What to Do if You Get Sick Abroad: A Student’s Guide
Every year, 1 in 3 international students needs medical care while abroad — from a €30 GP visit for the flu to a $10,000+ ER bill in the USA. Knowing the emergency number (112 in the EU, 911 in the USA/Canada, 000 in Australia), having your insurance card ready, and understanding direct billing vs. reimbursement saves you time, money, and panic. Here is the step-by-step plan.
Step 1: Assess the Situation
Check our destination guides for country-specific healthcare details.
Emergency (Call NOW)
- Severe chest pain or difficulty breathing
- Heavy bleeding that won’t stop
- Loss of consciousness
- Severe allergic reaction
Urgent but Not Life-Threatening
- High fever (above 39°C)
- Suspected broken bone
- Deep cut that may need stitches
Non-Urgent
- Cold, flu, or mild fever
- Minor aches and pains
Emergency Numbers by Country
| Country | Emergency Number |
|---|---|
| 🇩🇪 Germany | 112 |
| 🇺🇸 USA | 911 |
| 🇬🇧 UK | 999 |
| 🇦🇺 Australia | 000 |
| 🇨🇦 Canada | 911 |
| 🇫🇷 France | 15 / 112 |
| EU-wide | 112 |
Step 2: Find a Doctor
Option A: Your Insurance’s Doctor Finder
Check your insurer’s website or app for in-network doctors.
Option B: University Health Center
Your first stop for non-emergencies. Most universities have on-campus health centers.
Option C: Ask for Recommendations
Ask fellow international students or your International Students Office.
Step 3: Prepare for Your Visit
What to Bring
- Insurance card
- Passport or ID
- List of current medications
- Medical history summary
Step 4: File an Insurance Claim
If you paid for treatment yourself:
What You’ll Need
- Original receipts/invoices
- Medical report
- Prescription copies
- Proof of payment
How to Submit
- Mobile app (fastest)
- Online portal
When to Go Home
In rare cases, you may need repatriation for serious conditions. Contact your insurance’s 24/7 hotline.
Don’t wait until you’re sick to figure this out. Review your coverage now.
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