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Foreign Travel Insurance (FTIP):


All University sanctioned travel must be approved. See: http://www-admn.csun.edu/travel/travel_procedures.htm for details. University Risk Management processes foreign travel insurance for all University approved foreign trips as a cost effective and prudent method of providing for financing of the specialized risks related to foreign travel. The FTIP is designed to provide automatic coverage for faculty, students and others while traveling abroad. Program coverage for the University is primary and with no deductible thereby protecting the existing University insurance programs from increased claims and filling the "deductible gap." Program coverage for students and staff meets or exceed common limits and provides primary coverage if the student has no health insurance. The insurance coverage under the FTIP exceeds regular travel insurance available from travel agencies or other insurance retailers which do not protect the University.

The California State University Risk Management Authority (CSURMA), in conjunction with ACE USA, has developed a Foreign Travel Insurance Program to (1) address the financing of losses related to foreign travel, and (2) provide travel assistance services for University employees and students. This systemwide program provides general liability, excess auto liability, foreign workers' compensation, accident and sickness (including medical coverage), and executive assistance services to university personnel and students overseas on university or auxiliary sponsored trips.

Although coverage is automatic, information is needed for every trip as soon as the instructor begins preparing for foreign travel. This will ensure that the participants traveling abroad have proper travel assistance; provide whereabouts in the event of an emergency; and record underwriting information for premium allocation.

The coverage is not automatic if participants are traveling to any country or jurisdiction which is the subject of trade or economic sanctions imposed by the laws or regulations of the United States of America or a "war risk" country. Coverage to a "war risk" or embargo country requires advance notice to the underwriter, which can be requested through the University Risk Manager.

Coverage:
Foreign Travel Insurance Program
Policy Term:
July 1, 2007 - July 1, 2008
Policy Number:
PHFD37064994
Insurer:
ACE USA - U.S. International Advantage Program
Named Insured:
California State University Trustees, California State University and its Members
Coverage Territory:
ANYWHERE IN THE WORLD but excluding:
 
1. the United States of America (including its territories and possessions)
 
2. any country or jurisdiction which is the subject of trade or economic sanctions imposed by the laws or regulations of the United States of America. See Current Travel Warnings from the State Department.
Coverage:
  
Primary General Liability:
$ 5,000,000
Coverage for injury to participants and for legal action outside the U.S.
Excess Hired & Non-owned Auto Liability
$ 1,000,000
Excess Coverage covering owned. non-owned and hired autos.
Excess Hired Auto Physical Damage Any One Occurrence
$ 100,000
Excess Medical Payments Each Person
$ 25,000
Excess Medical Payments Each Accident
$ 25,000
Employers Liability Bodily Injury by Disease Policy Limit
$ 1,000,000
Employee Repatriation
$ 1,000,000
If medically necessary to repatriate the employee to a facility which is in the country of residence of the employee or a location in the country of which the employee is a citizen, following stabilization.
Coverage:
  
Primary Foreign Workers' Compensation
State of Hire Benefits
  • North Americans - employees who are citizens or legal permanent residents of the United States (including its territories and possessions), and Puerto Rico
  • Third Country Nationals - employees who are not citizens of the country of their workplace
  • Local Nationals - employees while traveling outside the country of their workplace and who are citizens of the country of their workplace
Employers Liability Bodily Injury by Accident
$ 1,000,000
Employers Liability Bodily Injury by Disease (each Empl.)
$ 1,000,000
Employers Liability Bodily Injury by Disease Policy Limit
$ 1,000,000
Employee Repatriation
$ 1,000,000
If medically necessary to repatriate the employee to a facility which is in the country of residence of the employee or a location in the country of which the employee is a citizen, following stabilization
Coverage:
  
Primary Accident & Sickness
  
Accidental Death and Dismemberment
$ 100,000
Pays 100% of "reasonable & customary" in-hospital and outpatient charge
Medical Coverage Limit
$ 25,000
Deductible
$ 50
Provides for emergency medical access to qualified, English speaking physicians, verifies benefits and coordinates claims anywhere in the world
Dental expenses resulting from an accident/injury
$ 1,000
Employee Aggregate Limit
$ 1,500,000
Student Aggregate Limit
$ 2,000,000
Emergency Medical Evacuation
$ 1,000,000
Emergency Medical Evacuation Aggregate
$ 1,000,000
Determines adequate medical facilities are not available locally, arrangement and payment for emergency medical evacuation under medical supervision, if necessary, to the nearest location with adequate facilities
Repatriation of mortal remains
Included
If necessary to repatriate the deceased to a facility which is in the country of residence of the deceased or a location in the country of which the deceased is a citizen, following preparation
Executive Assistance Services
Included
  • Provides for emergency medical, travel, personal and security services - 24 hour coverage, from the time the participant leaves until they return.
  • Supplies embassy and consular contacts worldwide, and assists in replacing lost documents.
  • Legal Assistance - connects participants with local attorneys familiar with court systems in foreign countries, and provides local language translation services.
  • Security Assistance - offers pre-trip security briefings and updated reports on security situations in cities worldwide.

Cost of Coverage:

Note that the FTIP premium is based on the duration of the trip and the number of participants

Premium Rates: (per traveler)

Insured
Trips up to 15 days
Trips up to 30 days
Faculty/Staff
$ 50 per trip
$ 60 per trip
Students
$ 40 per trip
$ 50 per trip

Trips more than 30 days need to be submitted for underwriter's approval.


Claims:
  
Claims Administration:
Worldwide Assistance Services, Inc.
Claims Reporting: USA or Canada:
(800) 766-8206
International:
Call collect via International Operator
  (202) 659-7777

 

This summary of the policy terms is provided for information only. It does not convey any rights upon the insurance nor alter its condition for coverage. Please refer to the actual policy for full disclosure of the policy terms.

For an insurance coverage please contact the Risk Management Department (818) 677-2401 and provide the information in the following form:

Foreign Travel Insurance Request Form