International Travel Insurance

There are a variety of University policies and insurance programs that are applicable to international travel, including the Comptroller’s Travel Policies and Procedures, which should be reviewed well in advance of departure. The state provides several insurance coverage programs for University related international travel at no cost to University travelers or their departments and is automatically in force for qualified individuals to the limitations described below.

Insurance programs available to University employees

University faculty and staff have liability coverage and workers’ compensation benefits for on-the-job injuries while stationed or traveling abroad and acting within the course and scope of their employment duties. Travel Assistance Services* are also included and those benefits are described in that section.  

The insurance described above is NOT health insurance. It does not cover ongoing medical care, illness, or medications that are not associated with a compensable workplace injury. Travelers are strongly advised to review the applicability of their personal health insurance for international travel and make arrangements for personal health coverage while abroad. Travelers may wish to purchase additional international insurance.

The insurance program provided by the state only applies to University employees traveling for an authorized business purpose. It does not cover family members that may choose to accompany an employee on the trip. Further, additional travel that is not connected to a University purpose is not covered. Examples include an extended stay in the region, vacation or other non-University related purpose.

*Travel Assistance Services for University employees, enrolled students, and registered volunteers

Executive Assistance® Services (medical, personal, travel, and security assistance) is available to all University employees, enrolled students, chaperones and registered volunteers, at no cost, while traveling or working outside your home country on University business or as part of a University sponsored program or activity.  These services can assist University travelers in difficult or problem circumstances during a trip.  Services include emergency medical or political evacuations, referral to a doctor or hospital, hospitalizations, emergency prescription medication replacement, emergency travel arrangements, language assistance or translation services, legal referral, critical travel document replacement (like passport, credit card), emergency cash advance, embassy or consulate contact information, and concierge services. A list of services and instructions for accessing assistance are available at the following link:  Travel Assistance or in a wallet-sized document that you can take with you.

ACE Travel App

The ACE Travel App provides travel assistance services to University employees, enrolled students, and registered volunteers who create a travel itinerary prior to or during their trip. Based on the traveler’s GPS location, as well as their stored itinerary, real-time alerts, risk management mitigation tips, as well as tools to manage medical or other travel related incidents will be pushed to the user’s mobile device. When connected to a mobile network, the ACE Travel App can provide information on Country Research, Travel Alerts, Security Services, Emergency Assistance and Concierge Services.

The mobile Ace Travel App is available for download by

  1. Clicking on https://www.acetravelapp.com/TA/register.html
    1. Enter your email address and policy # PHFD38226873
    2. An email will be sent with a temporary password. Login to the site and change your password. The ACE Travel App will be available to start using immediately following the steps above.

Insurance program available to University students

Enrolled NAU students participating in a one credit hour or more study, internship, service learning, or research program abroad will be required, and automatically enrolled, in the NAU International Health Insurance Plan administered by HTH Worldwide.  More information about the plan can be found at the Center for International Education’s website.

Insurance program available to University students, chaperones, and registered volunteers

The state provides a Foreign Travel Accident Insurance Policy for enrolled University students, chaperones, and registered volunteers traveling abroad. The coverage is automatically effective during travel and there is no cost to the traveler. However, the policy is only applicable as excess to any other valid and collectable insurance, has many exclusions, and has a maximum benefit of $25,000 per person for most incidents. For these reasons, the University strongly advises individuals traveling abroad to purchase additional international insurance coverage through HTH Worldwide or another insurance provider.

Claim Reporting and Report of Injury

Seek emergency medical care as needed for treatment of injuries, use Travel Assistance Services* to help. Contact Europ Assistance (contact information is on the Travel Assistance chart) to open a claim for payment of treatment expenses.

Employees who suffer an on-the-job injury should notify their supervisor of the injury and their medical status. Ask the supervisor to complete the online Report of Injury as soon as possible to report the injury to HR.

University Travel in Mexico including Automobile Insurance

Travel in Mexico is subject to the University’s travel policies and procedures and may include advance travel review and authorization while U.S. State Department Travel Warnings are in effect. Employees should obtain written authorization, on NAU Stationary, from their Dean or supervisor granting them permission to drive a state vehicle into Mexico on University business.

A Mexican Automobile Insurance program through the Arizona Department of Administration Risk Management Division covers University vehicles traveling into Mexico. Prior to the trip, University travelers must obtain a Mexican Insurance Packet, specific to each vehicle. To obtain this packet, contact the Insurance and Claims Unit of Contracting and Purchasing Services at least 10 days prior to departure with the following information: Department name, Name of NAU authorized driver(s), date entering Mexico, date leaving Mexico, specific location of travel, purpose of travel, NAU vehicle number, number of NAU employees traveling, number of NAU students traveling and if a trailer will be used (if so, provide license number).

Mexican law only recognizes insurance coverage issued by Mexican insurance companies. The Mexican government (and police) do not recognize policies written by American insurance companies, even if that policy has Mexican coverage. The University does not provide Mexican insurance coverage for private vehicles and most commercial rental agencies prohibit travel into Mexico. In case of an accident, follow the detailed instructions in the Mexican Insurance Packet. You must report incidents to the Mexican insurance carrier AND to the Insurance and Claims Unit of Contracting and Purchasing Services.

Travel Warnings

U.S. State Department travel warnings lists two general levels of urgency.  The first group includes warnings of heightened risk of travel to a particular country.  The second, more urgent type of warnings, may forbid, restrict, or otherwise urge U.S. citizens to defer travel to a particular country.  The U.S. State Department warnings are available online:  Travel Warnings.

Travel to Sanctioned Countries and War Zones

If a person plans travel to a trade sanctioned country, there is a high likelihood that country may have other high travel risks, political or social unrest, or war. Sanctioned countries may or may not be subject to U.S. State Department travel warnings. For any person traveling to a country with a trade sanction there is no coverage (nor any service from Executive Assistance® Services) if the person conducts an illegal or sanctioned activity. 

A list of sanctioned countries and summaries concerning travel are available on the website of The Office of Foreign Assets Control

“The Office of Foreign Assets Control (“OFAC”) of the U.S. Department of the Treasury administers and enforces economic and trade sanctions against targeted foreign countries, terrorism sponsoring organizations, and international narcotics traffickers based on U.S. foreign policy and national security goals.  OFEC acts under Presidential wartime and national emergency powers, as well as authority granted by specific legislation, to impose controls on transactions and freeze foreign assets under U.S. jurisdiction.  Many of the sanctions are based on United Nations and other international mandates, are multilateral in scope, and involve close cooperation with allied governments.”

Please note: International insurance programs and Executive Assistance® Services may have coverage limitations or not be valid at all for travel to sanctioned countries or in war zones.

Contact the Insurance and Claims Unit of Contracting and Purchasing Services well in advance of travel to review any exclusions or limitations applicable to the destination country or countries.

Any individual traveling to a war zone on University business must justify and obtain approval for the travel from the individual’s Dean or Vice President after review of the travel risks and insurance issues involved.

Export Control Regulations and Defense Base Act (DBA) Insurance

Export Control Regulations

Certain types of technology, equipment, software and even presentation materials may require a federal license if transported outside the United States. Consult the following link well in advance of any travel that may require a federal license for review and license issuance: https://nau.edu/research/compliance/export-controls/export-controls--foreign-travel/.

Defense Base Act (DBA) Insurance

This is a federal requirement for international travel that is associated with the U.S. Federal Government. There are two primary triggers when DBA must be obtained:

  1. Travel abroad as part of a public work or service contract with the U.S. Federal Government where the University is a contractor or subcontractor
  2. Travel to conduct work on a U.S. military installation abroad

DBA is generally NOT required for travel under federal research grants, cooperative agreements with federal agencies, or other authorized University travel unless one of the two triggering criteria listed above are applicable. To arrange DBA insurance, please contact the Insurance and Claims Unit of Contracting and Purchasing Services a minimum of 30 days in advance of departure.

Additional Links and Resources

U.S.State Department Traveler’s Checklist
U.S. State Department Smart Traveler Enrollment Program
Centers for Disease Control Traveler Health Information

Contact

For insurance questions, please e-mail NAU-Insurance@nau.edu and for claims questions, please e-mail NAU-Propliability@nau.edu or call (928) 523-2009.