Arch Insurance and Assist America
Students who are approved to study abroad on a Dickinson, Dickinson Partner, or non-Dickinson program are covered under Dickinson’s supplemental global insurance policy. The Center for Global Study and Engagement (CGSE) registers students and pays for this policy; students do not need to sign-up for this coverage. We understand that insurance coverage can be complex and we try our best
to answer general questions regarding insurance. We ask that families
contact their current health insurance provider and/or RCM&D
(Dickinson’s insurance broker for the Arch policy) for details of policy
coverage specific to the student’s study site and travel plans.
This supplemental policy is effective outside the U.S. during the student’s program dates; it does not cover students traveling independently before or after the program dates.
Questions regarding Arch Insurance benefits should be addressed to:
555 Fairmount Avenue
Baltimore, MD 21286
Tel: 410 583 5452
Tel: 800 346 4075 ext. 1452
Arch insurance group is partnered with Assist America, a global emergency service provider, which provides 24 hour a day assistance in the event of a medical emergency. If a student is in need of emergency care, he or she should telephone Assist America to be connected with a medical professional who will evaluate the situation and refer the student to a local medical facility. Of course, in the event of a life critical medical emergency, students should always call the country equivalent of 911 and the local program staff. Assist America can also assist with prescription replacement, locate lost baggage or documents, and provide other non-medical assistance. Please note the following:
- Students should print the Assist America Travel Assistance Card and carry the card with them overseas
- Assist America’s hotline is not to be used for pre-trip medical
counseling. Students should consult their physician and are encouraged
to contact the Center for Global Study and Engagement to discuss
pre-trip medical needs
- Parents may also utilize Assist America
- Assist America is not an insurance provider; therefore, services offered
or referrals made by Assist America are not a guarantee of insurance
A free Assist America iPhone and Android application is available for download by parents and students. The application login is the member number: 01-AA-ARC-04123S. The application provides the following:
- Emergency call button; students or parents can call and be connected to a medical professional 24/7
- Global travel alerts
- Embassy locator service
- Pre-trip country profiles
Some countries require students to have in country insurance as part of their national health scheme. This coverage may be limited to emergency care and serves as the student’s primary policy while in country. General information about these policies is provided in the program handbook and during on-site orientation. Please note that national insurance will not cover a student if they travel outside the country. For instance, an Italian policy will not cover a student if they are traveling in France. National health coverage on Dickinson programs, where required for obtaining a student visa, is arranged for by Dickinson and included in the program fee.
For countries without required national health schemes, a student’s U.S. health insurance plan serves as the primary policy. In this case, it is likely that a student will have to pay upfront for any medical treatment and submit receipts to their primary health insurer for reimbursement. Generally speaking, a U.S. insurance card will not be accepted at a foreign hospital or doctor’s office for payment. It’s important to check your policy for details. Assist America and on-site program staff can help students negotiate this process in country.
If your U.S. policy does not cover your student while they are abroad, or your U.S. policy denies a claim that is submitted for reimbursement, families should submit claims to Arch Insurance.