Period of Coverage

 

Oklahoma State’s insurance is provided by ACE American Insurance Company. You are eligible for insurance beginning on the date you start your trip until the date you return to your home country or until you move out of eligibility due to dismissal from the program or personal deviation beyond the scope of the program (for example, personal travel before or after the official program which is not covered by this policy). OSU insurance coverage includes up to 14 days of “personal deviation” coverage where personal deviation is defined as an activity that is not reasonably related to the study abroad program. Any personal deviation travel in excess of these 14 days is not covered and requires you to purchase your own personal travel insurance should you wish to be covered (see more below). For more information on this and other coverage details, please review the Summary of Benefits.

 

NOTE: Domestic programs are not covered by this OSU insurance policy, including students participating on the National Student Exchange to a US destination or students participating on an OSU faculty-led program to a domestic location.

 

Exclusions and Limitations

 

As with any insurance policy, exclusions and limitations apply. For example, scuba diving, bungee jumping and surfing are not covered and would require you to purchase a separate insurance policy. This is one reason we recommend all students retain existing coverage in addition to the OSU policy. Know your insurance and what is covered! Information on exclusions and limitations can be found in the Summary of Benefits.