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University of Denver
FAQ & Summary of Benefits 2022-2023
Eligibility:
All Staff, Faculty, Contractors, University Officials and Board Members, Students, Subscribers approved guests, and
Volunteers, who are traveling outside their permanent country of residence, on a University sponsored trip. Policy covers
spouse and dependent children of covered members stated above.
When is my coverage effective?
Your International SOS membership provides for pre-travel advice. Once abroad, you may access the full range of
International SOS services and your Starr Insurance travel medical insurance will be effective once you are abroad for
your university affiliated international travel.
What are some of International SOS services?
Pre-trip consultation on travel items, such as passport and visa requirements, necessary immunizations, safety and
security information, medical assistance, and/or questions of concern regarding travel, medical and security issues in your
destination. Additionally, the coverage includes medical and security evacuation and repatriation coordination; political
and natural disaster evacuation coordination; payment of overseas medical bills; coordination of all benefits with the
insurance plan administrators; full coordination with the International SOS credentialed worldwide medical provider
network.
Do I get an ID card?
You can download the International SOS membership card from DU’s International SOS portal
(Member ID
11BSGC000067), which will include the 24-hour International SOS Assistance Center phone number. You will not receive
a separate insurance ID card.
The International SOS program does not provide international travel medical insurance, so do I have
international travel medical insurance when I travel abroad?
Yes. DU provides international travel medical insurance through Starr Insurance for international travelers.
Who do I contact if I have pre-trip medical or security questions?
Travelers should visit the University’s International SOS membership page
to familiarize themselves with the services that
International SOS offers travelers while they are abroad. If prompted for a membership number, enter 11BSGC000067.
If you have a pre-trip medical or security related question or need information or assistance while overseas, please
contact the 24-hour International SOS Assistance Center in Philadelphia in one of the following ways:
• By email at [email protected] (In the event of an emergency, please call International SOS via
the phone or the International SOS Assistance app)
• By phone at +1-215-942-8478. You can call collect, even from abroad, or you can call in from any other
available phone or send an email and ask for a call back.
• Via the International SOS Assistance app on your mobile phone. Enter http://app.internationalsos.com
in your
smartphone browser to download the app and create an account by registering with your university email.
International Travel Insurance and Assistance Program
The Assistance Center is staffed by doctors, logistics coordinators and security experts that are able to provide medical
advice and assistance in your location.
How do I enroll?
International travel medical insurance is a benefit provided to university travelers while outside of the U.S. at no
additional cost when they have registered their travel with DU. While we are looking for ways to streamline this, travelers
must currently complete one of the following steps to ensure enrollment and coverage:
• Faculty and Staff must submit a Request in Pioneer Travel and Expense.
o If travel is funded by DU, employees must book travel via our Travel Agent, Christopherson Travel. More
guidance on how to do that can be found here: https://www.du.edu/sharedservices/employees/travel under
“Frequent Travelers”>>International Travelers.>>Pioneer Travel & Expense
• Experiential Learning students (ex.: students going abroad for an internship) and students on Faculty-led
programs must register in DU Passport by following the appropriate links here: https://abroad.du.edu/
• Students on programs offered by the Office of International Education or UAP are automatically registered.
Starr Insurance Medical Insurance Plan Benefits
Insurance Company: Starr Insurance
Policy Period: 7/1/2022 – 6/30/2023
Policy Number: STP 273893
All Benefits are in U.S. Dollar Amounts:
Medically Necessary Services related to an Illness or Injury
• Physician Office Visits
• Hospitalizations
• Diagnostic Tests
• Ambulance Services
• Prescription Drugs
•
Mental Health
$500,000 per calendar year
Emergency Dental
Included
Deductible
$0
Pre-Existing Conditions
Covered
What is covered under the Starr Insurance Travel Medical Insurance Plan?
The plan covers medically necessary services, including hospital room and board, inpatient and outpatient surgical
procedures, emergency outpatient care, labs and x-rays, inpatient (emergency stabilization only) and outpatient mental
health sessions, physician office visits and prescription drugs. Evacuations and repatriations are also covered under
this program. Contact intlsafety@du.edu
for a full list of benefits.
What are some services that are NOT covered and important to understand prior to traveling?
The plan does not cover preventative care, including, but not limited to, travel immunizations, physicals, annual
women’s wellness exams, and birth control. Routine pregnancy services are not covered. Contact [email protected]
for a full list of benefits. Review the last page of this document for the full list of exclusions.
How are prescription drugs covered?
Prescription drugs are covered when prescribed, by a doctor outside of the United States for a covered medical
illness or injury that occurs while traveling. It is best to get all refills for a medication that you take on a routine
basis prior to traveling. This includes both preventative and maintenance medication for chronic health
conditions. Always check to see if your medicine is allowed in the country you are traveling to. For medication
advice contact International SOS’ 24-hour Assistance Center in Philadelphia either via email at
or via phone at 1-215-942-8478. Some medications may be challenging to
bring into a country. For example, traveling with injectable medication. Please discuss this with International
SOS as they will be able to provide you with advice. It is important to note that not all medications are available
locally. Please note that birth control is considered preventative in most cases and is not covered.
What happens if I lose the medication while traveling?
Starr Insurance will cover the replacement of medication for lost prescriptions that are medically necessary
during the trip. Generally, birth control is considered preventative medication and is not covered; and therefore,
is not eligible for this replacement of medication benefit.
What is covered under the emergency dental benefit?
A dental emergency is defined as a type of medical emergency that involved a dental condition of recent onset and
severity, which needs immediate dental procedures necessary to control excessive bleeding, relieve severe pain, or
eliminate acute infection. This also includes accidental dental treatment of an injury to sound, natural teeth that occurs
while on a school-sponsored trip.
Does this plan cover testing for sexually transmitted disease?
If the testing is a preventive screening or if it is part of a physical or preventive visit, it is not covered because the plan
does not cover routine or preventive services. If the testing is performed because you have symptoms or have been
exposed to someone with sexually transmitted disease, it would be covered.
If I lose or break my eyeglasses or contact lenses, will the plan cover a new set of lenses?
Replacement of broken lenses is provided when they have been damaged in a covered accident, refer to exclusions 1-
5 for non-covered events.
Does the plan cover a hospital stay for treatment of alcohol or substance abuse?
The plan will cover that portion of the hospital stay for the purpose of stabilizing the patient. It will not cover that part
of an inpatient hospital stay for alcohol or substance abuse treatment or any underlying mental health condition.
What if I have a pre-existing condition, am I covered?
Yes, pre-existing conditions are covered.
Does this plan have a deductible?
No. Deductible means the dollar amount of covered expenses that must be incurred as an out-of-pocket expense by
each insured before payment is made by the claims company.
How is payment for services handled?
If International SOS pays for covered medical treatment on your behalf, the claim will be automatically sent to Starr
Insurance, and International SOS will be reimbursed directly from Starr International. The traveler does not need to
submit any paperwork.
Who do I contact if I have questions about how the Starr Insurance plan works?
Contact [email protected]
if you have any questions.
How does the claims process work if International SOS coordinates the payment for medical treatment?
If International SOS coordinates the payment for medical treatment, the claim will be paid for by the insurance
company according to the terms and conditions of the policy. The student does not need to submit any paperwork.
Please note that if you are prescribed a medication it is unlikely that International SOS will be able to coordinate
payment and you will need to submit a claim for reimbursement. Please see the instructions on how to submit a claim
under the below question.
Below are the instructions:
Claims can be submitted to intlassist@visit-aci.com. Copies of medical bills should be submitted along with a brief
explanation of your claim. You will be contacted if additional information is needed to process your claim.
Who do I contact if I have questions about a specific claim or claims payment?
Please call ACI at 888-293-9229 for information or questions about your claim.
EXCLUSIONS – STARR INSURANCE TRAVEL MEDICAL INSURANCE PLAN
In addition to any benefit-specific or coverage-specific exclusion, benefits will not be paid for any loss that directly or
indirectly, in whole or in part, is caused by or results from any of the following unless coverage is specifically extended
by reference to the exclusion in a Hazard:
1. flight in, boarding or alighting from an aircraft or any craft designed to fly above the Earth’s surface except as
a. a fare-paying passenger on a regularly scheduled commercial or charter airline;
b. a passenger in a military aircraft flown by the Air Mobility Command or its foreign equivalent.
2. Covered Person’s flight in, boarding or alighting from an aircraft or any craft designed to fly above the Earth’s
surface that is an Owned Aircraft, Leased Aircraft or Operated Aircraft.
3. a Covered Person’s commission of, or attempt to commit, a felony, an assault or other illegal activity.
4. participation in a riot or insurrection.
5. a Covered Person’s bungee-cord jumping, parachuting, skydiving, parasailing, hang-gliding, motorcycling, scuba
diving, jet, snow or water skiing, mountain climbing (where ropes or guides are used), amateur racing, piloting an
aircraft, spelunking, whitewater rafting, surfing, and parasailing.
Additional Exclusions (associated with medical expense coverage)
1. routine physical examinations and routine care of any kind, including routine childcare.
2. routine dental care and treatment.
3. pregnancy-related expenses that are considered preventative or routine or incidental to a pregnancy such as
sonograms, lab tests, and pre-natal vitamins, except for Complications of Pregnancy.
4. expense incurred for treatment of temporomandibular or craniomandibular joint dysfunction and associated facial
pain.
5. cosmetic surgery, except for reconstructive surgery needed as the result of a Covered Injury.
6. any elective treatment, surgery, health treatment, or examination including any service, treatment or supplies that:
(a) are experimental; and (b) are not recognized and generally accepted medical practices in the United States.
7. treatment of injuries that result over a period of time (such as blisters, tennis elbow, etc.), and that are a normal,
foreseeable result of participation in an activity.
8. replacement of artificial limbs, eyes and larynx.
9. Services, supplies, or treatment including any period of Hospital Confinement that is not recommended, approved,
and certified as Medically Necessary and reasonable by a Physician, or expenses that are non-medical in nature.
10. Services or treatment rendered by any person who is:
a. employed or retained by the Policyholder;
b. living in the Covered Person’s household;
c. an Immediate Family Member of either the Covered Person or his or her Spouse/Domestic Partner; or
d. the Primary Insured.
11. Personal comfort or convenience items, such as but not limited to, hospital telephone charges, television rental,
internet access, barber services or guest meals while confined in a Hospital.
12. any treatment, service or supply not specifically covered by the Policy.
