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General Insurance Coverage

Am I covered by Dickinson’s Accident and Sickness insurance policy?

All students traveling abroad for academic purposes on an approved program are automatically enrolled in medical and emergency international supplemental insurance through Chubb ACE American Insurance Company as part of cost of the program. Additionally, International SOS provides medical and travel security assistance. This plan covers students while abroad for the duration of the program.

In addition to the Chubb ACE policy, your program may also include coverage through a local insurance policy and/or the study abroad provider’s insurance policy. Refer to your program materials for specific coverage information.

Students on domestic programs (e.g. Dickinson in DC) are not covered by this policy and should consult their primary health insurance provider to ensure coverage at their study away location.

Is insurance included in the cost of the program?

Yes, the Chubb ACE accident and sickness insurance is included in the cost of the program as well as medical and travel security assistance through International SOS. However, you must maintain your own personal health insurance, whether that is purchased through Dickinson or independently. Services or treatments not covered by the Chubb Ace policy are the responsibility of the person who incurs them.

Where do I find details about the policy, including the summary of benefits?

Policy details, including the summary of benefits, are available to students after acceptance in their pre-departure Moodle/D2L course. Students will also receive information about International SOS through this course as well as the mandatory pre-departure orientation.

Do I need to maintain my primary health insurance while abroad?

Yes, students are required to maintain their primary health insurance while studying abroad, whether it is purchased through Dickinson or independently.

While the Chubb ACE international policy provides coverage for many medical needs abroad, it is designed for accidents and sicknesses and is not designed for routine or preventive care. It does not replace your primary health insurance. Any services or treatments not covered by the Chubb ACE plan are the responsibility of the individual who receives them.

If I waive the Dickinson Student Health Insurance, will I still be covered by the Chubb ACE policy while abroad?

Yes, students are automatically enrolled in the Chubb Ace policy as part of their program and this policy cannot be waived. This is a separate policy from the Dickinson Student Health Insurance plan available to all matriculated Dickinson students. If you have questions about that policy, you should review the Dickinson Student Health Insurance page on the Dickinson website.

I am a non-Dickinson student participating on a Dickinson program. Am I covered under the Chubb ACE Policy?

Yes, all students (Dickinson or non-Dickinson) participating on a Dickinson program are covered under the Chubb ACE Policy and International SOS. 

Coverage Scenarios

Am I covered if I travel outside my host country?

Yes, you are covered during program dates and for 7 days before or after the program. Travel to countries with Level 3 or 4 U.S. State Department advisories or countries designated as “war risk” countries by Chubb ACE is not covered.

If you are planning to travel independently before/after the program beyond those dates, you may wish to research additional insurance options.

I got injured while surfing. Will my injury be covered?

The Chubb ACE policy excludes coverage for certain high-risk activities, including surfing, scuba diving, skydiving, bungee jumping, and others. Please refer to the summary of benefits for a complete list of exclusions. If your injury results from an activity not covered by Chubb ACE, you will need to consult your primary health insurance provider to determine if coverage is available.

Healthcare While Abroad

What happens if I get sick or injured abroad?

During your on-site orientation, you will receive information about local doctors, clinics, and hospitals. Your pre-departure materials also include important details about available on-site resources. If you become ill or injured, follow the instructions provided by your program. If you have questions, contact your program director and International SOS. Both are available to support you and help you access appropriate care.

What if I get sick or injured while traveling independently?

If you travel independently during your program (e.g., to another country), it is your responsibility to:

• Research immigration/visa requirements.

• Confirm the legality of any medications you are bringing.

• Understand local health and safety considerations.

If you become ill or injured while traveling, you may contact International SOS for assistance and local medical referrals. You should also notify your program director as soon as possible.

How do I pay for medical care abroad?

You may need to pay out of pocket for medications, co-pays, and other expenses. In some cases, International SOS can assist with a guarantee of payment, but this depends on the country and provider. Always keep receipts for reimbursement.

Mental Health Support

I regularly see a mental health provider on campus. Can I continue to access mental health services while abroad?

Yes, mental health support is available while studying abroad, but it may differ from the services you receive on campus. English-speaking counseling options may be limited depending on your location, and the terms of care will vary from those in the U.S.

Dickinson students have access to TELUS, a 24/7 support service that remains available even during off-campus study. Additionally, Chubb ACE, the international accident and sickness insurance policy, covers up to 10 counseling or therapy sessions per year (July 1–June 30). This coverage is not intended for ongoing, long-term counseling throughout a semester or academic year.

If you anticipate needing more than 10 sessions, consider checking with your U.S. health insurance provider to see if they cover mental health counseling abroad. You may also need to budget for additional out-of-pocket costs for any sessions beyond what Chubb ACE covers.

Prescription Medications

Can I bring prescription medication with me?

Yes but check the legality of your medication in your host country. Visit the consulate website or contact International SOS for guidance. Bring:

• A doctor’s prescription

• A letter explaining your condition

• Medication in original containers

What if my medication is illegal abroad?

Contact International SOS to understand what medications are legal and available in your host country. Consult your doctor about alternatives. In some cases, you may need to consider a different study abroad location. Start this process early.

In some cases, your medication may be legal in your host country but may be highly regulated or there may be limited availability.

Can I refill prescriptions abroad?

Work with your doctor and insurance provider to bring enough for your entire stay, if possible. You should contact International SOS if you are unable to bring enough medication with you to ensure you have a plan to obtain it while abroad. This process can take months so plan ahead. Reminder: it is illegal to mail prescription medication internationally.

Safety & Emergency Support

Does the Chubb ACE policy cover emergency medical evacuation?

Yes. Emergency medical evacuation is covered through International SOS, but only if the procedure cannot be performed locally or in a neighboring country.

What should I do in an emergency?

During your orientation you will receive information about emergency protocols for your program. In general, during an emergency you should do the following:

• Contact local emergency services

• Notify your program director

• Call International SOS for assistance

Additional information is available on the CGSE Safety Abroad webpage.