M.U.S.I.C. Foreign Travel Insurance Program

1. Foreign Travel Insurance Program 2015-16 Educating students to shape their lives, their professions, and their societies.

2. Insurance Program Designed To Protect • M.U.S.I.C. Member Universities, a Member of the Michigan Universities Self-Insurance Corporation “M.U.S.I.C.” was established in 1987 • M.U.S.I.C. is an insurance and risk management facility that consists of 11 public Michigan Universities.

3. Foreign Travel Insurance Program • Excess Foreign General Liability • Foreign Property • Excess Foreign Automobile Liability • Foreign Workers’ Compensation • Travel Accident and Sickness • Travel Emergency Assistance

4. Persons Insured • General Liability - Employees, Faculty, Student Teachers, Officers, Volunteers, Board Members and Students participating in University sanctioned programs if they are acting on behalf of the University • Auto Liability - Any Person authorized by the Insured • Workers Compensation - US Employees Traveling overseas • Travel Accident & Sickness - Employees, Faculty, Students, Spouses, Children, Board Members, Directors, Officers without regard if registered with Study Abroad. • Persons over 70 years of age must be designated with the insurance carrier

5. Coverage Territories • GL, Auto, Travel Accident – an occurrence or an accident other than in the United States (including its territories and possessions), Puerto Rico, & Canada. • Claims occurring in a territory or country, which is in violation of any applicable US Treasury Department economic, trade or "OFAC" sanctions, enforced by the US Treasury Department are not covered.

6. Insurance Coverage Applies • Liability losses occurring overseas and claims brought overseas against the University. • Lawsuits brought in the country where the loss took place not in the US. • Medical care needed overseas and travel assistance overseas only. • US and territories (Canada, Puerto Rico) are not covered by this contract but are covered under the University’s other casualty policies.

7. Insurance Coverages • Foreign Commercial General Liability • Bodily Injury and Property Claims as a Result of Occurrences overseas • Legal Liability Protection • Third Party Lawsuits for losses brought outside of the U.S. • Provides Defense

8. Insurance Coverages • Foreign Property • Coverage for University Property owned overseas • Deposit Fee Reimbursement – Crisis Event required to trigger coverage. Covers nonrefundable deposits • Study Abroad tuition Fee Reimbursement – Crisis Event required to trigger coverage. Covers tuition that the Institution is required to pay back to the students • Crime coverage - Employee Dishonesty

9. Insurance Coverages • Excess Foreign Business Auto Liability • Bodily Injury and Property Damages Caused By An Accident • Using Hired, Rented, & Non-Owned Vehicles • Legal Liability Protection • Third Party Lawsuits • Provides Defense • Physical Damage Insurance (comprehensive or collision)

10. Auto Liability – What You Must Do • Purchase all maximum coverage from the local foreign country with liability limits NO less than: • US $100,000 each person, bodily injury • US $100,000 each accident, bodily injury • US $100,000 property damage • You warrant that all travelers renting vehicles will buy this insurance whether the country requires it or not. If it is not purchased then you will have a $100,000 deductible

11. Insurance Coverages • Foreign Workers’ Compensation • US & North American Employees (which includes foreign employees in the USA traveling with groups outside of USA) • During Incidental Business Trips • Outside the USA & Canada • State of Hire Statutory Benefits Apply

12. Insurance Coverages • Travel Accident and Sickness • Outside the US, Canada, & Puerto Rico • Accidental Death & Dismemberment • Accident & Sickness Medical Expenses excess of any health insurance in place • Emergency Medical Evacuation • Emergency Family Travel • Repatriation of Remains

13. Travel Accident & Sickness Limits/Exclusions • Pre-existing medical conditions • Damaged eye glasses or contacts are not insured • Injury resulting from athletic participation in any professional, semi-professional, or interscholastic team sport unless sanctioned by NCAA and NCCA coverage would apply first • Injury or sickness from alcohol or substance abuse • Injury from any terrorist act • Excludes self inflicted wounds

14. Insurance Coverages • Crisis Response Coverage for natural and man made emergencies • Outside the US, Canada, & Puerto Rico • Provides coverage for Crisis Management Crisis Response Costs resulting from a Crisis Event • Must use insurance company approved companies to be reimbursed

15. Chartis Travel Assistance Services • Pre-travel information • Currency rates • Weather/climate information • Emergency telephone interpretation • Help with lost luggage • Medical & legal referrals • Emergency cash • Medical case management • Shipment of medical records or prescription medication

16. Chartis International Services • Call Travel Guard, when you are traveling outside the USA and Canada on a sponsored trip and you need help finding or arranging services such as: • Medical or Travel Emergency Service • Legal Advice • Lost Baggage or Passport Assistance • Evacuation and Repatriation • Emergency Message Center • Emergency Cash (per personal funding source)

18. Foreign Travel Insurance Program Questions? Contact Mick Doxey, Director of Risk Management @ 12284 Risk Management Web Site http://www.gvsu.edu/uco/riskmanagement/foreign-travel-18.htm Educating students to shape their lives, their professions, and their societies.