The University System of Georgia negotiates a system-wide insurance policy that is mandatory for all study abroad participants. Starting August 1, 2024, the new Zurich policy will be administered by Gallagher—USG’s new insurance broker. The rates for the upcoming academic year (August 1, 2024 - July 31, 2025) for the new Zurich policy will be:

LENGTH	COST
Daily	$1.14

PROVIDE FEEDBACK
We encourage Administrative Key Points of Contact to provide feedback on your customer service experience as a Study Abroad and/or Health and Safety Professional with Gallagher using the Administrator: Gallagher Customer Service Survey

We encourage Gallagher Study Abroad Insurance Users (e.g. students and faculty) who have personally utilized Gallagher insurance to provide feedback on your customer service experience as a student or faculty member on a trip using the Student/Faculty: Gallagher Customer Service Survey

Gallagher has built websites for all USG schools. Please visit the Gallagher website and type in the name of your school for your Zurich insurance ID card and other documents.

WHAT IS COVERED BY THE INSURANCE

A summary of benefits for all USG schools can be found in the USG Plan Brochure. This is primarily an international travel medical policy which can be utilized for unforeseen accidents and sicknesses that occur while you are abroad. The policy includes:
• Medical coverage – up to $500,000 ($0 deductible; 100% coinsurance)
• Emergency Medical Evacuation and Repatriation – up to $2,000,000
• Security Evacuation – up to $100,000
• Emergency Dental Injury – up to the medical maximum ($500,000)
• Mental/Nervous Disorders – up to the medical maximum for inpatient and outpatient ($500,000)
• Pre-existing conditions (unexpected flare-ups) – up to the medical maximum ($500,000)

The Zurich policy also has trip inconvenience benefits such as:
• Trip Cancellation - $5,000
• Trip Interruption - $2,000
• Travel Delay/Quarantine - $2,000
• Baggage and Personal Effects - $500 maximum ($250 per item; $50 deductible)
• Baggage Delay - $300 ($100 per day; 12 hour waiting period)

This is only brief summary of benefits. Please review your master policy for a full description of benefits, exclusions and limitations.

HOW TO USE THE INSURANCE

Please make sure to always have a copy of your ID card which can be found on your school website.

The 24/7 Assistance Company for this insurance policy is On Call International. On Call International provides emergency medical and travel services and pre-trip information services. Please call or email when:
• You require a referral to a hospital or doctor
• You are hospitalized
• You need to guarantee payment for medical expenses
• You experience local communication problems
• Your safety is threatened by the sudden occurrence of a security event
• You have general travel questions

If you need to see a doctor abroad, and your condition is non-urgent, please call or email On Call International to open a case and have them set up a doctor’s appointment on your behalf. On Call will direct you to the most appropriate nearby provider based on your condition and attempt to arrange a guarantee of payment on your behalf with the provider. You will then show up to your appointment, present your policy number on your ID card, receive treatment and the provider will send the bill to Zurich on your behalf. This protocol will eliminate the need to pay out of pocket for your medical expenses.

On Call’s contact information can be found on your ID card and summary of benefits.

On Call International Contact Info:
Phone: 833-808-0251 (Toll-Free in U.S. and Canada)
+1-978-651-9219 (Collect – anywhere else in the world)
Text: +1-844-302-5131
Email: mail@oncallinternational.com

If you do not follow this protocol, or if your condition is an emergency and you cannot open a case with On Call, then you will need to submit a claim for reimbursement.

HOW TO SUBMIT A MEDICAL CLAIM

If you pay out of pocket for a covered medical expense while you are abroad on a covered trip, you will need to submit a claim for reimbursement.

STEP 1: Fill out this medical claim form Zurich Medical Reimbursement Claim Form
STEP 2: Gather all of your itemized bills and receipts from the provider and turn them into PDFs (if possible)
STEP 3: Email the completed claim form and all itemized bills and receipts to GallagherZurich@hsri.com
STEP 4: Wait 10-20 business days for the claim to be processed and for a reimbursement check to be sent to you. If anything else is needed from you to process the claim, the claims company (Health Special Risk, Inc.) will reach out to you directly.

If you have any questions about the claims process, please email Global@gallagherstudent.com if you need any assistance.

If you need to submit a non-medical claim (Trip Cancellation, Baggage Delay, etc.), please go to the ‘Claims Company’ tab on the Gallagher website and fill out the appropriate claim form.

VOLUNTARY SELF-ENROLLMENT

Please note that the USG also allows travelers to enroll into this policy on a voluntary basis.

STEP 1: Go to www.gallagherstudent.com
STEP 2: Type in the name of your institution on the homepage.
STEP 3: Click “International Travel Enroll” on the left sidebar
STEP 4: Create a New Account
STEP 5: Fill out the enrollment form
STEP 6: Pay for your coverage via credit card

Cancel for Any Reason Insurance (CFAR)

USG recommends that travelers consider purchasing Cancellation & Interruption For Any Reason (CFAR) insurance for international trips. CFAR insurance can help protect your investment in your trip in the event the trip is cancelled before departing or interrupted during a trip for any reason.

CFAR/IFAR insurance will cover: A percentage of your program fees, housing, and flights if your program is canceled or you withdraw from the program for any reason if these expenses are non-refundable.
CFAR/IFAR insurance will not cover: any program fees, housing, or flights that are refunded through your program, housing, or airline as a result of a trip interruption or cancellation.

USG’s recommended vendor for this insurance is Travel Insured International. Please note that in order to qualify for the Cancel For Any Reason (CFAR) benefit, you must purchase the insurance within 14 days of the date that you make your first non-refundable trip payment. For example, if you make your first non-refundable trip payment on July 1st (flight, lodging, excursion, etc.), you will have until July 14th to purchase this coverage and gain access to the CFAR benefit. To enroll, please go to the Travel Insured International website.

QUESTIONS?

For any general questions about the insurance benefits, website, claims, etc. please email global@gallagherstudent.com, mention which school you are from and you will receive a response within one business day.