Insurance

Semester and Academic Year Programs 

St. Thomas requires that ALL students participating in international off-campus programs have a level of insurance that meets or exceeds the insurance provided by the University’s policy thru Cultural Insurance Services International (CISI). View the CISI Brochure for information on this insurance plan. 

Insurance provided through organizations approved by St. Thomas have been evaluated. Students who will be enrolled in CISI, in addition to any coverage provided by their program, will be notified prior to the beginning of their semester abroad. Students will receive policy information upon enrollment and premiums will be posted to student accounts. 

January-Term and Summer Programs 

St. Thomas includes international health insurance coverage for all students participating on short-term programs (i.e., January Term, summer and spring-embedded) through Cultural Insurance Services International. For information on this coverage, see the CISI Brochure.

Students will be enrolled in CISI and sent information about the policy prior to their term abroad.

Frequently Asked Questions

I already have health insurance that will cover me while I am overseas. Do I still need CISI?

Yes. While maintaining your U.S. health insurance coverage is necessary, CISI is a much more comprehensive insurance that includes medical and security evacuation coverage, in addition to primary health coverage.

My program provides insurance as part of the program fee. I don’t want to have to pay twice for insurance. Can I be exempt?

St. Thomas has reviewed the insurance provided by our approved programs, and has determined which provide insurance that either meets or exceeds the levels required. Students participating in programs without the required level of coverage will be enrolled in CISI.

My program requires national health insurance in my host country. Can I be exempt?

No. National insurance coverage rarely meets the required levels of coverage for medical and security evacuation.