Coverage Abroad

Primary Coverage Abroad

For urgent and emergent emergency travel insurance needs while on DU travel

Proper insurance coverage helps ensure that you'll be covered in the event of a travel emergency. That is why DU is proud to offer all students, faculty, and staff on international DU travel, coverage under one comprehensive accident, sickness, and emergency care insurance plan at no cost to them and with no need to enroll, beyond registering your travel. Highlights of the plan are $0 deductible, no out-of-pocket expenses, and the inclusion of emergency evacuation, repatriation, travel insurance benefits such as lost luggage and trip interruption. This plan works in tandem with International SOS so, there's only one number to remember for insurance and assistance. All assistance services and insurance benefits are initiated by calling International SOS at +1 215-942-8478 or via the International SOS Assistance app.

For more information about this insurance please visit:


Secondary Coverage Abroad

Using your domestic insurance for needs not covered by our primary coverage or when on personal travel

Medical and mental health providers abroad typically do not bill American insurance companies, the insurance mentioned previously being an exception. When using a domestic plan abroad, students often pay out of pocket for services, and then submit the invoices to their insurance companies for reimbursement after returning to the United States.

If there are medical needs not covered by the DU-provided travel medical insurance (e.g., ongoing routine care for a pre-existing condition, routine pregnancy services, injury from an excluded activity), it is critical for all travelers to thoroughly understand their health insurance coverage prior to traveling abroad. Although your health plan may provide excellent coverage in the United States, it may not provide that same degree of coverage when you leave the country. Fortunately, the University's Student Health Insurance Plan (SHIP) offers excellent travel health coverage.

Student Health Insurance Plan (SHIP) Coverage Abroad

Students who purchase the University of Denver Student Health Insurance Plan (SHIP) are automatically enrolled in a comprehensive travel health plan. This plan includes 24-hour assistance, 365 days a year through Scholastic Emergency Services. 

Charges for covered services incurred in a country outside the United States are reimbursed by SHIP at 80 percent of the actual rate billed by the service providers. All other plan provisions, including deductibles, apply. More information on the Student Health Insurance Plan can be found at United Healthcare/Student Resources.

If you choose not to purchase the Student Health Insurance Plan, it is critical for you to understand what coverage you do have, as many insurance policies will not cover you, or will limit what is covered, if you are sick or injured while abroad.

The following links may be helpful when deciding on coverage: