The Collegiate Care OPT Plan is an International Travel Medical and Evacuation & Repatriation Insurance Plan created specifically OPT (Optional Practical Training) students and their families studying or teaching in the US, ages 5-50, and enrolled in an associate, bachelor, master, or Ph.D. program at a university or other accredited higher education institution outside of their Home Country.

Plan Highlights

  • United Healthcare PPO Network
  • $1,000,000 maximum/sublimits apply
  • $250 per Insured Person In Network Deductible
  • $250 per Insured Person Out of Network Deductible
  • Coinsurance: 80% of Preferred Allowance/ Out of Network Provider 60% Usual & Customary
  • Copayments: Physician/Specialist Visit: $50 Urgent Care Center: $50 Hospital per Admission: $350 Emergency Room: $350
  • Prescription Medications $2,000 per period of insurance/ 80% of charges
  • Plan covers 100% of the Preferred Allowance
  • Maternity -Not Covered
  • COVID-19 EXPENSES are covered and treated as any other sickness
  • Emergency Treatment of a Pre-Existing Conditions up to $25,000
  • Medical Evacuation and Repatriation $100,000 Maximum per Period of Insurance
  • Return of Mortal Remains $100,000 Maximum per Period of Insurance
  • See plan documents for full details

Benefits of Coverage

Medical Benefits
Medical Maximum
$1,000,000 - Sub limits apply
  • Coverage Area: Worldwide, excluding Home Country
  • Home Country Coverage per Period of Insurance: None
The Deductible for In-Network does not accrue towards the Out-of-Network Deductible
  • In-Network Provider: $250 per Period of Insurance
  • Out-of-Network Provider: $250 per Period of Insurance
Copayments do not apply to the Deductible or the Out-of-Pocket Maximum
  • Physician/Specialist Office Visit Copayment: $50 Per Visit
  • Hospital Copayment per Admission: $350
  • Urgent Care Center Copayment: $50 per Visit
  • Emergency Room Visit Copayment (waived if admitted): $350 per Visit
In-Network 80% of Preferred Allowance/ Out-of-Network 60% Usual & Customary
Out-of-Pocket-Maximum per Period of Insurance
The deductible does not apply to the Out-of-Pocket Maximum
  • In-Network: Unlimited per Insured Person
  • Out-of-Network: Unlimited per Insured Person
Acute Onset of a Pre-Existing Condition
In-Network 80% Preferred Allowance Out-of-Network 60% UCR
  • Maximum Benefit per Period of Insurance: $25,000
Emergency Dental
Limited to accidental Injury of sound natural teeth sustained while covered In-Network 80% Preferred Allowance Out-of-Network 60% UCR
Palliative Dental Care
In-Network 80% Preferred Allowance Out-of-Network 60% UCR Maximum Benefit per Period of Insurance: $500
Prescription Medications
80% of charges/Maximum Benefit per Period of Insurance $2,000
  • Up to 31-day supply per prescription
  • Includes oral contraceptives
  • Network pharmacy is required
Medical Evacuation and Repatriation of Remains Benefit
Medical Evacuation and Repatriation $100,000/Return of Mortal Remains $100,000
Not Covered
Emergency Evacuation Benefits
Emergency Reunion
Maximum Benefit: $500 per day, Maximum Benefit per Period of Insurance: $15,000
Protection for Belongings Benefits
Lost Baggage
$50 Deductible applies/Maximum Benefit per Period of Insurance: $1,500 (Limit per item pair $300)
Trip Protection Benefits
Trip Interruption
Maximum Benefit per Period of Insurance: $2,500
  • Covers a one-way economy ticket to return home due to a covered event.
Trip Delay
Maximum Benefit per 24-hour period: $200/Maximum Benefit per Period of Insurance: $1,000
  • If You are delayed, while coverage is in effect, enroute to or from the Trip for 24 hours or more due to a defined Hazard.
Additional Benefits
Accidental Death & Dismemberment
24/7 Non-Insurance Benefits
Maximum Length of Coverage
Up to 364 days
Network Provider
United Healthcare (UHC)
Non Insurance Assistance Services

In the event that you are dissatisfied and wish to make a complaint, you can do so at:

Sanctions Limitations Clause

The Insurer will not provide any cover, pay any claim or provide any benefit under this Plan to the extent that the provision of such cover, the payment of such claim or the provision of such benefit would expose them to any sanction, prohibition or restriction under United Nations resolutions or the trade or economic sanctions, laws or regulations of the European Union, United Kingdom or United States of America.

Disclosure Details

This plan summary contains a description of the insurance benefits provided by the insurance plan you have purchased. The coverage is provided by a group insurance policy issued to the AMD Global Trust by Zurich Insurance Europe AG, Belgian branch. By purchasing this coverage, you have become a participant in the AMD Global Trust and a copy of the subscription agreement is contained herein. Please keep this summary as an explanation of the benefits available. This summary is not intended to be a contract of insurance. Complete provisions pertaining to the insurance coverage are contained in the policy. In the event of any conflict between this plan summary and the policy, the policy will govern. The policy is not designed to cover US citizens or residents, and it is not subject to guaranteed issue or renewal. This insurance is not subject to and does not provide certain insurance benefits required by the United States’ Patient Protection and Affordable Care Act (“PPACA”).

Insurance coverage is not subject to and does not provide certain insurance benefits required by the United States’ Patient Protection and Affordable Care Act (“PPACA”). PPACA requires certain US citizens or US residents to obtain PPACA compliant health insurance, or “minimum essential coverage.” In some cases, certain individuals may be deemed to have minimum essential coverage under PPACA even if their insurance coverage does not provide all of the benefits required by PPACA. You should consult your attorney or tax professional to determine whether the policy meets any obligations you may have under PPACA.

Privacy Statement. We know that privacy is important to you and we strive to protect the confidentiality of non-public personal information. We do not disclose any non-public personal information about our insureds or former insureds to anyone, except as permitted or required by law. We maintain appropriate physical, electronic and procedural safeguards to ensure the security of non-public personal information. You can find a copy of our Privacy Policy here: and Privacy Policy | SureGo Administrative Services (

Data Protection. Please note that sensitive health and other information that is provided to us may be used by us, our representatives, the insurers and industry governing bodies and regulators to process the insurance, handle claims and prevent fraud. This may involve transferring information to other countries (some of which may have limited, or no data protection laws). We have taken steps to ensure the information is held securely. Where sensitive personal information relates to anyone other than you, you must obtain the explicit consent of the person to whom the information relates, both to the disclosure of such information to us and its use as set out above. Information we hold will not be shared with third parties for marketing purposes. Insureds have the right to access their personal records.

By purchasing this insurance provided by Zurich Insurance Europe AG, Belgian branch, you agree to subscribe and become a participant in the AMD Trust and understand that participation in the Trust is a prerequisite to procuring the insurance coverage.