Insurance
Medical Insurance
All programs require health insurance coverage for the duration of the program. If you do not have insurance coverage, you can purchase the St. Cloud State student health insurance policy. See St. Cloud State health insurance site for more information.
You will need to provide proof of insurance by providing a letter from your health insurance company. The health insurance letter needs to be on letterhead and show the following:
- Company name
- Policy name
- Student’s name
- Policy coverage dates from ____ to ____ (if applicable)
- Must specify that is covered while overseas
- The premium has been paid for the period of the student’s program
Please contact your insurance company to be sure that you are covered while overseas, and that it is adequate coverage.
International Student Identification Card (ISIC)
All students enrolling in a St. Cloud State study abroad program will purchase the International Student Identification Card (ISIC) and pay for it through the program fees for the program. It automatically provides you with minimal accident and sickness insurance. This card also provides you with some emergency medical evacuation and repatriation insurance.
The card also entitles you to special privileges and discounts including reduced or free admission to museums, theatres, cinemas, concerts, and cultural and historic sights. New benefits for identity cards include discounts on international phone calls on AT&T's USA Direct Service and discounts on wiring money with American Express. Always show your card when buying tickets for events to see if they might give you a discount. Possible discounts are rarely advertised so be prepared to ask. The card is valid for the calendar year in which it is issued.
Card Fee: $22
ISIC card fees are included in the program fee for all SCSU students and faculty participating in SCSU sponsored study abroad programs. For non-SCSU participants the ISIC card is included with the application fee.
Travel Insurance
Consider purchasing travel insurance because if you are not able to go on the program because of illness or death in the family, you will be able to recover some of your costs. Some travel insurance policies will cover job loss as well. Check in the purchase it will cost about 7% of the cost of the airline ticket which was purchased through CIS and added to your account through the program fee. Be sure to check terms and conditions of the travel insurance prior to purchase. This type of insurance does NOT reimburse for canceled trips due to health epidemics, natural disasters, war, or other such circumstances in which the University may cancel a program.
Liability Insurance
Travelers should consider purchasing liability insuranceprior to departure, which will cover them for any damage to property and lost or stolen items while overseas. Check with your family's homeowner's insurance or rental insurance may also provide coverage for items such as laptops, cameras, etc.
