Study Abroad

If you’re participating in a study abroad or exchange program affiliated with SUNY, you must be adequately insured.

On this page:

Faculty and Staff

Visit our Faculty and Staff Going Abroad page to learn about available coverage.

Coverage Requirements

Students must have comprehensive coverage that will directly pay international providers for emergency and non-emergency services for the duration of the program. This policy is in accordance with SUNY health insurance requirements.

Enrollment and Billing

Students going on official Study Abroad programs will be automatically enrolled and their student account billed for the UnitedHealthcare Student Resources (UHCSR) Study Abroad insurance once the roster of participants is received. The welcome email with login and ID card access instructions will be sent to your @buffalo.edu email prior to departure. If you are not a University at Buffalo student but are participating in a UB study abroad program, the welcome email will be sent to the email address on file with the Study Abroad Office.

Enrollment and payment should be received at least two weeks before the travel date.

International Students

International students going abroad who are enrolled into the UHCSR insurance meet the SUNY study abroad insurance requirements. If you waived out of this insurance, you will be enrolled and billed for the study abroad insurance for the duration of your trip.

Request a Waiver (If You Have Your Own Health Insurance)

If you believe you have adequate private coverage, you may request a waiver to opt out of the health insurance.

In order to be approved for a waiver, you must have coverage that will directly pay international providers for emergency and non-emergency services.

Before you request a waiver, call the customer service department of your insurance company and ask questions such as:

  • Will my coverage directly pay international providers?
  • How do I find a doctor in the country I will be staying in?
  • Am I covered for emergency and non-emergency medical care abroad?

If you meet this criteria, please contact our office to request a waiver.

Internships, Research, Medical Rotations and Other Programs

Students going abroad for internships, research, medical rotations, or other University-sponsored programs are required to be adequately insured to SUNY standards (typically by enrolling in international health insurance through SUNY). Program coordinators and/or advisors should contact the Student Health Insurance office to register all trips abroad.

Medical Evacuation and Repatriation Coverage

All study abroad participants must carry medical evacuation and repatriation coverage, in addition to emergency and non-emergency coverage that will directly pay international providers. This applies to official study abroad programs, as well as students going abroad for internships, research, medical rotations, or other University-sponsored programs.

Medical evacuation benefits provide for the arrangement and payment of medical and travel expenses to the nearest appropriate facility, or return home, if you are seriously ill or injured. Repatriation benefits cover expenses related to the preparation and return of remains to the family in the event of death abroad.

Medical evacuation and repatriation coverage is already included as a benefit if you are enrolled in the full SUNY international insurance plan.

Returning to UB After Being Abroad

If you return to UB as a full-time student after your study abroad (including official study abroad programs and other university-related trips abroad), you will be charged for the insurance (through UB for domestic students, and through SUNY for international students) in the semester you return, unless you have an approved waiver on file. Approved waivers are typically valid for one academic year (if approved in the fall), or one semester (if approved in the spring).

For example, if you have a waiver approved in the fall, and you are studying abroad in the fall and return within the fall semester, you do not need to submit another waiver for the fall or spring semesters. However, if you do not have a waiver, and you study abroad in the fall and return within the fall semester, you will be charged for insurance (through UB for domestic students, and through SUNY for international students) for the fall and spring semesters.

* The University at Buffalo is committed to ensuring equal access to information that is presented online. As part of this commitment, university web content must be accessible to everyone, including individuals with physical, sensory, or cognitive impairments, with or without the use of assistive technology. If you encounter an accessibility issue when completing this form, please contact the health insurance office.

Contact and Get Help

General Questions and Concerns

1 Capen
University at Buffalo
Buffalo, NY 14260-2100

Phone: (716) 645-3036; Fax: (716) 645-3948

Insurance Provider

Domestic Students

For specific questions about your domestic plan and including providers, benefits, coverage and claims.

257 West Genessee St
P.O. Box 80
Buffalo, NY 14240-0080

Phone: (800) 888-0757; Fax: (716) 887-2041

International Students and Scholars

For questions about your plan (international students and scholars only)

UnitedHealthcare Student Resources

Inbound w/ SHC Policy #2019-203422-41
; OPT/J1 Policy #2019-203422-44
; Study Abroad Policy #2019-203422-43

Dependent Enrollment Forms and General Inquiries
2301 West Plano Parkways - Suite 300
Plano, TX 75075

Phone: (888) 714-6544

UnitedHealthcare Student Resources

Inbound w/ SHC Policy #2019-203422-41
; OPT/J1 Policy #2019-203422-44
; Study Abroad Policy #2019-203422-43

Claims
UnitedHealthcare Student Resources
P.O. Box 809025
Dallas, TX 75380-9025

Phone: (888) 714-6544

Waivers

Domestic Students

For domestic students; only for waiver requests or to terminate your coverage.

500 Victory Road
Quincy, MA 02171

Phone: (877) 231-9757; Fax: (617) 479-0860

International Students and Scholars

1 Capen
University at Buffalo
Buffalo, NY 14260-2100

Phone: (716) 645-3036; Fax: (716) 645-3948