Insurance While Abroad
University of Scranton students are automatically enrolled in an insurance plan (at no additional cost to you) administered by HTH
The insurer is the HM Life Insurance Company and the policy will be administered on behalf of the Insurer by the Worldwide Insurance Services, Inc., aka “HTH Worldwide”).
Why is this the case?
If you need routine health care, suffer injuries in an accident or require either medical or non-medical emergency evacuation you will find that the insurance policy you currently have might not not cover expenses you incur. The policy administered by HTH offers more than just health and evacuation coverage; it grants you access to valuable health and safety resources (once you are enrolled in the program).
Travelers need more than insurance - they need information and services to keep them healthy and safe. With the enrollment in the HTH insurance policy you have access to Global Health and Safety services. The services are described below:
Access to the HTH Physician Community, available in more than 180 countries. Find a pre-qualified, English-speaking doctor in your destination.
Access to City Health Profiles, which contain critical healthcare information, including vaccination requirements and emergency listings, for more than 590 destinations.
Access to Security Profiles, which include up-to-date information about terrorism, kidnapping and political stability.
Access to the HTH Drug Translation Guide. Medications are given different brand names around the world - the guide will help you find the drug you need.
Access to the HTH Medical Phrase and Terms Translation Guides. If you require medical care while traveling, HTH's medical phrases/terms translation tools will help you communicate clearly with the doctor, nurse or pharmacist.
Appointment Scheduling and Direct Pay. Using the web, mobile device or the telephone, members can request appointments within the HTH International Provider Community. When utilizing Direct Pay, HTH Worldwide pays the participating providers directly.
As an HTH customer, you are eligible for Global Health and Safety Services, 24 hours a day, 365 days a year. Available services include:
Medical evacuation planning and coordination
Medical monitoring and referral
Worldwide 24-hour assistance in locating medical care
Coordination of hospital payment guarantees
Important Health Insurance Information
It is important to know that certain activities are precluded from the insurance policy. High risk activities such as scuba diving, hang gliding, bungee jumping and sky diving are not covered under the plan. If you decide to engage in such activities, it is advisable to secure separate insurance that will cover you in the event of an injury while participating in the high risk activity. Please read the insurance policy language carefully so that you know precisely what kind of activities are covered and which ones are not. It is your responsibility to know your policy exclusions. For the specific policy language covering exclusions, please navigate to: HTH Exclusions.docx
The HTH Health Insurance Policy
The entire HTH Health Insurance Policy for University of Scranton students studying abroad and/or faculty and staff traveling abroad may be found by navigating to: University of Scranton Certificate of Coverage.docx
Security and Political and Natural Disaster Evacuations
In the event of a political emergency situation due to governmental or social upheaval where you are studying, On Call International will arrange for your evacuation from that location. Evacuation services are provided by On Call International security personnel to the nearest safe location and then back to the United States.
Please be advised these special situation evacuations are services only - there are no reimbursements offered for self action. You must contact HTH Worldwide to take advantage of no-cost evacuation for covered events. As always, carry your card, and call the number on the back of
the card if you need assistance anytime! (The emergency hotline also accepts collect calls.)