Collegiate Care Plans provide coverage to you when you are temporarily residing outside your home country or country of permanent residence and actively engaged in education or research activities in the USA. Your spouse and dependent children are also eligible for coverage if they are accompanying you and enrolled in your plan. As an international, you are considered “actively engaged“ in education, teaching, or research activities if you are one of the following: undergraduate registered for and attending classes on full time basis; graduate student; student involved in education, educational activities, or research related activities; scholar; researcher; or teacher who is invited by an educational organization. For students to be eligible you must be actively attending classes for at least the first 31 calendar days after the date for which your coverage is purchased. Home study, correspondence, internet classes, and television courses do not fulfill the eligibility requirements of Collegiate Care Plans. You must be enrolled to cover your spouse and/or children. Proof of eligibility is required at the time of a claim. Permanent residents (green card holders) and US Citizens are not eligible for this Plan. It is only available for internationals while in the USA. Please be sure to check the benefits and policy exclusions on your personalized policy documents and make sure they fit your visa/school requirements. Upon effective date - this plan is fully earned and non-refundable. There are no partial refunds
Trawcik International travel insurance programs are designed for those traveling...
Read More| Minimum 3 month Purchase required | Collegiate Care Gold - In Network | Collegiate Care Gold - Out of Network |
| Maximum for all Medical Expense Per Injury or Sickness |
$250,000 per Sickness or Injury Student - $100,000 per Sickness or Injury Dependents $600,000 Annual Maximum |
$250,000 per Sickness or Injury Student - $100,000 per Sickness or Injury Dependents $600,000 Annual Maximum |
| Deductible - Per Injury or Sickness | $40 if first treated by the Student Health Center $90 if not first treated by the Student Health Center | $40 if first treated by the Student Health Center $90 if not first treated by the Student Health Center |
| Coinsurance | Refer to below for specifics | Refer to below for specifics |
| Maximum Benefit Period | 13 weeks from the date first treated | |
|---|---|---|
| Physician Visit (Inpatient) or Outpatient | 100% of the Preferred Allowance up to $60 maximum; 1 visit per day 30 visits maximum | 60% of URC up to $60 maximum; 1 visit per day 30 visits maximum |
| Specialist Visits | 100% of the Preferred Allowance up to $60 maximum; 1 visit per day 30 visits maximum | 60% of URC up to $60 maximum; 1 visit per day 30 visits maximum |
| Consultation Fee | 100% of the Preferred Allowance up to $400 maximum benefit | 60% of URC up to $400 maximum benefit |
| Hospital Room & Board | 100% of the Preferred Allowance up to $1,300 per day, maximum 30 days per Occurrence, subject to a $100 Co-Pay | 60% of URC up to $1,300 per day maximum, 30 days per Occurrence, subject to a $100 Co-Pay |
| ICU Room and Board: | 100% of the Preferred Allowance up to $1,825 per day maximum 8 days per Occurrence subject to a $100 Co-Pay | 60% of URC up to $1,825 per day maximum 8 days per Occurrence subject to a $100 Co-Pay |
| Hospital Miscellaneous | 100% of the Preferred Allowance up to $500 maximum; 30 days maximum per Occurrence to include services and supplies such as: the cost of the operating room; laboratory tests; X-ray examinations; anesthesia; drugs (excluding take-home drugs) or medicines; therapeutic services; and supplies; and blood and blood transfusions. | 60% of URC up to $500 maximum; 30 days maximum per Occurrence to include services and supplies such as: the cost of the operating room; laboratory tests; X-ray examinations; anesthesia; drugs (excluding take-home drugs) or medicines; therapeutic services; and supplies; and blood and blood transfusions. |
| Surgeon (In or Outpatient) | 100% of the Preferred Allowance up to $4,000 maximum | 60% of URC up to $4,000 maximum |
| Day Surgery – Outpatient | 100% of the Preferred Allowance up to $1,000 maximum | 60% of URC up to $1,000 maximum |
| Assistant Surgeon | 100% of the Preferred Allowance up to 25% of the Surgeon Allowance | 60% of URC up to 25% of the Surgeon Allowance |
| Emergency Room | 80% of the Preferred Allowance, $300 Co-Pay, waived if admitted | 60% of URC $300 Co-Pay waived if admitted |
| Pre-Admission Testing – within 3 days of admission | 100% of the Preferred Allowance up to $900 maximum | 60% of URC up to $900 maximum |
| Anesthesia | 100% of the Preferred Allowance up to 25% of the Surgeon Allowance for pre-operative screening and administration of anesthesia during a surgical procedure | 60% of URC up to 25% of the Surgeon Allowance for pre-operative screening and administration of anesthesia during a surgical procedure |
| Diagnostic X-Ray and Lab | 100% of the Preferred Allowance up to $500 maximum; Cat Scan, PET Scan or MRI up to $850 | 60% of URC up to $500 maximum; Cat Scan, PET Scan or MRI up to $850 |
| Physiotherapy – Inpatient or Outpatient | 100% of the Preferred Allowance up to $35 per visit, 1 visit per day, 12 visits maximum | 60% of URC up to $35 per visit, 1 visit per day, 12 visits maximum |
| Ambulance Benefit | 100% of the Preferred Allowance up to $400 maximum | 60% of URC up to $400 maximum |
| Mental & Nervous Conditions Inpatient | 100% of the Preferred Allowance 30 days maximum | 60% of URC 30 days maximum |
| Mental & Nervous Conditions Outpatient | 40 visits per year at 100% of the Preferred Allowance up to $5,000 maximum, per Period of Insurance | 40 visits per year at 60% of URC up to $5,000 maximum, per Period of Insurance |
| Alcohol and Drug Abuse In-Patient or Outpatient | 40 visits per year at 100% of the Preferred Allowance up to $5,000 maximum, per Period of Insurance | 40 visits per year at 60% of URC up to $5,000 maximum, per Period of Insurance |
| Emergency Dental | 100% of Preferred Allowance up to $500 maximum | 60% of URC up to $500 maximum |
| Prescriptions | $100 per Period of Insurance | N/A |
| Durable Medical Equipment | 100% of the Preferred Allowance up to $1,000 maximum | 60% of URC up to $1,000 maximum |
| Emergency Medical Evacuation or Repatriation | 100% of actual expense up to $120,000 | N/A |
| Return of Mortal Remains | 100% of actual expense up to $60,000 | N/A |
| Emergency Reunion | 100% of actual expense up to $10,000 | N/A |
| Maternity and Pre-natal Care (Conception must occur while covered under the current policy) | 100% of Preferred Allowance up to $7,500 maximum for normal delivery; $10,000 for c section delivery | 60% of UCR up to $7,500 maximum for normal delivery; $10,000 for c section delivery |
| Radiation/Chemotherapy | 100% of Preferred Allowance $1,000 maximum | 60% of URC up to $1,000 maximum |
| Home Country Coverage | Up to $500 per Period of insurance for services rendered in your home country during the coverage period | N/A |
