Students Insurance for Travel when overseas Anita Randell, University Insurance Officer Contact: insurancesupport@port.ac.uk Telephone Extension - 3308

What will be covered by this presentation? To give you an insight into the University Insurance arrangements. To explain any additional insurance which you may need Useful resources These will be supported by real life examples

University of Portsmouth insurance arrangements Group Travel Insurance for ALL students on authorised trips. Insurers are Royal and Sun Alliance Policy renews 1st August 2019 2019 cover note will be on the University Study abroad web-site in July 2019 Covers trips up to 12 months UK-UK

Are there any countries that I may not be permitted to travel to? Changes depending on world events but as at January 2019, includes Iran, Cuba and North Korea. Iraq, Nigeria (Niger Delta and North of Abuja), Libya, Afghanistan, Mali, Somalia, Yemen, Syria. Countries where FCO recommend against travel If the UK/US have imposed sanctions, insurers will require an additional questionnaire to be completed. Currently as at January 2018 Ukraine, Russia, Syria, Sudan. Up to date list will be on the University Study Abroad web- site If this affects you, contact Insurance Officer ASAP to discuss plans as you may not be insured or permitted to travel.

What cover is provided by the University of Portsmouth Travel Insurers What cover is provided by the University of Portsmouth Travel Insurers? Full details on Student travel Web-site but summary follows:

Emergency Medical Expenses/Repatriation Really Important! Call 24 hour Emergency Medical Helpline prior to seeking medical treatment. Failure to call them could invalidate your insurance. Where possible can arrange hospital to bill insurers direct – no nasty bills. Certain countries (e.g. US) they negotiate better prices and can issue recognised payment guarantees. Co-ordinate care to ensure you get best possible treatment. Second Opinion. Case study – Air ambulance from Grand Cayman to Miami. £85,000 bill!

How to contact the Assistance Helpline? ….

The RSA Travel Assistance App can be downloaded onto your smart phone from the Apple App store or Google Play store. Policy number RTT306251

Other considerations Exclude journeys if travelling against medical advice Limited capabilities in some areas – Check the country medical information on the “App” for further guidance. Don’t forgot your European Health Insurance Card (EHIC) …… Although be careful about BREXIT uncertainties! http://www.nhs.uk/NHSEngland/Healthcareabroad/EHIC/Pages/about-the-ehic.aspx

Cancellation/Curtailment Cover if a trip has to be cancelled or cut short as a direct result of a cause which is outside your control. Exclude failure of airline/events known about/disinclination to travel. (ABTA/ATOL) Your responsibility to have correct travel documentation. Visa/passport. Allow sufficient time… E.g – accident or illness just before due to leave UK.

Legal Expenses Legal costs to defend you against allegations you negligently caused injury or property damage to a third party. E.g. split cup of coffee. Excludes criminal or deliberate acts.

Personal Effects/money Personal belongings Emergency replacement of visa, passport etc Must report to police within 48 hours. Property irregularity report from airline Be vigilant and don’t display obvious signs of wealth.

Activities If high risk activities are included in the holiday, separate specific personal travel insurance should be purchased. If integral part of studies refer to Insurance Officer.

Holidays? Incidental holidays tagged on to University activities are covered up to a maximum of 14 days for placements over 3 months. See link http://www.port.ac.uk/special/studyabroad/outgoingstudents/practicalinformation/pe rmissiontotravel/insurance/ Must be in the country you are studying in. If holiday time is longer or you are visiting another country, you will need separate personal holiday insurance.

Additional insurances you may need? USA – To meet Affordable Care Act and for J1 visa requirements you are required to have local healthcare insurance which must be purchased at your own cost. Australia – Visa requirement to purchase local healthcare insurance at own cost. France – Civil Liability May be others – check with your host See FAQ http://www.port.ac.uk/special/studyabroad/outgoingstudents/practicalinformation/pe rmissiontotravel/insurance/

Useful resources Drum Cussac https://www.drum-cussac.net/login?next=%2F Foreign and Commonwealth Office https://www.gov.uk/foreign-travel-advice

Thank you .