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SHP Abroad

Using SHP While Abroad

During Study Abroad

All registered travelers on Cornell-related international travel are fully covered – at no cost to the traveler – under Cornell’s accident, sickness, and emergency care insurance plan. Register your Cornell-affiliated travel with Cornell's Travel Registry to qualify for international travel insurance, and to stay connected to emergency communications.

Please visit the Global Cornell website for details. 

During Personal or Recreational Travel Outside the US

Students traveling outside of the United States should secure their own travel assistance plan to use for urgent and emergent medical and mental health needs; to find a doctor or health care facility; or for assistance with medical evacuations or guarantees of payment applicable to their travel location. Some travel assistance plans may offer primary coverage. Gallagher Student Health provides some options for travel assistance plans.

Supplementary SHP Coverage Abroad

In most cases, you will have to pay for care in full at the time the service is provided, and then submit a claim for reimbursement. Be sure to receive an itemized bill and a receipt, including the date of service, diagnosis, and the dollar amount for the visit. You may then submit a claim for reimbursement to Aetna Student Health

For benefits covered by SHP, your cost-share will be at the In-Network provider rate (see your Summary of Benefits and Coverage and Certificate of Coverage for details). Prior authorizations are not needed to receive health care outside of the U.S. *For an accommodation for this PDF, please contact studentbenefits@cornell.edu.

Aetna will reimburse you for charges for covered benefits according to the participating provider care benefit level, minus any applicable co-payments, and will mail you a check directly.

To contact the Aetna Student Health Claims Administrators when you are outside of the United States, please call 617-218-8400 (collect calls are accepted).

Important: If you have a pre-existing condition that will require medical attention while abroad, plan well in advance to ensure you 1) will have adequate access to the necessary treatment; and 2) understand pre-pay requirements and out-of-pocket costs.