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International Insurance

Students are required to have International Health Insurance for their study abroad journey. The Travel Insurance Policy must include coverage for Overseas Medical Expenses, Emergency Medical and Security Evacuation, and Repatriation of Remains at minimum.
Travel Insurance Considerations: 
  • Coverage date should begin the day you leave Riverside and end the day you return to Riverside.
  • Be sure plan covers hospitalization for accidents and illnesses for the entire time you are abroad and includes doctor visits and medication prescribed abroad.
  • Does the plan cover pre-existing medical conditions?
  • Are there treatments or types of treatment centers that will not be covered?
  • Is there a deductible? If so, how much?
  • Is there a dollar limit to the amount of coverage provided?
  • What are the procedures for filing a claim for medical expenses abroad? Do I need to pay expenses up front and then submit receipts to the insurance company for reimbursement after returning to the US? Is there a time limit for when the receipts need to be submitted?
  • What if I don’t have enough money to pay cash up front? Can money be wired/sent abroad? How do I do that?
  • What do I use as proof of international insurance coverage if I need to use the insurance or if the host government requires documentation?
  • Does the plan cover non-U.S. citizens?
  • Will this insurance cover me in the U.S. for the insured semester if I decide, for medical or other reasons, to return before the end of the program? (If students have a serious accident or illness abroad, they may need to return to the U.S. for further care; it is therefore important that students obtain coverage that applies not only abroad, but also in the U.S. during the study abroad period.)
Does insurance cover the following elements?
 
  • Emergency Medical Evacuation – Mandatory
  • Accidental Death and Dismemberment – Mandatory
  • Repatriation of Remains – Mandatory
  • Personal Property – optional if you desire the additional coverage
  • Trip Cancelation – optional if you desire the additional coverage 
International Medical Insurance Providers:

The following is not an exhaustive list of insurance carriers but rather a representative list. Inclusion in the list below does not imply endorsement by CBU of any particular insurance carrier. 
Your third-party program may provide you with some form of health insurance. Double check their policy to make sure it covers all of your personal health needs. American insurance policies will also sometimes cover some overseas use. Ask your health insurance provider for more information.
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International Insurance for CBU Faculty-led Programs

Students, staff, and faculty participating on CBU faculty-led programs are automatically enrolled in an international insurance policy through Gallagher. This does not apply to individual study abroad programs. The international insurance policy includes emergency medical insurance, security, natural disaster, and political evacuation coverage, cancellation insurance, repatriation of remains, and emergency reunion.