Study abroad - St. Andrews, Scotland...need tips

OHMomof2
Sat, 02 Dec 2017 20:40:17 +0000

My D will be abroad next semester as well. With her home insurance she’d have to pay for service then wait to be reimbursed.

I purchased travel insurance that includes medical coverage - it is primary and there is no out of pocket payment required (I know this because we had to use it once, years ago, and that was indeed how it worked). It also covers the travel stuff - lost luggage and so on, but I mainly got it so she’d have instant medical if needed.

You might look into it - it’s Travelex - and if you buy within a certain period of time of flight booking, there are no pre-existing condition exclusions. Not sure if they’d help you with pharmacy or whatever, but you might check.

The study abroad org, if she is going through one, probably has coverage as well.