Collegiate Care Gold

Product Plan Overview

Collegiate Care Plans provide coverage to you when you are temporarily residing outside your home country or country of permanent residence and actively engaged in education or research activities in the USA. Your spouse and dependent children are also eligible for coverage if they are accompanying you and enrolled in your plan. As an international, you are considered “actively engaged“ in education, teaching, or research activities if you are one of the following: undergraduate registered for and attending classes on full time basis; graduate student; student involved in education, educational activities, or research related activities; scholar; researcher; or teacher who is invited by an educational organization. For students to be eligible you must be actively attending classes for at least the first 31 calendar days after the date for which your coverage is purchased. Home study, correspondence, internet classes, and television courses do not fulfill the eligibility requirements of Collegiate Care Plans. You must be enrolled to cover your spouse and/or children. Proof of eligibility is required at the time of a claim. Permanent residents (green card holders) and US Citizens are not eligible for this Plan. It is only available for internationals while in the USA. Please be sure to check the benefits and policy exclusions on your personalized policy documents and make sure they fit your visa/school requirements. Upon effective date - this plan is fully earned and non-refundable. There are no partial refunds.

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Please review the individual product plan inclusions and information below. Click on any heading and the information will display below.

Minimum 3 month Purchase required Collegiate Care Gold - In Network      Collegiate Care Gold - Out of Network     
Maximum for all Medical Expense Per Injury or Sickness

$250,000 per Sickness or Injury Student - $100,000 per Sickness or Injury Dependents

$600,000 Annual Maximum

$250,000 per Sickness or Injury Student - $100,000 per Sickness or Injury Dependents

$600,000 Annual Maximum

Deductible - Per Injury or Sickness $40 if first treated by the Student Health Center $90 if not first treated by the Student Health Center $40 if first treated by the Student Health Center $90 if not first treated by the Student Health Center
Coinsurance Refer to below for specifics Refer to below for specifics
Maximum Benefit Period 13 weeks from the date first treated 13 weeks from the date first treated
1) Physician Visit (Inpatient) or Outpatient 100% of the Preferred Allowance up to $60 maximum; 1 visit per day 30 visits maximum 60% of URC up to $60 maximum; 1 visit per day 30 visits maximum
2) Specialist Visits 100% of the Preferred Allowance up to $60 maximum; 1 visit per day 30 visits maximum 60% of URC up to $60 maximum; 1 visit per day 30 visits maximum
3) Consultation Fee 100% of the Preferred Allowance up to $400 maximum benefit 60% of URC up to $400 maximum benefit
4)Hospital Room & Board

100% of the Preferred Allowance up to $1,300 per day maximum,

30 days per Occurrence, subject to a $100 Co-Pay

60% of URC up to $1,300 per day maximum,

30 days per Occurrence, subject to a $100 Co-Pay

5) ICU Room and Board:

100% of the Preferred Allowance up to $1,825 per day maximum 

8 days per Occurrence subject to a $100 Co-Pay

60% of URC up to $1,825 per day maximum

8 days per Occurrence subject to a $100 Co-Pay

6)Hospital Miscellaneous 100% of the Preferred Allowance up to $500 maximum; 30 days maximum per Occurrence to include services and supplies such as: the cost of the operating room; laboratory tests; X-ray examinations; anesthesia; drugs (excluding take-home drugs) or medicines; therapeutic services; and supplies; and blood and blood transfusions. 60% of URC up to $500 maximum; 30 days maximum per Occurrence to include services and supplies such as: the cost of the operating room; laboratory tests; X-ray examinations; anesthesia; drugs (excluding take-home drugs) or medicines; therapeutic services; and supplies; and blood and blood transfusions.
7a) Surgeon (In or Outpatient) 100% of the Preferred Allowance up to $4,000 maximum 60% of URC up to $4,000 maximum
7b) Day Surgery – Outpatient 100% of the Preferred Allowance up to $1,000 maximum 60% of URC up to $1,000 maximum
8) Assistant Surgeon 100% of the Preferred Allowance up to 25% of the Surgeon Allowance 60% of URC up to 25% of the Surgeon Allowance
9) Emergency Room

80% of the Preferred Allowance

$300 Co-Pay, waived if admitted

60% of URC

300 Co-Pay waived if admitted

10) Pre-Admission Testing – within 3 days of admission 100% of the Preferred Allowance up to $900 maximum 60% of URC up to $900 maximum
11) Anesthesia 100% of the Preferred Allowance up to 25% of the Surgeon Allowance for pre-operative screening and administration of anesthesia during a surgical procedure 60% of URC up to 25% of the Surgeon Allowance for pre-operative screening and administration of anesthesia during a surgical procedure
12) Diagnostic X-Ray and Lab 100% of the Preferred Allowance up to $500 maximum; Cat Scan, PET Scan or MRI up to $850  60% of URC up to $500 maximum; Cat Scan, PET Scan or MRI up to $850
13) Physiotherapy – Inpatient or Outpatient 100% of the Preferred Allowance up to $35 per visit, 1 visit per day, 12 visits maximum 60% of URC up to $35 per visit, 1 visit per day, 12 visits maximum
14) Ambulance Benefit 100% of the Preferred Allowance up to $400 maximum 60% of URC up to $400 maximum
15a) Mental & Nervous Conditions Inpatient 100% of the Preferred Allowance 30 days maximum 60% of URC 30 days maximum
15b) Mental & Nervous Conditions Outpatient 40 visits per year at 100% of the Preferred Allowance up to $5,000 maximum, per Period of Insurance 40 visits per year at 60% of URC up to $5,000 maximum, per Period of Insurance
16) Alcohol and Drug Abuse In-Patient or Outpatient 40 visits per year at 100% of the Preferred Allowance up to $5,000 maximum, per Period of Insurance 40 visits per year at 60% of URC up to $5,000 maximum, per Period of Insurance
17) Emergency Dental 100% of Preferred Allowance up to $500 maximum 60% of URC up to $500 maximum
18) Prescriptions $100 per Period of Insurance  N/A
19) Durable Medical Equipment 100% of the Preferred Allowance up to $1,000 maximum 60% of URC up to $1,000 maximum
20a) Emergency Medical Evacuation or Repatriation 100% of actual expense up to $120,000  N/A
20b) Return of Mortal Remains 100% of actual expense up to $60,000  N/A
21) Emergency Reunion 100% of actual expense up to $10,000  N/A
22) Maternity and Pre-natal Care (Conception must occur while covered under the current policy) 100% of Preferred Allowance up to $7,500 maximum for normal delivery; $10,000 for c section delivery 60% of UCR up to $7,500 maximum for normal delivery; $10,000 for c section delivery
23) Radiation/Chemotherapy 100% of Preferred Allowance $1,000 maximum 60% of URC up to $1,000 maximum
24) Home Country Coverage Up to $500 per Period of insurance for services rendered in your home country during the coverage period  N/A

Accidental Death Benefit– the plan pays $20,000 when your death occurs as a result of accidental injury. Loss of life must result within 90 days of the date of the accident causing such loss. Your coverage under the Policy must be in force on the date of the accident and when loss of life occurs.

Dismemberment Benefit - up to $7,500 If you sustain accidental injury that results in loss of a limb or sight the plan will pay the portion of the Principal Sum shown below. Loss must occur within 90 days of the accident causing such loss.   In the event of more than one loss only one sum, the largest, will be paid.


  • Up to $500 for expenses incurred in your home country per Period of Insurance 
  • Incidental Trips to your Home Country during the school year are covered
  • 24-Hour Worldwide Assistance Service
  • Refund Provision -  Upon effective date, this plan is fully earned and non-refundable. There are no partial refunds.