Your Guide to International Medical and Travel Insurance

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Required International Medical Insurance

IFS requires that all participants in our programs have international medical insurance. Some medical insurance plans provide international coverage, but many do not. Make sure to check with your healthcare provider to confirm that your plan includes international coverage, medical evacuation, and major medical benefits.

If your plan does not provide international coverage, you can check the plans provided by MEDEX Assistance, HCC Medical Insurance Services, HTH Travel Insurance, or the International Student Identity Card (ISIC). These options should provide adequate individual coverage.  Group coverage is also available for academic institutions with groups of 20 or more.

Optional Travel Insurance

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IFS suggests that participants purchase travel insurance that covers trip expenses such as natural disasters, travel delays, and emergencies. Hurricane season in the Bahamas lasts from June to the end of November. Groups visiting during this timeframe should strongly consider the additional coverage. If your group will be in the Bahamas during hurricane season, the National Weather Service can provide further insight or any necessary precaution at www.nws.noaa.gov.  

Medical and Travel Insurance Combined

Two of the international medical insurance options listed in the prior section also offer international travel insurance. The International Student Identity Card (or International Youth Travel Card or International Teacher Identity Card) can save students, teachers, and overseas visitors money on travel insurance plans and other discounts or benefits. All cards issued in the U.S. come with international travel insurance. Learn more here: https://www.myisic.com/insurance/. StudentSecure coverage from HCC Medical Insurance Services, LLC is another good option for internationally traveling students to protect against unexpected expenses. This coverage is available for secondary school and college students or researchers. Learn more here: https://www.hccmis.com/student-secure-insurance/index.php.

The IFS policy states that deposits and fees are non-refundable, and IFS will not be held responsible for trip cancellations. If IFS cancels a trip due to natural disasters or other emergencies, your group may be eligible for a partial refund. Please see the group leader agreement form for more information on the IFS payment/refund policies.

If you are uncertain about purchasing international travel insurance, please contact our office. We are happy to provide additional assistance to help determine the best coverage for your personal and group needs during your time at Forfar. 

Please note: we do not endorse any of the plans mentioned above, they are just some options available to you.