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botswana - Council on International Educational Exchange

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it provides, and note items that are excluded<br />

from coverage.<br />

The Sickness Insurance is designed as an<br />

additi<strong>on</strong>al or top-up policy <strong>on</strong>ly, and does not<br />

cover liability. It also does not include routine<br />

physical, dental examinati<strong>on</strong>s, preventive<br />

medicine, or psychological treatments. Students<br />

are not covered for injuries resulting from acts of<br />

war or other political unrest such as riots and<br />

dem<strong>on</strong>strati<strong>on</strong>s.<br />

Please note that CIEE does not cover medical<br />

expenses <strong>on</strong>-site. Students pay for any medical<br />

costs incurred and then file a claim directly with<br />

the insurance company for reimbursement.<br />

CIEE does not act as an intermediary between<br />

participants and the insurance company.<br />

Primary Insurance Plan Brokers<br />

If you do not have a primary insurance plan, you<br />

may wish to enroll in <strong>on</strong>e. The following brokers<br />

have individual insurance plans available:<br />

HTH Worldwide<br />

www.hthworldwide.com<br />

Tel: 877-424-4325<br />

Wallach & Company, Inc.<br />

www.Wallach.com<br />

Tel: 800-237-6615<br />

PERSONAL FINANCES<br />

Cost of Living<br />

The exchange rate is not c<strong>on</strong>stant. The New<br />

York Times and similar publicati<strong>on</strong>s publish<br />

exchange rates daily. You may also reference<br />

www.x-rates.com or www.oanda.com for up-tothe-minute<br />

exchange rates. You should keep<br />

abreast of how a rate fluctuates leading up to<br />

departure.<br />

What costs are covered by my CIEE fee?<br />

The CIEE fees include tuiti<strong>on</strong>, housing, opti<strong>on</strong>al<br />

<strong>on</strong>-site airport meet and greet, orientati<strong>on</strong>,<br />

cultural activities, field trips, a <strong>on</strong>e-week village<br />

stay, pre-departure advising, and a CIEE iNext<br />

travel card, which includes insurance and other<br />

travel benefits.<br />

What expenses should I budget for?<br />

CIEE does not cover local transportati<strong>on</strong> to and<br />

from your university classes, nor does it cover<br />

meals, the cost of textbooks, any visa fees<br />

associated with independent travel, or the exit<br />

tax you must pay at the airport up<strong>on</strong> departure.<br />

You should check with the airlines because<br />

normally the price of the departure tax is<br />

included in the fee of the ticket. You will also<br />

need m<strong>on</strong>ey for entertainment, toiletries,<br />

cosmetics, gifts, school supplies, and large<br />

purchases of any kind.<br />

Tip: Passport and credit card numbers<br />

Remember, to leave a copy of your passport and a list of<br />

credit card numbers at home.<br />

Besides inflati<strong>on</strong> and currency exchange,<br />

another variable that will affect your spending<br />

abroad is your individual taste requirements.<br />

When creating a budget, it may be helpful to<br />

c<strong>on</strong>sider how much you normally spend in a<br />

semester and inflate it a bit. Although the cost of<br />

living for a student in Botswana is comparable to<br />

that of a student in the United States, the added<br />

cost of independent travel al<strong>on</strong>g with the<br />

impulse to splurge makes careful budgeting<br />

imperative. Former students have saved<br />

c<strong>on</strong>siderably through limiting vacati<strong>on</strong> travel to<br />

the general area around Gabor<strong>on</strong>e. We suggest<br />

you take extra m<strong>on</strong>ey, if possible, for<br />

unforeseeable expenses.<br />

A complete list of Estimated Additi<strong>on</strong>al Costs is<br />

located <strong>on</strong> CIEE’s website:<br />

http://www.ciee.org/study/programOverview.asp<br />

x?pID=1784#6costs. Please note that students<br />

<strong>on</strong> the academic year program should budget an<br />

additi<strong>on</strong>al $700 for the break between<br />

semesters, which covers the estimated cost of<br />

housing and meals.<br />

Participants say...<br />

Budgeting depends <strong>on</strong> the individual, especially if you plan<br />

to travel a lot.<br />

Financial Arrangements<br />

You will need to make arrangements regarding<br />

traveler's checks, pers<strong>on</strong>al checks, credit cards,<br />

and bank cards before leaving home. See the<br />

secti<strong>on</strong> M<strong>on</strong>ey and Banking in Part III for details.<br />

Tip: Forget "Hey Mom, send m<strong>on</strong>ey"<br />

It is important that you make arrangements to receive<br />

enough m<strong>on</strong>ey to cover your pers<strong>on</strong>al expenses for the time<br />

you are in Botswana prior to your departure from the United<br />

States.<br />

PACKING AND BAGGAGE<br />

Try to organize and pack a day or two prior to<br />

departure so that you can judge if you'll be able<br />

to carry your bags (you must be able to do this).<br />

Some students have even practiced by carrying<br />

their bags around the block! Also, by packing<br />

early you'll have time to rest before the l<strong>on</strong>g trip.<br />

C<strong>on</strong>sider using a backpack or duffel bag,<br />

especially if you are planning to travel <strong>on</strong> your<br />

own after the program; suitcases can be quite<br />

heavy even when empty. A knapsack or flight<br />

14

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