InterExchange | Camp Upgrade

Included as part of your Camp program, you will be enrolled in the “Standard” Camp insurance plan providing you with all the core benefits you will need when abroad. If you would like to increase your insurance coverage you have the opportunity to upgrade your insurance plan to the “Premium” Camp insurance plan, which offers a much higher level of coverage and lower out of pocket expenses.

Benefits of upgrading:
  • Increase your coverage to $1,000,000
  • Lower deductible per injury/illness
  • 100% coinsurance, even outside of the PPO network
  • A range of additional benefits, not included in the Standard plan

Here is a comparison of the two plans:

Plan Benefits Standard Plan Premium Plan
Policy Maximum $100,000 $1,000,000
Deductible $150 per injury/ illness $25 per injury/ illness
ER Deductible $250 for illness and not admitted $250 for illness and not admitted
Coinsurance In-Network: After You pay the Deductible, the plan pays 100% to the selected Medical Maximum.
Out of Network: After You pay the Deductible, the plan pays 80% of the next $5,000 of eligible expenses, then 100% to the selected Medical Maximum.
After you pay the Deductible, the plan pays 100% to the Medical Maximum
Outpatient Medical Expenses 100% of usual, reasonable and customary 100% of usual, reasonable and customary
Hospital Room and Board 100% of usual, reasonable and customary 100% of usual, reasonable and customary
Intensive Care 100% of usual, reasonable and customary 100% of usual, reasonable and customary
Prescription Medications 100% of usual, reasonable and customary 100% of usual, reasonable and customary
Local Ambulance 100% for injuries
100% for illness when admitted
100% for injuries
100% for illness when admitted
Dental (Accident Coverage) 100% to Medical Maximum 100% to Medical Maximum
Dental (Sudden Relief of Pain) $200 limit $200 limit
Emergency Medical Evacuation/Repatriation $50,000 (in addition to the Medical Maximum) $100,000 (in addition to Medical Maximum)
Return of Mortal Remains $25,000 $50,000
Assistance Services Included Included
Benefit Period 180 days 180 days
Emergency Reunion No Coverage $4,000
Accidental Death and Dismemberment No Coverage $50,000
Interruption of Trip No Coverage $5,000
Mental Illness No Coverage Inpatient — Payable 80% up to $1,500 (max 30 days)
Outpatient — Payable 80% up to $500
Physical Therapy No Coverage $100 per visit (10 visits max or $1,000 max)
Personal Liability No Coverage $100,000 ($25,000 Property Damage)

If you would like to purchase the higher coverage, you can do it anytime before you depart your home country and right up until the day of your orientation in the USA. After that point, you will not be able to increase your coverage!

The cost to upgrade is $160, and will cover you for 4 months. Please include the dates you need coverage for in the comments section of the payment form.

Upgrade

Student Zone

Learn more about using and managing your international insurance plan:
24-Hour Assistance:

Toll-free: (877) 702-6767
Direct: + 1 (317) 582-2622