International Health Insurance Information

International students enrolled in courses at WOU are required to have health and accident insurance coverage for themselves and their dependents living in the United States, as per Oregon Administrative Rule #574-035-0005.

Health insurance is mandatory for all active international students enrolled in courses at WOU, including the summer term. The only exception is for students with Government-Sponsored Medical Insurance provided by their home government. 

For students on a qualified break (after completing 9 consecutive months of study), students may:
  – Request enrollment in the international insurance plan by contacting the OIED.
  – Acknowledge the risk of remaining in the U.S. without insurance and accept full responsibility for any medical costs incurred during the uninsured period.

WOU partners with Gallagher to offer a health plan that meets immigration and Oregon State requirements. If you don’t have government-sponsored insurance, you’ll be automatically enrolled and charged for this international insurance plan each term.

Gallagher offers a detailed website where you can create an account to track claims, print ID cards, submit claim forms, find doctors, and more. Enrolled students should create an account here. Be sure to have your student ID number ready when creating your account.

Waiver Information

If you enroll in another international insurance plan, you may be eligible for a waiver each term. You are required to provide proof of coverage that meets specific requirements:

• Medical Benefits of $100,000 per condition maximum
• Repatriation of Remains of at least $25,000
• Medical Evacuation to your home country for $50,000
• A deductible not exceeding $500 per condition
• Pre-Existing Condition waiting period as determined by industry standards
• Coverage available in the U.S. with a physical U.S. based office

If your plan meets all the requirements, the petition to waive the WOU international insurance plan will be approved and you’ll receive a credit to your account for the current term. If the policy does not meet the requirements, the petition will be denied and your account will be charged for the WOU international insurance plan.

Students are encouraged to ensure their policy meets all the requirements before buying an outside policy, which prevents them from paying for two if the waiver is not approved

You can download the International Insurance Waiver Form or pick up a form at the OIED. For questions, please email global@wou.edu.

 Please note:

* If you have any special medical needs during your stay at WOU, please notify the OIED before your arrival. Also, if you are currently taking any prescription medications or wear contact lenses or eyeglasses, you should bring a copy of your prescription with you to the U.S. in case you need to have it refilled while you are here.

Frequently Asked Questions Health Insurance Plan

myHealth Mobile App Students

2023-2024 PURMIT International Travel Insurance Brochure