As a participant of an ODU study abroad program, you are automatically enrolled in a supplemental health insurance plan through HTH Worldwide Services. If you are participating in a co-sponsored program that requires you to participate in their health insurance, you will not be enrolled in ODU’s HTH policy. This will be confirmed by the International Office.
Once accepted to a study abroad program, you will receive a description of HTH benefits and covered medical expenses. In addition, you will receive an insurance card prior to your departure. Please carry this insurance card with you at all times while you are overseas.
The HTH study abroad policy has a lifetime maximum of $1,000,000 and a maximum of $100,000 per year and per injury/illness. There is no deductible. To learn more about the HTH study abroad policy, you may download a copy of the brochure. After you are enrolled with HTH, you will also be able to access the policy brochure at www.hthstudents.com.
Once enrolled with HTH, you will be assigned a personal ID number (Certificate Number). This number will be on your ID card and may also be accessed through the International Office. Upon receipt of this number, please log on to www.hthstudents.com to register and have access to the HTH tools, services, and benefit information. You will need to enter your personal HTH Worldwide ID number to register at this website.
Parents can access information about HTH Worldwide by visiting: www.hthparents.com.
If you are in need of non-emergency medical care overseas, first contact your Resident Director who can help you locate a medical facility. If you are able to access the internet, please log on to www.hthstudents.com to locate a physician near you. HTH has already identified and certified physicians who can provide medical care in most of our study abroad destinations. If you have difficulty locating medical care, contact HTH directly through the phone number on your ID card for 24/7 service and assistance. Always contact HTH in the case of emergency or have someone else contact them on your behalf.
If you seek medical care from an HTH provider, then the cost of your medical care will be paid directly by HTH. There is no deductible and no co-payment or out-of-pocket cost for your medical care. However, you will need to pay for prescription medicine out-of-pocket. Collect all receipts, and submit them along with a completed HTH claim form directly to HTH upon your return to the U.S.
If you are unable to receive care from an HTH provider and must see another provider, please contact HTH to see if the provider will accept payment from HTH. You may need to pay costs out-of-pocket. Collect receipts for every service provided and then submit the receipts and a completed HTH claim form directly to HTH after you return to the U.S. You are advised to bring a credit card with you for medical emergencies.
Your HTH Worldwide supplemental health insurance is in effect for the duration of your study abroad program only. If you plan personal travel before or after your program, you are advised to obtain health insurance that covers you for medical care while overseas. You can choose the HTH coverage for your extended stay at additional cost or the International Office can make other recommendations for you if necessary.
