Insurance

Our travel insurance policy provides free emergency assistance and advice, including cover for emergency medical and repatriation expenses, evacuation cost, cancellation and curtailment costs, personal liability and legal expenses.

If you need to make an insurance claim, please ensure that you have read the policy thoroughly and report to the University Insurance Office within 30 days of the date of incident to get your claim form. If you are claiming for medical treatment, please make sure that you have all the medical reports and receipts for your treatment.

Please note that routine dental treatment is NOT covered by the policy.  You should undertake a dental check-up and complete all dental treatment prior to departure.  Emergency dental treatment is covered only if the treatment is deemed to be medically necessary by a medical professional following an accident and the accident occurs outside the mouth.

Please make  sure that you review the University Travel Insurance Leaflet for full details of coverage, paying particular attention to the exclusions section as not all countries are covered. 

Insurance for Cuba

Due to sanctions, AIG are unable to provide full coverage when travelling to Cuba. It is therefore recommended that, if you do wish to travel to Cuba, you take out your own travel insurance policy. The University is unable to provide any advice or guidance in relation to insurance providers or their policies, and we encourage you to carry out your own checks on providers and review carefully the terms of their insurance policies (including, for example, what is covered, what excesses and exceptions apply, etc.) and consult relevant guidance (for example, the guidance on foreign travel insurance on the FCDO site) before purchasing any travel insurance product. Accordingly, the University will not be responsible or liable in respect of any insurance policy you choose to take out.

Travellers to Cuba should also be aware that you may be required to pay all costs upfront and then claim the cost back from insurers when you return home, subject to the terms and conditions and exclusion clauses of your policy. You should make sure that you check whether this is the case with your insurer and carefully consider how you would pay for this.

 

Where to find information and advice on insurance cover

If you travel internationally, you should buy appropriate travel insurance before you go, covering you for existing physical or mental health conditions (including any currently under investigation) and any activities you will be doing whilst you are away.

FCDO Foreign travel insurance: Foreign travel insurance - GOV.UK

ABI Travel Insurance - frequently asked questions: Travel Insurance - frequently asked questions | ABI

ABI guide on choosing the right travel insurance policy: Travel insurance | ABI

The University is unable to provide any advice or guidance in relation to insurance providers or their policies, and we encourage you to carry out your own checks on providers and review carefully the terms of their insurance policies (including, for example, what is covered, what excesses and exceptions apply, etc.) and consult relevant guidance (for example, the guidance on foreign travel insurance on the FCDO site) before purchasing any travel insurance product. Accordingly, the University will not be responsible or liable in respect of any insurance policy you choose to take out. 

Further details can be found at: https://www.staffnet.manchester.ac.uk/insurance/travel/

 

AIG Travel Assistance mobile app 

With increasing travel security and health risks, navigating the world of international travel requires a new level of sophistication in order to stay safe and secure. The AIG Travel Assistance mobile app*, available for Apple and Android devices, will ensure effective travel risk management. Whether it’s prior to travel, during your time abroad, or returning home. The app provides you with convenient access to in-depth travel, security and health information 24/7/365.

Further details on how to get the app can be found AIG Travel Assistance App

 

Making a claim

If you need to make a claim, further details can be found at: Travel | Insurance Office | StaffNet | The University of Manchester

 

Global Health Insurance Card (GHIC)

If you are going to be studying or working in an EU country you will need to apply for a time limited UK Global Health Insurance Card (a student GHIC). This will give you the rights to access state-provided healthcare during your stay. For full information, including how to apply for an GHIC, please click here.

The UK Global Health Insurance Card (GHIC) also lets you get necessary state healthcare in some other countries, on the same basis as a resident of that country. This may be free or it may require a payment equivalent to that which a local resident would pay.

Please Note: The NHS will ask for your overseas address to to be included in the GHIC letter we produce, if you do not have this, you can inform the NHS via email that you do not have your housing confirmed yet.

Each country's healthcare system is slightly different, for more information on what is covered, see this guide to healthcare in the EU.

 

Workplace/Public Liability Insurance.

Before you commit to a work placement, make sure that you understand the insurance in place. Check the following:

• Does your proposed employer have insurance in place to meet any liability they may have to you in the event that you are injured or suffer a serious loss as a result of the employer’s negligence?
• Does your proposed employer have insurance in place to meet any claim made against you whilst acting in the course of your duties or under the employer’s supervision?

If you are not covered by the proposed employer’s insurance, you are unlikely to receive any compensation from your employer if you suffer an injury at work, or to be covered against legal action if someone is accidentally injured by you or if you damage someone else’s property during the course of your work.

 

Stay Connected 

Specific risk information on countries can be found on the following sites:

• Foreign Commonwealth & Development Office (FCDO) Travel Advice - https://www.gov.uk/foreign-travel-advice

• AIG Travel Assistance https://travelguard.secure.force.com/TravelAssistance/ or mobile app “AIG Travel Assistance App”

All students can register themselves onto this site using the University policy number (0010015245).

Contact details for the University Insurance Office:

Email:  insurance@manchester.ac.uk

Tel:  +44(0)161 275 2243