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 the following coverages while traveling internationally on
University business. This includes
travel to conduct research, meet with colleagues, attend and speak at
conferences, lead student travel, sabbatical travel, and any other travel on
University business regardless of the funding source for travel:
- Worker's compensation
benefits are provided for on-the-job injuries. This includes medical care and
wage replacement for injuries determined to be compensable, and consistent with
- Liability coverage is
provided for University employees and volunteers while acting within the course
and scope of their employment duties.
- Emergency medical care,
emergency evacuation, and repatriation services. For available services, see the Travel Assistance Services section. The program for
emergency medical care covers unforeseen medical care needs only, it does not
cover continuing care for existing conditions or routine appointments. This is not health insurance and 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.
International Insurance Coverage for Student and Registered Volunteer
- Enrolled University students
participating in a study abroad program, a one credit hour or more study,
internship, service learning, or research program abroad will be required, and
automatically enrolled, in the contracted international health insurance plan.
Contact the Center for
International Education for more information.
- Students traveling abroad
with University faculty or staff, or as part of a University program (except
registered study abroad students) are provided emergency medical care,
emergency evacuation, and repatriation coverage.
The program for emergency medical care covers unforeseen medical care
needs only, it does not cover continuing care for existing conditions or
routine appointments. This is not health
insurance, so students may wish to arrange international coverage at their own
expense through another international insurance provider, especially if they
have continuing care needs while abroad. Liability coverage is applicable for registered
volunteers and students traveling in an official University capacity as a University
employee. Liability coverage is also
applicable for students when international travel has been approved as a
required part of the student’s academic training program or curriculum. University insurance coverage is not
applicable for independent travel or research.
- The State of Arizona also
provides a very basic Foreign Travel Accident Insurance Policy for students and
registered volunteers that travel abroad. The coverage is automatically
effective during travel, and there is no cost to the traveler. This policy is
only applicable as excess to any other valid and collectible insurance, has
many exclusions, and has a maximum benefit of $25,000 per person for most
incidents. For these reasons, the University strongly advises students and
registered volunteers traveling abroad to evaluate their coverage needs.
Assistance Services for University employees, enrolled students, and registered
Services is available to
all University employees, enrolled students, and registered volunteers,
at no cost, while traveling or working outside their 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 or 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.
- Click Register Now.
- Enter your e-mail address and policy number: PHFD38226873.
- An e-mail 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.
Seek emergency medical
care as needed for treatment of injuries; use Travel Assistance Services to help. Contact Europ
Assistance (contact information is found on the Travel Assistance Program)
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 University's Human Resources.
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 University Stationary,
from their Dean or supervisor granting them permission to drive a state vehicle
into Mexico on University business.
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 University authorized
driver(s), date entering Mexico, date leaving Mexico, specific location of
travel, purpose of travel, University vehicle number, number of University employees
traveling, number of University students traveling and if a trailer will be
used (if so, provide license number).
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 before you leave Mexico AND
to the Insurance and Claims
Unit of Contracting and Purchasing Services as soon as possible.
U.S. State Department
travel warnings lists two general levels of urgency. One level includes
warnings of heightened risk of travel to a particular country. The other,
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
From the OFAC Website: The Office of Foreign Assets Control (OFAC) of the US
Department of the Treasury administers and enforces economic and trade
sanctions based on US foreign policy and national security goals against
targeted foreign countries and regimes, terrorist, international narcotics
traffickers, those engaged in activities related to the proliferation of
weapons of mass destruction, and other threats to the national security,
foreign policy or economy of the United States. OFAC acts under
Presidential national emergency powers, as well as authority granted by
specific legislation, to impose controls on transactions and freeze foreign
assets under US 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.
University travel to
sanctioned countries requires detailed advance review and approval to ensure
compliance with applicable license requirements and travel restrictions.
Sanctioned countries may or may not also be subject to US State Department
Travel Warnings. Consult with the Office of Regulatory
Compliance well in advance of any travel envisioned to a sanctioned
country. For information about current US sanctions, see https://www.treasury.gov/resource-center/sanctions/Programs/Pages/Programs.aspx.
All University travel
that requires a federal license must be coordinated through the Office of Regulatory
Compliance and requires significant lead time for review and license
International insurance programs and assistance services may have
coverage limitations or may 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.
Any individual traveling
to a war zone on University business must justify and obtain approval for the
travel from the individual’s Vice President or Provost 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.