Insurance


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Insurance

Required international travel, health, & security coverage

The University of Minnesota requires mandatory international travel, health and security coverage for ALL participants on education abroad opportunities through Cultural Insurance Services International (CISI), for all education abroad opportunities. Most students going on a University of Minnesota or affiliated program through the UMD Study Abroad office are enrolled in the insurance plan automatically. The cost of this insurance is most often included in the program fee. Generally, CISI costs $40 per month. However, enrollment and payment vary based on the international program or activity:

UMD Study Abroad Program Participants
The cost of international travel, health and security insurance is included in the UMD program fee for UMD study abroad programs. Students are automatically enrolled in CISI by their study abroad coordinator.

Study Abroad Participants on Cosponsored and Affiliate Programs (through UMD Study Abroad)
Students participating in UMD study abroad, cosponsored, affiliate and non-affiliate programs are automatically enrolled in CISI by study abroad coordinators. The cost is billed to their student account. Students participating in UMN programs through another campus will be enrolled and billed for CISI through that campus.

Students Not Working with UMD Study Abroad
All University of Minnesota students are required to obtain CISI insurance for any international travel for University purposes as per the University’s policy Student Travel and Education Abroad: Health and Safety. To fulfill the requirements if you are not participating in a program offered by UMD Study Abroad, you will enroll in the insurance plan as part of the required student international travel registration process.

Cultural Insurance Services International

UMD Study Abroad coordinators or staff enroll students in CISI. Students will subsequently receive an email allowing them to log in and view the detailed policy, print an insurance card and resources with coverage dates and access further international health and safety information. View CISI international travel, health and security coverage policies for the University of Minnesota here. 

In order to minimize the need for on-site medical and dental expenses, we strongly encourage students to see a doctor and dentist prior to departure. Since most insurance plans require that services be paid for up front and reimbursed later, we also advise students to budget money for unexpected medical situations while abroad.

CISI coverage will start 3 days before, and end 3 days after, program dates. If you will spend extra time overseas before or after your program, we strongly encourage you to purchase adequate insurance to cover that time.  CISI will allow students, staff, and faculty to purchase up to 30 days of insurance beyond the dates of the University of Minnesota coverage. You can add and pay for additional coverage through your CISI portal or by contacting CISI directly.

Information about coverage is subject to change. For the most up-to-date information, contact CISI:

Cultural Insurance Services International (CISI)
1 High Ridge Park
Stamford, CT 06905, USA
Phone: (203) 399-5130

The University of Minnesota also requires students maintain their US health insurance whenever enrolled, including while participating in education abroad opportunities.

The travel, health and security insurance coverage through CISI is specifically exempt from the requirements of the Affordable Care Act (ACA) and was not intended to and does not satisfy a person’s obligation to secure minimum essential coverage beginning in 2014 under the ACA.  The University encourages travelers to consult with their legal counsel or tax advisor for information on their obligations under the ACA.

During program participation, should a student require medical attention that requires long-term care, seamless use of U.S. health insurance will be in place to cover subsequent stateside medical expenses. Students may find it difficult to purchase a health plan if they return with what the insurance companies consider a pre-existing condition. If students have special insurance needs, or if they plan any personal travel before, during or after the program, they are responsible for the coverage. Students are responsible for ensuring that they have adequate insurance coverage for their particular circumstances.

Student Health Benefit Plan

Students participating in a University of Minnesota (Duluth or another campus) program enrolled in the Student Health Benefit Plan for the previous term will automatically be enrolled in the Student Health Benefit Plan for their study abroad experience unless they submit and are approved for a waiver. Contact the Office of Student Health Benefits for more information.