Risk Management Programs
Employee Travel Accident Coverage & MEDEX Travelers Assistance Network
1. What is traveler's insurance?
Medical emergency assistance coverage for worldwide travel while traveling on business for the university outside of the USA. MEDEX is designed to ensure the availability of competent health care as promptly as possible in situations where health care may not be available or not be up to U.S. standards. Coverage includes: a. 24 hour, seven days a week, toll-free emergency assistance service.2. What it isn't.
b. Medical Evacuation and Repatriation coverage.
c. Limited Accidental Death and Dismemberment coverage.
This program is not a health insurance program. Employees are covered by worker's compensation. We encourage the purchase of health insurance coverage for student research assistants and family members if their present health care provider does not provide protection for worldwide travel.3. Whom does the program cover?
University employees and student research assistants whose expenses for the trip and/or foreign stay are authorized by and at the expense of the university. Family members of those employees, who are defined as long term employees for overseas purposes, are covered under this program when the university authorizes the arrangement and it is at the expense of the university.4. Are students covered?
Only students conducting research, whose expenses are paid by the university and are under the direction of an active employee, are covered.5. What defines "employee" for the purpose of coverage?
A person on university payroll and/or on official leave due to being granted a sabbatical.6. Is an unpaid volunteer who receives non-salaried compensation for services covered?
Only if travel is authorized by and at the expense of the university and the volunteer is conducting research on behalf of the university.7. If I go on sabbatical, during which time I am not on the payroll, am I covered?
Coverage is provided if one is on official leave due to being granted a sabbatical. Family members, however, must purchase their own coverage.8. Is staff working at a foreign university during a one-year leave of absence covered?
They are not covered by the program and should consider purchasing the appropriate coverage or consult with their health care provider.9. When does coverage begin and end?
Coverage begins upon arrival at first touchdown site and is within 72 hours of beginning one's employment at the jobsite. Coverage is also included for up to 72 hour of personal excursion before, during and after a business trip. If additional time is needed for personal travel the employee may purchase additional coverage through a travel assistance provider such as International Scholastic Overseas Services or Hinchcliff.10. As any employee of the UW, do I have the coverage for personal travel?
No, coverage must be purchased for personal travel. However, one will receive coverage for up to 72 hours of personal travel before, during and after a UW business trip.11. When personal travel is combined with business travel, how does coverage apply?
Coverage is provided for up to 72 hours of personal excursion before, during and after a business trip.12. What do I carry or how do I prove I have coverage?
Consult with Christopher Paquet, Risk Manager. He will furnish you with a MEDEX card, which you are to carry with you. The card will have the necessary phone numbers should they become necessary. Carry your regular health insurance card with you too.13. Does coverage cease immediately after an UW employee leaves employment or is there a grace period?
Coverage ceases immediately when an employee leaves UW employment.14. What do I do in a medical emergency while traveling overseas?
Call the telephone number on your MEDEX card. MEDEX is to be informed as soon as possible. They are experienced in areas pertaining to who to contact for medical attention and if need be, who to contact for medical evacuation. They will make the necessary arrangements for you. As mentioned earlier, carry your regular health insurance card with you.
MEDEX operates a twenty-four (24) hour, seven (7) days a week, toll-free, emergency telephone assistance service. To access the emergency assistance services while traveling, please call on of the following emergency telephone numbers:
1-800-527-0218 (From within the U.S., Canada, Puerto Rico or U.S. Virgin Islands); or
From anywhere else in the World:
1-410-453-6330 (US); or 44-1-273-223000 (UK) Call collect if necessary.
In the event of a travel-related emergency, MEDEX will provide the following emergency assistance services:
Call MEDEX if you are away from home and:
- Special assistance in replacing lost or stolen travel documents, including passports.
- Emergency funds transfer.
- Special assistance in locating the nearest, most appropriate medical care.
- Verification of insurance coverage facilitating entry and admissions into hospitals and other medical care providers.
- Assistance in establishing contact with family, personal physician and employer as appropriate.
- Special assistance in the coordination of direct claim payment.
- Management, arrangement and coordination of emergency medical transportation and evacuation as necessary.
- Translation services and referrals to local interpreters as necessary.
- Location of knowledgeable legal referral assistance.
- Courtesy assistance in securing incidental aid.
- Coordination securing bail bonds and other legal instruments.
In an emergency, go immediately to the nearest physician or hospital. Contact the nearest MEDEX ASSISTANCE CENTER. Be prepared to give your name, ID number and a brief description of your problem.
- You are involved in an accident requiring medical treatment.
- You have difficulty locating medical care.
- You have a medical problem and require translation services.
- You have any other serious travel difficulties.