The U.S. Department of State requires all J-1 High School Exchange Students to have health insurance covering at least USD 100,000 in medical expenses per accident or illness, USD 50,000 for medical evacuation, USD 25,000 for repatriation, and a maximum deductible of USD 500 per case. The Erika Insurance, included in the program price, exceeds these requirements by offering unlimited coverage for medical expenses, emergency evacuation, and repatriation, ensuring maximum protection throughout the exchange year.

Safety is our top priority, for you, your parents, and your host family. That’s why your insurance is tailored specifically for an exchange year in the U.S. and for the American healthcare system. EF teams are trained to support you if something happens, and we work directly with the Erika Insurance team. We know the coverage, the process, and exactly who to contact, so you’re fully supported when you need it.

Your insurance works within the Aetna network, one of the largest healthcare networks in the U.S. This means that if you visit a medical provider within the network, there’s no need to pay upfront. Bills are handled directly between the provider and the insurance, reducing paperwork and administration for you and your host family.

Though there are certain exclusions and limitations in the policy, it offers extensive coverage. This includes necessary and acute costs for doctor’s visits, hospitalization, prescribed medication, and emergency home evacuation. All sports are also covered.

If you need to return home due to a very serious medical issue or a critical family emergency, your return flight may be covered. If your program has to be interrupted completely, the unused part of the EF program fee will be refunded.

Insurance with Erika Ltd. is included as part of your program. If you choose to opt out, you’ll need to provide proof of alternative insurance that meets U.S. Department of State requirements. The documentation must be submitted to EF and will be reviewed to ensure it complies with all regulations. If approved, the cost of the insurance will be deducted from your program price.