We use Envisage Global Insurance to cover our students during their study trip. All details below refer to the Envisage and Tokio Marine HCC policy. The insurance covers from one day before the course starts until one day after the course ends. Students have the option to extend coverage for an additional fee. Please note that this coverage is not available to students over 50 years old. Insurance details will be sent to students before arriving in Japan. If you are unsure of any of the details, then please get in touch.
For claims and any questions regarding the insurance, students are required to directly contact the insurance company.
Overall Maximum Limit and Maximum per Injury/ Illness
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$3,000,000
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Deductible
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$0 per certificate period
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Coinsurance
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We will pay 100% of eligible expenses after the deductible up to the overall maximum limit.
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Hospital Room & Board
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Average semi-private room rate, including nursing services
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Intensive Care Unit
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Up to the overall maximum limit
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Local Ambulance
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Usual, reasonable and customary charges for covered illness or injury. Illness must result in hospitalization as inpatient.
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Outpatient Physical Therapy and Chiropractic Care
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Up to $50 maximum per day. Must be ordered in advance by a physician. $1,500 certificate maximum – not subject to coinsurance
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Dental Treatment due to Accident
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Up to $500
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Emergency Dental (Acute Onset of Pain)
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$200
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Sports Coverage
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“Usual, Reasonable, and Customary charges (Non-contact and non-organized/non-sanctioned amateur sports or athletic activities not otherwise excluded herein, engaged in by you solely for leisure, recreational, entertainment or fitness purposes)”
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Mental health disorders
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Outpatient: Up to $50 per visit/$500 certificate.
Inpatient: Up to $20,000 |
All other Eligible Medical Expenses
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Up to the overall maximum limit
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Emergency Medical Evacuation • Not subject to Deductible or Overall Maximum Limit |
Up to $50,000 lifetime maximum. |
Repatriation of Remains • Not subject to Deductible or Coinsurance • This limit is for this benefit only and is not included in or subject to the overall maximum limit |
Up to $25,000 lifetime maximum |
Emergency Reunion • Not subject to Deductible or Coinsurance |
Up to $1,000 subject to a maximum 15 day following a covered life-threatening bodily injury or life- threatening illness that results in admission to a hospital intensive care unit. |
Trip Interruption *Not subject to Deductible or Coinsurance | Up to $1,500 |
Lost Checked Luggage *Not subject to Deductible | Up to $250 |
Accidental Death & Dismemberment (Excludes loss due to Common Carrier Accident) • Not subject to Deductible, coinsurance or Overall Maximum Limit |
Ages 18 and above: Lifetime Maximum – $10,000 Under age 18: Lifetime Maximum – $5,000 |
Personal Liability **Personal Liability is not subject to Deductible, coinsurance or Overall Maximum Limit |
Lifetime maximum – $100,000
Third person injury – Up to $100,000 Third person property – Up to $100,000 Related third person property – Up to $2,500 |
Plan Exclusions
Please note: this page is a consolidated summary of the plan benefits, the official policy certificate is available in the student zone once becoming a participant of the program, and will be the overriding document for claims adjudication. Any discrepancies between this page and the policy certificate, the policy certificate will override this page.