Insurance and Travel Assistance Coverage
Study abroad offers many opportunities for growth and exploration. However, travel and study abroad always involves some elements of risk. The Office of Study Abroad at Brandeis University urges students and families to discuss their potential health and safety concerns, then learn about the insurance coverage available through their families, Brandeis University and their study abroad programs.
Health Insurance Requirements
International Sickness and Accident Insurance
All Brandeis University students who participate on an approved study abroad program must ensure they obtain coverage from a comprehensive international sickness and accident insurance plan. Many programs will automatically enroll students in a comprehensive plan. Students must ensure that they have adequate insurance coverage for their particular circumstances.
If your program does not provide comprehensive international sickness and accident insurance coverage, you will be required to enroll in the Brandeis international sickness and accident plan offered through Cultural Insurance Services International (CISI), which provides international insurance coverage for students through a comprehensive plan (please contact firstname.lastname@example.org for policy details). Please note that all Brandeis-Led Study Abroad Programs automatically enroll students in CISI insurance for the duration of the program.
Maintaining U.S. Coverage
You must retain your U.S. health insurance, even while overseas. This will cover you both before you leave and after you return from your program. Should you have an accident or illness overseas that requires long-term care, you will have insurance upon your return to cover these expenses. Please also note that since you will be an enrolled, full-time Brandeis student while you are abroad, the same insurance regulations that affect you while you are in Waltham will still apply.
Zurich Travel Assistance Program
For students studying abroad on an approved program in the summer, fall, spring, or year, they will be covered by the Zurich Travel Assistance Program.
Brandeis University has contracted with Zurich to provide worldwide travel assistance to all study abroad participants. In addition to the coverage provided by your health insurance, Zurich has arranged to provide Brandeis students studying abroad with access to its network of travel services around the world. These include:
- Medical Assistance: referral to a doctor or medical specialist; medical monitoring while hospitalized; emergency medical evacuation to proper medical facilities; and medically-necessary repatriation and return of mortal remains.
- Personal Assistance: translation and interpretation; emergency ticket replacement; lost document replacement; emergency advancement of funds; legal referrals.
- Information Assistance: passport and visa information; weather, cultural, and currency exchange; travel advisories; embassies and consulates (addresses and telephone numbers).
- Security Assistance: global database; travel advisories.
To access these benefits, students must first contact Zurich before accessing resources to be eligible for any claims. Staff in the Office of Study Abroad can help with this process.
The coverage provided by Zurich is meant to be a supplement to the policies, procedures, and support mechanisms offered by your study abroad program. While Zurich does offer travel, medical, and security services, it is NOT health insurance. Brandeis requires all students participating in study abroad to maintain health insurance coverage that meets the standards set forth by the university.
We encourage all students to create an account on the Zurich portal by registering with policy number # GTU7196245. Here you can access more information on the policy, access travel risk and security information, print a membership card, and access contact information. You can also down the Travel Assist app for additional support and alerts on your phone. For emergencies and live support in the U.S. call toll-free at (800) 667-2523. For 24/7 Assistance call (416) 977-8305. When calling please identity yourself as an insured member of Zurich in North America.
Travel/Personal Property Insurance
We strongly encourage you to obtain insurance against theft and/ or damage to your personal effects for the period of time you will be abroad. Most programs do not provide insurance for your possessions, like stolen cell phones or laptops. Unfortunately, theft of these items is the top incident abroad so don't let it leave you stressed out financially! Your family's homeowner's insurance or rental insurance may provide coverage.
Keep in mind that if you have special insurance needs, or if you plan any travel before, during, or after the program, you are responsible for obtaining appropriate coverage.