International Travel Insurance
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.
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
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.
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.
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
- Clicking on https://www.acetravelapp.com/TA/register.html
- Enter your email address and policy # PHFD38226873
- 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.
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.
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.
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.
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.
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
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.”
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
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
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/.
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:
abroad as part of a public work or service contract with the U.S. Federal
Government where the University is a contractor or subcontractor
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.
U.S.State Department Traveler’s Checklist
U.S. State Department Smart Traveler Enrollment Program
Centers for Disease Control Traveler Health Information
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.