All InterExchange Work & Travel USA students have accident and sickness insurance during their program in the U.S. Please visit www.InterExchange.org/wt-insurance for insurance coverage, claim, contact and provider information. Read the information thoroughly. A few important reminders should you need to use your insurance during the program:
InterExchange-arranged insurance is for accident and sickness only. It does not provide the same coverage as comprehensive health insurance. Before you get sick, find out which doctors participate in your insurance plan.
Make an appointment with a doctor whenever possible. Go to the Emergency Room at the local hospital ONLY if you are seriously sick. If you go to the Emergency Room and you are not admitted to the hospital, you will be responsible for a large co-pay as well as any other fees incurred for your visit that may not be covered by insurance. When you go to the doctor, you may need to show them identification, such as your passport.
Be sure to bring your insurance card when visiting a doctor. Present your insurance card with your policy identification number on it. Your doctor’s office can mail the bill to the insurance company to the address provided on your insurance card.
Remember that not all illnesses are covered with your accident and sickness insurance plan. Certain high-risk activities, such as motorcycle riding or skydiving, are NOT covered. Illnesses that you had before you left your home country (for example: diabetes, depression) are not covered by this policy. Eye exams and dental exams are not covered by this policy, unless the problem is a result of an accident. Pregnancy and STDs are not covered. Accidents that happen under the influence of drugs or alcohol are not covered.
Exclusions – Pre-Existing Conditions
The insurance will not cover any medical problems or conditions that existed before coverage under this insurance began. Examples might include: sickness related to asthma, diabetes, pregnancy/labor, routine examinations, cosmetic or dental surgery (unless it is necessary due to an accident) or any sort of eye examination. In the event that you are diagnosed with an illness or injury that requires ongoing treatment, you may be required to return to your home country to receive the necessary care.
Note: InterExchange will provide a separate booklet of information about the insurance plan offered by our provider, containing an ID card and claim form. Please feel free to contact us if you have further questions regarding insurance.
You should bring any medications with you that you are currently taking, as the cost for prescription medication can be very expensive in the U.S. Call your airline to ask how much of the medication you can bring. You may need to bring a letter from your doctor to verify the prescription.
For more information about how to purchase prescription medication in the U.S., please visit www.InterExchange.org/wt-insurance.
Insurance coverage for your travel period is comparatively inexpensive and will be of great benefit to you in the event of an accident or unexpected illness while traveling around the U.S. Some of our past participants have had accidents during their travels, but they have been grateful for their coverage through incidents such as stingray burns in Florida, a broken ankle while visiting the Grand Canyon and an allergic reaction in Cape Cod. We highly recommend participants have coverage throughout their optional travel period. Contact InterExchange if you would like to arrange coverage during your 30-day grace period.
If you are injured at work, all claims should be referred to your employer’s Workers’ Compensation policy. Please notify your supervisor immediately if you’re injured at your job.