Education Abroad strongly recommends that all students traveling overseas have international health insurance coverage.  Most domestic policies do not cover foreign medical care, overseas medical/security evacuation or repatriation of remains—items that can be extraordinarily expensive.  International health insurance will provide you with the necessary coverage should you need to visit a doctor or hospital while abroad.  Some hospitals abroad might require payment up-front.  Therefore, you must then file a claim upon returning to the U.S. to receive reimbursement.  Refer to your program’s insurance policy for more details.   

Medical Insurance Coverage When Participating on Texas A&M Programs 

For programs coordinated by a Texas A&M department or student organization, trip leaders and participants are enrolled by Education Abroad into the university policy with Cultural Insurance Services International (CISI). CISI is medical insurance and emergency assistance providing coverage and reimbursement for subscribers. Click here for the current policy details.  Below is a snapshot of available benefits.   The plan includes accident and sickness coverage, evacuation and repatriation insurance, and other benefits and resources that are helpful in case of emergencies, delays, and more.   

Provider	Non Emergency Medical Benefits	Emergency Medical Benefits
Cultural Insurance Services International International Medical Insurance and Emergency Services (Note: Covers pre-existing medical conditions.)	Doctor/Medical Center locator service online and via phone Reimbursement for medical expenses overseas Expenses as a result of travel delays NO deductible	Doctor/Medical Center locator service online and via phone Medical personnel available to provide assistance with medical evacuation, if needed. Medical evacuation and other assistance provided and covered by CISI NO deductible

Medical Insurance Coverage When Participating on Non-Texas A&M Programs 

For programs that are not managed by TAMU and for independent experiences, students are strongly encouraged to self-enroll in the affordable and comprehensive CISI plan if their provider/host institution doesn’t have international health Insurance coverage. Please check with your program contact to verify coverage details.  

Access to enroll in CISI is provided at the time of registration in the Education Abroad porta.   It is your responsibility to ensure that you have sufficient health and accident insurance for the duration of your time abroad. 

Insurance Coverage When Participating on Approved Foreign Business Travel

Texas A&M employee’s BCBS health insurance includes benefits while traveling internationally on business; however, it is important to understand the limitations and your out-of-pocket expenses. Please be sure to review the outline provided by TAMUS Benefits (A&M Care Plan (tamus.edu)  

Employees may contact Education Abroad to discuss the possibility of enrolling in CISI’s accident medical insurance.  

Supplemental Travel & Program Insurance  

CISI and other health insurance plans may not provide benefits if the program or a flight is cancelled or if you are unable to travel.  To protect your investment and add trip benefits, we recommend that you investigate Cancel or Interrupt for Any Reason travel plans.