Out-of-Country Medical Care Coverage

Travel on University Business

Travelers on Yale related business (including students traveling on study abroad programs, doing research, attending conferences, or student organization travel) now have coverage for up to $250,000 in out-of-country medical expenses for treatment for accidents or sicknesses that occur while traveling. This coverage includes 14 days of personal travel deviation. If a traveler extends his/her trip, either before or after the Yale business component of the trip, e.g., to tour the area or visit another country, this coverage will still apply up to a maximum of 14 days.

Note: This coverage does not apply to travel for 100% pleasure purposes (vacation, family business, etc), but evacuation and assistance services are still covered.

Note: This coverage does not apply to treatment rendered in the United States.

Note: This coverage does not apply if the traveler is traveling to his/her country of citizenship.

Personal Travel

If you are not traveling on University business, but you would like out of country medical care coverage, ISOS offers an additional option.

The enrollment process is performed directly with ISOS through the ISOS individual membership program and a 20% discount is available when using the Yale discount code 11B824535.

Travelers can choose to purchase (1) evacuation and assistance only; (2) evacuation and assistance and medical benefits; or (3) evacuation and assistance, medical benefits, and trip protection, however, please note that there is no need to purchase option (1) as you are already automatically covered for evacuation and assistance under the University’s master program.  

How to file a claim

Yale travelers who did not open a case with International SOS may file a claim for reimbursement of medically necessary expenses directly with AIG.  Notice of claim should be provided no later than 60 days from treatment or as soon as reasonably possible.  Please download a copy of the claim form and complete the requested information.  Include copies of supporting documentation and submit the completed and signed claim form to AIG Claims:  ahclaims@aig.com

Supporting documentation includes itemized bills and copies of receipts for all medical expenses or prescription medications.  Documentation should also include claimant’s name, condition treated (diagnosis), description of services, date of services, and the charge made for each service.  If additional information is required to process your claim, the assigned claims examiner will contact you by phone or written correspondence.  Written correspondence will be mailed to the address provided on the claim form.  Additional details, including AIG contact information, are available on this overview document.

Please contact the Office of Risk Management if you have questions about Out-of-Country Medical Care coverage.