International Partnerships Among Museums 2003-2005 Cycle Confirm Insurance Coverage

Health Insurance

Non U.S. Participants

IPAM automatically enrolls all non-U.S. participants in the Accident and Sickness Program for Exchanges (ASPE) insurance program provided by the U.S. Department of State. Upon arrival in the U.S., participants will receive an ASPE insurance card, valid through the length of their stay, along with information on the program and how to file a claim.

This policy covers medical costs associated with injury or sickness with a $25 deductible for the first visit. Insurance coverage extends from the date participants leave their homes and continues until the time they return by the most direct route. The policy does not cover costs associated with routine checkups, examinations, complications associated with pre-existing conditions, or elective surgery recommended by the visitor's physician at home. Dental is only covered in cases of emergency pain.

Coverage for spouses and eligible dependants and for personal travel outside the funded program is made available through Liaison International, administered by Specialty Risk International (SRI). Participants are responsible for enrolling in this program if desired and can do so online.

U.S. Participant

Museums are responsible for continuing to pay participating employees' salaries and benefits during the exchange cycle. Participants should contact their human resources office or insurance company to obtain information about foreign coverage and procedures for making claims abroad.

Traveler's Insurance

Participants should consider purchasing traveler's insurance to cover things such as lost baggage/personal effects, baggage delay, trip interruption/delay, or emergency evacuation. Contact a local travel agent, the IPAM travel agent, or consult the Traveler's Insurance section of the online Resources for additional information.

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