Health Insurance

Students going abroad must carry medical and accident insurance that is valid overseas.You may be fully covered under
a parent's policy, or you may wish to contract for insurance directly related to living abroad.You must decide what coverage is adequate for you.Your insurance should cover sickness, accidents, and hospitalization as well as travel. It is also
recommended that your insurance include medivac coverage and repatriation. Before leaving home you should check with your medical insurer to find out what documents you will need for reimbursement, how to handle questions of exchange rates, whether you present the original of the bill or a copy, what to
do about translations, deadlines, etc.

Information is available for the College's student health insurance policy, including application and claim forms.

A list of study abroad insurance providers may be found
at: studyabroad.com

Regardless of the type of insurance you purchase, doctors and hospitals require payment at the time of the visit.You can seek reimbursement from your insurance company only after you have paid the bill and can produce the receipt. Some of these services will take credit cards as payment.You should also have access to emergency funds in case of hospitalization or other emergency
medical care as Middlebury College may not assume these expenses for students. In general, you will find medical care,
particularly in the public sector, somewhat less expensive than in the U.S. Foreign health insurance coverage should be considered complementary to, rather than a substitute for, a U.S. policy.
Moreover, such insurance does not guarantee access to a public hospital, where there can be long waiting lists for all but major or emergency ailments, and private hospitals and clinics can be
as expensive as their American counterparts.

If you intend to travel outside of your host country please remember that most local health insurances will be accepted only within the issuing country's borders.

Participants in the School in Russia and School in China will automatically be enrolled in an insurance plan which includes medevac and repatriation coverage.

Schools Abroad

Health Insurance