UMD: A Globally Connected University

Insurance

Insurance

 

 

We provide a comprehensive coverage plan chosen to best fit your needs abroad.

Overview | How to Use Insurance Abroad | Cost  | Trip Protection Insurance  


Overview

All students and faculty participating in study abroad programs administered, sponsored, or approved by the University of Maryland are automatically enrolled in the UMD's international health insurance plan, administered by Cultural Insurance Services International (CISI).  This coverage is required, and complements students' regular U.S. primary health insurance coverage.

The UMD-CISI international insurance plan includes coverage for:

  • Emergency medical expenses, medical evacuation, and repatriation
  • Coverage for nervous or mental disorders
  • Security evacuation services
  • Travel assistance services

Review complete details of the current CISI insurance policy and areas of coverage here.

Important Plan Resources

  • UMD CISI Custom Website:  This site outlines UMD's customized CISI plan, and provides links to the claim form, helpful FAQs, and the myCISI portal.
  • UMD CISI Policy:  This document shows policy details for the current year. 

Dual Coverage and Waivers

In most cases, the UMD CISI coverage will meet host country requirements for insurance coverage. However, some countries, including Australia, Denmark, and Israel, require that students on overseas programs also purchase domestic insurance. If you attend a program in one of these countries, you will still be enrolled in the UMD-CISI plan to ensure that you have full access to evacuation, repatriation, and other essential international medical services that are not provided by foreign domestic insurance plans.

Certain study abroad provider organizations may also require that UMD students be enrolled in their respective insurance plans. Whenever possible, we will request that the provider waive its coverage and the attendant charges. However, some providers may be unable to waive coverage for participants.  

Students in IES Abroad programs can waive CISI insurance coverage.  This is the only exception to the requirement for insurance coverage through CISI.  

Personal Belongings and Travel Disruption Insurance

The mandatory CISI student health insurance plan does not include coverage for personal belongings, lost or damaged luggage, or disrupted/canceled travel. You may consider purchasing this extra coverage, but it is not required for participation in study abroad. Travel disruption/cancelation insurance is often available through airlines and travel agents. Coverage for personal belongings such as laptops and cameras may be obtained through home owners/renters’ insurance or an additional policy. 

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How to Use Insurance Abroad

You can call or e-mail CISI's Team Assist at any time with simple medical questions or in an emergency.  The TeamAssist emergency assistance provider is AXA Assistance. AXA will help you access treatment that is covered under your plan, including identifying hospitals or local providers and possibly setting up appointments or a guarantee of payment ahead of time.​

  • Emergency.  In a medical emergency call AXA immediately.  AXA phone number: (01-312) 935-1703. This is a U.S. number. AXA accepts all collect calls or if you make the international phone call from a mobile or fixed line they can call you back immediately. Your UMD CISI Policy number: GLMN 04965887 (you will need this when you call.)  Please share this contact information with parents or other emergency contacts because they can contact AXA on your behalf.

  • Payments. In some cases, depending on the medical facility, direct payment of medical expenses can be arranged by AXA.   You can call AXA directly or in some cases have the medical facility call AXA directly while you are present to organize direct payment on the spot. If direct payment is not available or you are unable to call AXA ahead of time, you will need to pay for services up front and make a claim to request reimbursement directly from CISI. You should plan to travel with a credit card for this purpose just in case it is necessary. If you are hospitalized, we recommend that you arrange for CISI to begin direct payments to the hospital so that you did not have to pay for these costs up front.

  • Receipts and Claims.  You should keep all receipts for medical expenses so that you can submit them with your claim form.  The reimbursement process is quick and straightforward and takes about two weeks provided you submit receipts with your claim.

  • On-site support.  Be sure to contact your on-site support staff if you need assistance. If you are unable to reach your on-site contact, or need further assistance, please contact the Office of Education Abroad at +301-314-7473.  After hours call UMD Campus Security at +1-301-405-3333, where an operator will be able to contact an EA staff person to assist you.

The "Emergency", "Payments", and "Receipts and Claims" information above pertains to all students except those attending programs administered by IES Abroad. These students will be enrolled in IES Abroad's CISI plan. While the procedures and contact numbers are the same, the coverage and policy number are different.

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Cost

Please review the insurance schedule and related costs below. The dates of coverage are from the departure date from the U.S. to 24 hours after your program's end date. If you wish to extend your dates of coverage for personal travel before or after the official insurance enrollment dates, you can do so directly through CISI. Rates are subject to change.

Fall 2021

Program Length

Cost

5 months or less

$230

More than 5 months

$276

Year 2021-2022

Program Length

Cost

10 months or less

$460

10 -11 months

$506

11-12 months

$552

Winter 2022

Program Length

Cost

3-4 weeks

$47

2 weeks or less $26

Spring Break 2022

Program Length

Cost

1 week

$13

7 - 14 days $26

Spring 2022

Program Length Cost

5 months or less

$230

More than 5 months

$276

Summer 2022

Program Length

Cost

1 week

$13

7 - 30 days

$46

31 - 60 days

$92

 

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Trip Protection Insurance including cancellation and/or interruption coverage for Education Abroad Programs:

The University of Maryland strongly encourages students and their families to consider purchasing an optional trip insurance policy that includes cancellation or interruption coverage for Fall 2021 and Spring 2022 travel programs. These plans cover a student’s non-recoverable expenses, should they cancel or interrupt their travel for any reason.  Reasons may include travel delays associated with unexpected Covid-19 related concerns, including reimbursement of lodging, food, and other reasonable expenses if your travel is delayed by quarantine.   

CFAR/IFAR Worldwide Trip Protection

CISI is UMD’s insurance provider for international health insurance and offers a Worldwide Trip Protection policy for purchase. We have included information about CISI’s policy here and encourage students and families to research to find a policy or provider that best meets your individual needs. 

Two types of insurance plans are available for purchase; CFAR, (Cancel for any reason) and IFAR (Interruption for any reason). The covered reasons for Trip Cancellation coverage are not identical to the covered reasons for Trip Interruption coverage. To learn more about the plans please visit the CISI website.

Calculating Non-Reimbursable Expenses for your trip: Insurance premiums are based on the total amount of non-recoverable costs associated with your program of study and can be found on your cost of attendance sheet for your individual program. The following items are considered non-refundable for each program: 

Item Amount
APPLICATION FEE $50, non-refundable
COSTS BILLED TO YOUR UMD ACCOUNT
Education Abroad Fee $1,200, non-recoverable
International Health Insurance $230
Housing May be subject to pro-rated or non-recoverable
Tuition Non-recoverable
OUT OF POCKET COSTS
Housing Per terms of the housing contract you are signing should it not be included in your program fee. 
Meals (estimate)  
Passport Non-recoverable
Visa Non-recoverable
Resident Permit Fee Non-recoverable
Roundtrip Airfare from DC to Country (estimate) Per terms of your purchase
Course Materials Non-refundable once purchased
Optional Activities/Incidental Expenses Per terms of your purchase
In-Country Transportation Expense (estimate) Per terms of your purchase
TOTAL ESTIMATE OF NON-REFUNDABLE COSTS  

Eligibility for Coverage:

This policy is not available to residents of the State of New York.   

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