Your personal safety while you are away from home is very important to the staff of the Office of Study Abroad and to your family and friends. While no off-campus program can offer an absolute guarantee that students will be safe from injury or crime, there are many steps you can take to reduce your risks. It is our experience that most of the issues that arise from traveling in today's climate of uncertainty can be addressed by heightened awareness and common sense.
For a comprehensive list of travel tips related safety, please consult your pre-departure handbook. However, a few things to consider before you depart and a few steps to follow upon arrival that can help ensure your health and safety are:
For more information about safety overseas, visit the U.S Department of State Travel site or SAFETI Clearinghouse Safety Handbook.
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 by each of our Co-Sponsored programs has 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.
1. 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.
2. 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 co-sponsored 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.
3. 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.
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.