Preparation for your stay in Granada
Health Insurance Coverage
Questions to consider when acquiring health insurance for study abroad:
Will the plan cover hospitalization for accidents and illnesses for the entire period while I am abroad? Some policies provided by a parent’s employer may cover medical expenses for brief stays abroad but not for the full term of a study abroad program.
Will the plan cover doctor visits and medication prescribed abroad?
Is there a deductible? If yes, how much?
Is there a dollar limit to the amount of coverage provided?
What are the procedures for filing a claim for medical expenses abroad? Do I need to pay expenses up front and then submit receipts to the insurance company for reimbursement? Make sure that you get full information from your policy about how to arrange for routine treatment, medical emergency procedures, and what is required to pay for or be reimbursed for a claim. Many overseas health providers will not process American insurance claims and will expect payment at the time of service so students should have access to a minimum of $400 (either by credit card or traveler’s checks held in reserve for emergencies) in the event that medical treatment is required abroad. Be sure to obtain a receipt to submit with your insurance claim for reimbursement upon your return to the US.
When does the plan begin and end?
Will this insurance cover me in the US for the insured semester if I decide, for medical or other reasons, to return before the end of the program? (If students have a serious accident or illness abroad, they may need to return to the US or further care; it is therefore important that the student carry coverage that applies not only abroad, but in the US during the study abroad period as well.)
Does the plan cover pre-existing medical conditions?
If you require prescription medication, you should bring a supply with you to last the entire time that you will be abroad. Although many medications are available worldwide, they are not always identical in strength or composition to what you take at home. In addition, brand names of the same medication usually differ between US and Europe. Bring medications in your carry-on luggage, in their original containers, along with a letter from your doctor explaining the dosage, why the medication has been prescribed, and why you are traveling with a large quantity. This is especially important if you enter Spain with medications that are highly controlled due to their tendency to be abused in other contexts.
Note: It is illegal to ship medications to Spain; any medications found will be confiscated and a heavy fine may be assessed.
If you plan to travel outside of Spain, particularly – given Spain’s proximity – to the continent of Africa, please make sure you have had the necessary immunizations. You can learn about associated health issues through the Center for Disease Control at http://www.cdc.gov/travel/.
During your stay in Granada
You must go to a pharmacy for all medications, including aspirin, as they are not sold in drug stores or grocery stores. Pharmacists in Spain are trained to do over-the-counter diagnoses for minor ailments so the pharmacy is a good first stop if you are not feeling well.
Pharmacies are generally open Monday through Friday 9:30-1:30 and 5:00-8:30. “Farmacias de guardia” are designated pharmacies that open all night and on the weekends on a rotating basis. You can find out which ones are open by checking the list in all pharmacy windows or in the local newspaper.
There are also several 24-hour pharmacies in Granada:
Reyes Católicos, 5 tel. 958 262 664
Gran Capitán, 9 tel.958 272 125
Recogidas, 48 tel. 958 251 290
Puerta Real, 2 tel. 958 263 113
Periodista José Ma. Carulla, 8 (cerca de Bellas Artes) 958 154 949
Avda. Dilar, 16 (Zaidín) 958 811 806
Medical appointments can easily be made at numerous health clinics and specialists’ offices throughout Granada. Walk-in services are also available at the Hospital Inmaculada (see information below). Students can consult CASA-Granada staff for the option that best suits their specific needs. In most cases, a student will pay for the consultation up-front and file for reimbursement from his/her home insurance company submitting the appropriate paperwork and all original receipts. It is the student’s responsibility to understand how his/her insurance coverage works and to file all reimbursement requests.
c/ Alejandro Otero, 8
Tel: 958-187-700 / 958-253-800
c/ Pedro Antonio de Alarcón, 60