countries need to be submitted for underwriter’s approval. Trips more than 30 days need to be submitted for underwriter’s approval.
Assistance Provider: AXA Assistance USA Inc
This summary of the policy terms is provided for information only. It does not convey any rights upon the insurance nor alter its condition for coverage. Please refer to the actual policy for full disclosure of the policy terms.
For foreign travel insurance coverage please contact Cyndi Paull in the Risk Management Department (818) 677-6830 or email: email@example.com.
Please provide the completed Foreign Travel Insurance Quote Request Form and a daily itinerary.