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International Insurance Requirements and Resources

Definition

“HTH Worldwide” Insurance is Michigan State University’s international health insurance provider.  It includes coverage for medical expenses, accidental death and dismemberment, medical evacuation and repatriation.  This coverage is available for both outbound international travels (departing from the United States) as well as inbound travel to the United States (traveling to the United State).  Go here for more information.  All individuals traveling on behalf of MSU are automatically enrolled if they take the following steps:  (1) complete a pre-trip travel authorization for each traveler; (2) register the trip in the International Travelers Abroad Database.  More information can be found here

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MSU Travelers Abroad Database FAQs

As stated above, all individuals traveling on behalf of MSU are automatically enrolled if they take the following steps:  (1) complete a pre-trip travel authorization for each traveler; (2) register the trip in the International Travelers Abroad Database.  More information can be found here.

Contact your department or unit's travel administrator to confirm you are being registered in the Travelers Abroad Database if you travel internationally on university business. If your department or unit is not yet using the database, the travel administrator should contact the International Health and Safety Intern by email or telephone (517-884-2174) to obtain access.  Please visit this website for more information.

Enrolling in the International Travelers Abroad Database allows the university to share important health and safety information pre-departure, and to provide emergency support services available from MSU, if necessary.  This information can be found here.

Types of Insurance

MSU Faculty Travelers

  • Faculty working on MSU project abroad - MSU’s international health care coverage (HTH) is intended for business travel.  Business travel is defined as performing work overseas on behalf of MSU which has been approved as such by their department.  The coverage is limited to 180 days.  If faculty conducting MSU business are residing abroad on a long-term basis, health coverage is provided by the employee’s domestic health care provider. Questions regarding long-term coverage should be directed to MSU Human Resources at 517-353-4434 or the employees insurance provider
  • Faculty wishing to stay in a foreign country beyond project performance period - MSU’s international health care coverage is not applicable for personal/leisure travel.  To purchase comparable coverage from the same service provider, contact HTH Worldwide.  A quote can be obtained by contacting HTH by phone at 1-888-243-2358 or online at www.hthtravelinsurance.com.

MSU Student Travelers

  • All Students on a MSU Study Abroad Program - Insurance for students participating in MSU Study Abroad Program through the Office of Study Abroad (OSA) are automatically enrolled in HTH Worldwide Insurance.
  • Students NOT on MSU Study Abroad Program- If travel is not arranged through OSA, insurance coverage is available through the Office of Risk Management and Insurance for both inbound and outbound international travel.   Refer to the Office of Risk Management and Insurance website for most up-to-date information. 
  • Students traveling on their own and not on an approved MSU travel authorization - Contact your domestic health care insurance provider for coverage determination, if applicable. To purchase coverage comparable to coverage provided by MSU from the same service provider, contact HTH Worldwide.  A quote can be obtained by contacting HTH by phone at 1-888-243-2358 or online at www.hthtravelinsurance.com.
  • Students wishing to stay in a foreign country beyond project performance period - MSU’s international health care coverage (HTH) is not applicable for personal/leisure travel.  To purchase comparable coverage from the same service provider, contact HTH Worldwide.  A quote can be obtained by contacting HTH by phone at 1-888-243-2358 or online at www.hthtravelinsurance.com.
  • MSU (non-international) students at MSUMSU offers health, dental and vision coverage to students and their eligible dependents from HR recommended providers.

International Student Travelers

  • International students at MSU - All MSU international students are required to carry health insurance and are automatically enrolled through the HR recommended provider.  More information can be found here.
  • International students working on MSU research project abroad - International students can purchase the Student Health Insurance but this does not include life insurance.

Visiting Faculty/Scholars

Please visit this website for more information.

MSU Student Travelers

Flight/Travel/Life Insurance while on MSU Study Abroad Program as a student - Flight and Travel Insurance are not included as part of the program fee. Flight insurance may be purchased at most international airports. Flight insurance covers you only when you are on the airplane and will not remove the need for more inclusive coverage. Should you wish to secure travel insurance for your luggage and other personal effects or cancellation coverage, an insurance agent or travel agent can provide you with information.  Student Health Insurance does not automatically include life insurance.  Students can purchase Repatriation and Medical Evacuation insurance from HR recommended provider

Visiting Faculty and Scholars

Life Insurance for foreign faculty and scholars coming to MSU - Visit the Human Resources website for information on eligibility and options for purchasing life insurance policies.

All Travelers

  • Travel Insurance coverage for an accompanying spouse or dependent that is not traveling on an approved MSU travel authorization - Information can be found on Risk Management and Insurance website. Travel insurance coverage can be purchased.
  • Property Insurance while working on MSU project abroad - MSU property insurance information can be found here
  • Personal Property - MSU does not provide coverage for personal property.  Any questions regarding travel on MSU business can be directed to MSU Travel Office
  • Foreign Liability Insurance - Foreign Liability Insurance coverage is applicable for all individuals that are conducting MSU business outside of the United States.  It provides coverage for defense costs and payment of claims resulting from injuries to third parties or damage to property of others that arise from MSU operations.  This is a blanket policy and therefore, enrollment is not required.
  • Insurance for University owned vehicles that are scheduled for use in foreign countries - For more information on insurance for University owned vehicles that are scheduled for use in foreign countries, please visit this website.
  • Renting cars internationally - National and Enterprise car rental are MSU preferred car rental companies worldwide.  MSU contract does not provide for loss damage and liability insurances outside the United States.  Travelers are encouraged to purchase these insurance types when renting cars internationally.  Eligibility for car rentals through MSU contracts includes faculty, staff, graduate students on university business, and retirees.  For more information regarding rental vehicle policies including insurance, refer to MSU Manual of Business Procedures, Section 70, Part III A Transportation Regulation, Ground Transportation, Item 3.d.  The program summary for National and Enterprise Car Rental is available here.
  • Insurance on vehicles in the US and abroad: university owned vehicles, privately owned vehicles, rental vehicles - For information on this topic, please visit this website or contact MSU Travel Office at 517-355-5000.

DBA Insurance - Defense Base Act Insurance is required on federal contracts for employees working outside the United States. Please note that DBA insurance is a requirement for all federal contracts with international activity. In the event you have a cooperative agreement or grant, funded by the federal government, please refer to the solicitation for DBA compliance requirements.

The primary goal of the Defense Base Act (DBA) was to cover military workers outside the United States; however, today the Defense Base Act insurance is typically required for almost any contract with an agency of the U.S. Government, for work outside the U.S., whether military in nature or not. DBA Insurance provides life and disability insurance in the event that civilian contractors are injured, killed, or kidnapped in the course of their work for US Government Agencies such as the various branches of the Department of Defense, United States Agency for International Development (USAID) or the State Department.

Failure to obtain DBA insurance carries stiff penalties, and it may result in fines from the USG and possible loss or termination of contract.

If the contract is funded by USAID, DBA insurance must be obtained by Allied World National Assurance Company as there is a sole source agreement between USAID and Allied World.  Contact information for Allied World is found at the following web address:   http://www.alliedworldinsurance.com/usa-casualty-usaid.

For budgeting purposes, when calculating the DBA coverage insurance cost, it is recommended to budget 2% of the total salaries and wages, unless advised otherwise by the sponsoring agency.

Category:     Subcategories: International

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