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Alliance Abroad Insurance Resource for Programs in the USA

Welcome to the Alliance Abroad Insurance Resource. This resource is intended to help insured participants, leaders and sponsor families know who to contact in the event the insurance is needed.

Participants, leaders and sponsor families can also download and print necessary insurance documents such as the Claim Form, I.D. cards and the master policy which gives the details of coverage and exclusions.

Bulstrad Life Insurance
Policy #: 500484
Underwritten by: Bulstrad Life (part of the Vienna Insurance Group)

Alliance Abroad Group has partnered with Bulstrad Life to provide you with emergency medical insurance during your program. Medical care in the United States is very expensive, and we want to be sure that you can receive good care if you need it. You will be calling CORIS International Assistance Company to help you with any of your insurance or medical needs. They will help you find and make appointments with doctors who are part of their worldwide network. They also process your claims.

How do I use my insurance? Click here
Claim Form: Click here
Master Policy: Click here
I.D. Card: Click here
Winter Ski coverage: Click here

How do I use my Insurance?

Who to call?
Why do I need pre-approval?
What is covered?
What is not covered?
When does my insurance begin and end?
What will I have to pay when I go to the doctor?
What do I need to bring with me when I go to the doctor or hospital?
What if the doctor will not accept my insurance?
How do I get ski insurance?
Master Policy
Claim Form
I.D. Card

Who do I call?

If I am in the USA, I must call CORIS Assistance Company at: 1-800-358-9105

If I am in other countries, I must call:
+359-2-950-5010
+359-2-950-5011
(replace the + with the access number for long distance calls
of the country you are in)

Why is it important to call before treatment?

1. Pre-approval is required for all medical treatments and hospitalizations. Failure to do so will cause a reduction in coverage reimbursements, up to and including a denial of coverage. In a medical emergency, you need to call as soon as possible after seeking treatment.

2. The Claims Office will let you know what coverage is authorized and will help you make an appointment with cooperating doctors who accept this insurance. They will also help you decide if you should be going to a clinic, doctor or hospital for treatment.

3. WHY do you require pre-approval? The cost for medical care in the U.S. is very high if the doctor is not part of the network, so you need to let us help you find a doctor in the network.

What does my insurance cover?

You have limited coverage for:

• Illness
• Injury
• Medical Evacuation
• Repatriation

Certain limitations may apply to your policy.

Your coverage does not include:

• Pre-existing conditions, including any illness that begins before your arrival in the destination country (e.g. asthma or diabetes).
• Routine medical check-ups
• Dental and eye care
• Injuries from hazardous activities, including rock climbing, sailing, diving and skiing (ski insurance may be purchased separately).
• Psychiatric care
• Physical therapy

When does my insurance begin and end?

J-1 Work and Travel Visa program participants: Your coverage begins upon either your arrival in the U.S. or the day before your start date on your DS 2019 form, whichever occurs later. Coverage ends either upon your arrival back in your home country or the day after the end date on your DS 2019 form, whichever occurs earlier. You are not insured for the 30 days of travel at the end of your program. If you wish to purchase additional insurance for this time, please contact AAG at least one month in advance.

For H-2B and Q-1 visa program participants: Your coverage begins upon either your arrival in the U.S. or the day before your approval date on your USCIS approval notice, whichever occurs later. Coverage ends either upon your arrival back in your home country or the day after the end date on your last USCIS approval/extension notice from an AAG employer, whichever occurs earlier.

What will I have to pay when I go to the doctor or hospital?

You are responsible for a ‘deductible’ each time you are using any covered services. This is the amount that you are responsible for paying for services at the time of the visit.

Doctors and Clinics:

• $50 deductible for the first visit
• $25 for each follow-up visit per illness or event.

For any emergency room visit:

• $250 deductible
• This amount will be lowered to $50 if you are admitted to the hospital.

What do I need to bring with me when I go to the Doctor or Hospital?

J-1 Visa Programs:

You should always bring your insurance card, photo identification and your DS2019 form.

H-2B and Q Programs:

You should always bring your insurance card, photo identification and a copy of your I-94 card.

What if the Doctor/Hospital does not recognize or will not accept this insurance?

If you have received pre-approval and guidance from CORIS, you will not have a problem.

Ask the Doctor’s office to call:

1-800-358-9105 (in the USA) or +359-2-950-5010, +359-2-950-5011 (in other countries) to speak with a CORIS representative. If they absolutely refuse to accept this insurance, you will need to pay the bills yourself and then use a claim form (also found on the website) to seek reimbursement from Bulstrad Life.

I want to go skiing during my program. Am I covered if I have an accident?

Alliance Abroad Group travel insurance does NOT cover recreational skiing, so if you think that there is any chance that you will be skiing during your program, we strongly encourage you to buy this low-cost ski insurance.

Cost: $20 per month

Terms and Conditions:

1. This insurance is a supplement to your standard Bulstrad Insurance, and all terms apply, including deductible.

2. If your job is at or near a winter resort area (with skiing opportunities), you can buy this ski insurance before or during your program.

3. If your job is not in a winter resort area, you may only buy this ski insurance before your program start date!

4. This ski insurance coverage is valid only the dates of your program (DS- 2019 form dates).

5. This ski insurance is not retroactive; if you buy it once your program date has started, the ski insurance fee is non-refundable in any case.

- your first name and last name
- your AAG ID number
- the name on the credit card
- the billing address
- your phone number
- the credit card type (Visa, Mastercard, others)
- the credit card number
- the security code (last 3 digits on the back of the credit card)
- the expiration date