International students navigate overlapping challenges—new academic systems, unfamiliar healthcare landscapes, cultural adjustment, and language barriers. Research shows that even when students have insurance, many don't access care until crisis hits—or at all. What creates the gap between coverage and care? How can institutions build systems where students feel safe seeking support early? What do trauma-informed and culturally responsive approaches actually look like in practice? This session brings together multiple perspectives to explore these questions through honest conversation, student feedback, and practical strategies that any institution can adapt to. We'll discuss what works, what doesn't, and how small shifts in language, process, and collaboration can transform student experiences.