Outside the US, yes, we cover both public and private care. Just make sure to get a medical report and receipt from the doctor so you can claim for expenses paid up-front. In the US you should go to an Aetna network doctor, see below.

In the US, we encourage you to go to an Aetna network doctor. By doing so, you do not have to pay the total cost up-front, only the deductible/copay. The Aetna doctor will send the bill to our claims agent. You can find a doctor online at  www.aetna.com/docfind/erika or ask a staff member at your school, a local representative or call Aetna Student Health toll free at: +1-800 783 7447.

If you are a student or an au pair in the US and have Erika, you can get your Aetna ID number at www.aetna.com/docfind/erika. Just enter your booking number and date of birth. The Aetna number makes it easier for the Aetna doctor to find you in their system, and the bill will be sent directly to us instead of you having to pay up front. You can also call Aetna Student Health toll free at +1-800 783 7447 to get your Aetna ID number.

It depends on where you are and which doctor you go to. In the US, you don’t have to pay up-front when using the Aetna network. In other countries, you should always be prepared to pay up-front. For more expensive things like hospitalization, scheduled surgery, physical therapy sessions, etc., always contact our assistance company who can arrange payment. Find the right contact here.

If you get sick in Covid-19, medically necessary expenses are covered as well as testing prescribed by a doctor. We do not cover testing required by airlines, local authorities etc.

It’s easy, go to Make a claim and file your claim online.

You need to fill out the online claim form and attach all relevant documents such as medical reports, receipts, police reports, etc. For more information, go to How to claim.

Only medicine prescribed by a doctor is covered. Remember to keep receipts from the pharmacy.

Doctor's visits are covered if necessary and acute and if related to an illness or an accident. Routine visits and health checkups are therefore not covered.

If the bag is delayed more than 24 hours upon arrival to the host country, Erika will cover up to a certain amount for necessities if the airline doesn’t pay anything. For details on how to claim, go to How to claim.

Yes, as long as you have reported it to the police and can provide us with the crime reference number and the name of the police station.

Yes, as long as you send in some other proof of ownership, such as a warranty paper or a credit card statement.

We need to know the following: Account holder’s name, the name and address of the bank, the bank account number, the IBAN number and the SWIFT/BIC code. Contact your bank if you don’t have your IBAN number and SWIFT/BIC codes.

If you have attached all the relevant information to your claim, the handling time is approximately 2-3 weeks.

Most likely, we have taken a deductible, which is an amount that you are responsible for, or there was a limit in the policy that made us refund less than you actually claimed for.

It is not too late as you have 10 years to claim.

We are happy you are pleased with Erika. Unfortunately, our coverage is only available to EF and Hult students as well as Cultural Care au pairs.