International Health Insurance
The University of Illinois system has negotiated a policy for all its campuses with Arthur J. Gallagher & Co. (AJG). The AJG policy is designed for students, faculty, and staff who are going abroad for study, research, or other official UIC business.
For students applying to go abroad through the Study Abroad Office, coverage through the AJG international health insurance is mandatory. The cost of the AJG policy will be billed to your student account upon registration for your term abroad (May 1st for summer programs, July 1st for fall programs, December 1st for spring programs). Participants on a faculty-directed program will have the cost of the AJG policy included in their program fee. For all other students, please view the “Costs” tab below for more information on the amount you will be billed.
Please note that this international health insurance policy is not eligible to waive Campus Care while you are abroad. You are still required by UIC to be covered by domestic major medical health insurance while abroad. If you have questions about this, please talk to your study abroad advisor or contact CampusCare at 1 (312) 996-0019.
Faculty and staff whose travel is funded by the university or on university connected business are required to enroll in the AJG policy for the duration of their travel at no expense to the faculty or staff member. See below for enrollment details.
Independent travel outside of your official program dates (e.g. extended stay or early arrivals) is not covered by the university policy. The AJG policy also does not cover accompanying family members who are not dependents, or friends not traveling on university business. For these situations, AJG offers an alternate policy. Information can be accessed here.
Enrollment and Other Insurance Information
International Health Insurance Costs
Length of Program Cost Up to 15 days $15.29 16 to 45 days $27.79 46 to 75 days $62.54 76 to 195 days $125.08 196 to 315 days $277.96 316 to 365 days $333.55
For students who are studying abroad through the Study Abroad Office, you will be automatically enrolled for the duration of your program by our office upon registration for your term abroad. You will not be covered for any international travel outside of the official dates for your chosen program (i.e. traveling independently before or after your program). If traveling independently before or after your program, please make sure to purchase additional coverage. We will confirm with you the dates you will be enrolled.
For faculty and staff who are travelling on university-connected business, click this link and select “Faculty/Staff Travel Insurance Enroll” on the left side menu.
AJG Policy Information
For medical referrals, evacuation, repatriation or other services please call Gallagher Global Assistance at 1 (866) 693-6873 (Toll-Free) 1 (312) 935-9242 (Direct Dial). You can also email them at GallagherGlobalAssistance@ajg.com. Many hospitals or medical centers may require payment at the time of service. If this occurs, you will be responsible for contacting Health Special Risk for reimbursement and their information, including the claim form, can be found on www.gallagherstudent.com/uic by clicking on the Claims Company link on the left side of the page. If you are hospitalized or wish to schedule a doctor’s appointment ahead of time, please contact Gallagher Global Assistance so that they may contact the hospital on your behalf and try to arrange for direct payment to the hospital.
AJG Schedule of Benefits
AJG Plan Information
New Policy Changes for AY 2021-2022
Quarantine Benefit – Maximum of $2,000 per Trip
We will pay expenses incurred for up to the Maximum Limit shown in the Schedule of Benefits, if the Insured Person is subject to a Quarantine for H1N1 Influenza/any contagious disease that prevents traveling. Symptoms of the disease causing the Quarantine must first be manifested after the start of the Trip and the Quarantine must cause an interruption or delay in the Insured Person’s Trip for which suitable accommodations are not otherwise available. Benefits will end on the earlier of: (a) 14 days after the Quarantine is issued; or (b) the date the Quarantine expires.
- the reasonable expenses incurred for lodging and meals;
- the cost of a one-way economy airfare ticket to either the Insured Person’s Home Country or to re-join the group; and
- non-refundable travel arrangements.
“Quarantine” means the period of time during which the Insured Person is forced into medical isolation by a recognized government authority, their authorized deputies, or medical examiners due to the Insured Person either having, or being suspected of having, a contagious disease, infection or contamination while the Insured Person is traveling outside of the Insured’s Home Country.
There are no exemptions to this coverage and all students studying abroad through the Study Abroad Office will be enrolled in the AJG international health insurance regardless of additional coverage through any personal or program-supplied insurance policy.
Cancellation & Interruption for Any Reason Insurance (CFAR/IFAR)
UIC recommends that all travelers consider purchasing Cancellation & Interruption For Any Reason (CFAR/IFAR) insurance for domestic and international trips. CFAR/IFAR 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, including the threat or fear of COVID-19.
There are several CFAR/IFAR insurance options available online to choose from. One option for a CFAR/IFAR insurance policy that provides at least 75% reimbursement coverage for CFAR/IFAR benefits is available below. While you are free to purchase CFAR/IFAR coverage from any provider, our preferred provider is through Travel Insured International. You can view their offerings here on UICs custom webpage. The information below is specific to the CFAR/IFAR insurance option listed on the hyperlink above. UIC has vetted the option above through our broker, Arthur J. Gallagher & Co., as a comprehensive solution that provides 75% reimbursement for CFAR/IFAR claims.
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.
As you consider purchasing CFAR/IFAR insurance, make sure you know the following:
- What is and is not covered – specifically in relation to COVID-19 and pandemics since not all CFAR/IFAR insurance policies cover COVID-19 or pandemic diseases
- Your airline’s flight cancellation refund policy
- Your program’s cancellation and refund policies
- The terms of your housing contract, the cost of housing, and when deposits and expenses are owed for your housing
Ready to enroll in CFAR/IFAR insurance?
For the option offered through Arthur J. Gallagher & Co., travelers must enroll in CFAR/IFAR insurance within 21 days of receiving a non-refundable bill for a coverable expense. Make sure you know when important payment due dates for your program are including any potential program deposits, program fee payments, housing deposits, and airfare payments will be made.