International Travel Risk Management and Health Insurance

The College of the Holy Cross is pleased to announce a partnership with industry-leading International SOS (IntlSOS), a state-of-the-art Global Security Assistance and Medical/Travel Insurance Provider.  IntlSOS offers medical, security, emotional support (counseling), as well as logistical expertise, to help safeguard your student while abroad and is mandatory for all students studying abroad.  For the academic year 2024-2025, the cost of this Global Assistance Program is covered by the normal Holy Cross Health Service Fee of $215 per semester, so there is no additional cost to you.

Global Security Assistance and Medical/Travel Insurance Program

What is International Travel Risk Management?

International travel risk management is the practice of implementing the resources and support necessary to ensure our international travelers have up-to-date and relevant information regarding their intended destinations – as well as access to emergency resources in the event of a crisis or other health- and safety-related issues.  The College has partnered with International SOS (IntlSOS), as well as with Cigna and Lloyd’s insurance companies, to provide a comprehensive international travel risk management program for students who are studying abroad.  Your primary interface will be with IntlSOS, who will liaise with Holy Cross as well as with Cigna and Lloyd’s, behind the scenes. Of course the Office of Study Abroad is also available to speak with you directly.

What services does this Global Assistance Program provide?

IntlSOS offers a number of important services, including:

• Pre-departure assistance with medical vaccinations, security, travel, and cultural information. Think of IntlSOS as your personal, expert resource for travel to and residing in another country. 

• 24/7 assistance and advice while abroad through its dedicated phone app, website, and call centers throughout the world. 

• Emergency assistance that coordinates and, when needed, deploys resources in the event of an emergency abroad, including emergency medical services, evacuation, repatriation, passport assistance, and security assistance.  See the “Summary of Benefits” for further details. 

What if I need to go the hospital? How will I pay for these services?

Our Global Assistance Program includes a medical and travel insurance policy from Cigna/Lloyd’s that provides robust financial coverage for these services, including, but not limited to, $500,000 in medical expenses, $2,000 in emergency dental coverage, and additional coverage in the event of a medical or security evacuation.

How much does all this cost?

Study Abroad students continue to pay the $215/semester Health Services fee, which will be directed towards this Global Assistance Program.  There are no additional fees to you for this coverage.

How can I contact IntlSOS in an emergency?

If you have an emergency, please contact IntlSOS through the IntlSOS App (see STEP 2 under “What should I do next?” below) or you can reach them by phone at (+1) 215-942-8478.  IntlSOS will work with you to understand your situation, identify the appropriate assistance, and arrange for that assistance.

Where should I go for general travel assistance and for advice about residing in my host country?

Prior to your departure, we recommend you review the IntlSOS website to understand all of the services available. You should also access the International SOS phone app and you may also call INTLSOS’s 24/7 center. You may need our Holy Cross Membership Number, which is 11BCAS701139.

What should I do next?

STEP 1: ADD THE HOLY CROSS INTLSOS PHONE NUMBER TO YOUR CONTACTS

1.  Add the following dedicated Holy Cross IntlSOS phone number to your contacts now:

215-942-8478

(Depending on whether or not your smart phone has “dial assist,” you may need to add +1 before dialing the number.) 

STEP 2: DOWNLOAD AND REGISTER THE INTLSOS APP ON YOUR SMARTPHONE

1.  Download and register the INTLSOS Assistance App on your phone.  Click HERE for detailed instructions for downloading and setting up the IntlSOS Assistance App. 

2.      Once you have registered the IntlSOS Assistance App, you can easily contact IntlSOS by simply clicking on the button below in your IntlSOS Assistance App. 

STEP 3: VISIT THE INTLSOS WEBSITE

Visit the Holy Cross/IntlSOS website to review IntlSOS resources and access your Proof of Membership:

To access the Holy Cross/IntlSOS website, you can either:

1.      Click THIS LINK;

or, if the link is broken:

2.  Go to www.internationalsos.com, click Member Login, and enter the Holy Cross membership number:  11BCAS701139

Please note that there is no coverage for students engaging in the following activities and we strongly recommend you avoid them:
Flying: crop dusting, spraying or seeding, giving and receiving flying instructions, firefighting, sky writing, sky diving or hang-gliding, pipeline or power line inspection, aerial photography or exploration, racing, endurance tests, stunt or acrobatic flying, an ultra-light or glider, parachuting, participating in any motorized race or contest of speed, travel in or on any off-road motorized vehicle not requiring licensing as a motor vehicle, an accident if the Covered Person is the operator of a motor vehicle and does not possess a valid motor vehicle operator's license (except when participating in Driver's Ed), operating any type of vehicle while under the influence of alcohol or any drug, narcotic or other intoxicant including any prescribed drug for which the Covered Person has been provided a written warning against operating a vehicle while taking it. If you are injured or die while participating in of these activities, you will not be covered to any degree by this Travel Assistance Program. In addition, any and all expenses incurred for medical services or treatment in the Insured's country of permanent residence are not covered.  Other exclusions may apply. 

Whom should I contact if I have additional questions?

Jennifer Summerhays, Director of Study Abroad

Phone: 508-793-3057 (Office)

Email: jsummerhays@holycross.edu

Summary of Benefits:

Policy Dates: 6/15/24-6/14/25

Insurance Company: Cigna Global (policy number 08932A)

            Travel Medical

·         Sickness & Accident Medical Expense: $500,000

·         Emergency Dental (includes accident & alleviation of sudden pain): $2,000

AD&D

·         Accidental Death & Dismemberment: $10,000, $500,000 aggregate per any one loss

Medical Evacuation and Repatriation

·         Medical Evacuation: $500,000

·         Repatriation of Mortal Remains: $500,000

·         Return of Dependent Children: Included in evacuation benefit, if insured is evacuated

Insurance Company: Lloyd’s (policy number EQX2022002)

         Supplemental Travel Benefits

·         Trip Interruption: $2,000

·         Lost Baggage: $250

·         Visit by Family Member or Friend:

$20,000 and meals & accommodations not to exceed $500 per day

                if the insured is expected to be hospitalized 3 or more days                                                                                                                                                     .          Visit by Family Member or Friend due to Felonious Assault:                                                                                                                                                        $5,000 and meals & accommodations not to exceed $500 per day, max of 5 days                                                                                                            .          Necessary Repatriation due to Felonious Assault: $500,000                                                                                                                                                     Security Evacuation                                                                                                                                                                                                                                                           ·         Political Evacuation: $100,000                                                                                                                                                                                                                 ·         Natural Disaster Evacuation: $100,000                                                                                                                                                                                                   ·         Aggregate Benefit for any one occurrence: $500,000

 Program Highlights:

• International SOS case fees covered

• First Payer

• Mental health covered up to medical max

• Prescription drugs covered up to medical max

• No deductible and 100% coinsurance

• Pre-existing conditions covered

May I cancel my own health insurance while I’m abroad?

Students are required to maintain their domestic (U.S. based) health insurance coverage while abroad in case they need to return to the U.S. outside of the enrollment period.  Note, as well, that the Global Assistance Program does not satisfy the coverage requirements outlined by the Affordable Care Act, but is optimal coverage for students studying abroad. If a student is not covered by a family health insurance plan, the College has partnered with University Health Plans (UHP) and Blue Cross Blue Shield (BCBS) to provide student health insurance for the 2025-2026 academic year.  Please visit the  Holy Cross - University Health Plans website for more information on Health Insurance and Voluntary Dental and Vision Insurance OR you can log into your STAR account, go to Finances, and click on “Student Health Insurance”.