Why Do I Need Insurance?
International travel takes on liability in addition to that normally associated with domestic trips. As a traveler, it is critical that you have support if an emergency or incident occurs while in a foreign country. The Foreign Travel Insurance Program provides the following benefits to staff, faculty and students:
- Assistance Services: Provides assistance for emergency medical, travel, personal and security services 24-hour coverage, from the time the participant leaves until they return.
- Pre-departure Information: Immunizations, medical exams and treatment, visa requirements, weather and travel hazards.
- Insurance Coordination: Coordination of insurance and medical forms.
- Evacuation and Repatriation: Coordination of emergency medical evacuation and repatriation.
- Travel Medical Emergency Services: Assistance in obtaining local medical care, monitor quality and cost of hospital treatment, confirm travel medical expense insurance, guarantee payments to providers, and maintenance of contact between personal and local physicians.
- Legal Assistance: Coordinate assistance from local attorneys, embassies, and consulates, and maintain communication with family of traveler (faculty/staff/student/volunteer).
Foreign Travel Insurance Program
The Foreign Travel insurance program provides coverage for faculty, students and others while traveling and studying abroad, including general liability, excess auto liability, foreign workers' compensation, accident and sickness (including medical coverage), and executive assistance services. Once travel is approved and FTIP insurance is purchased, Risk Management will provide Travel Assist cards. Risk Management will distribute the Travel Assist card to the participants prior to travel.
The Division of Administration and Finance covers the international travel insurance premiums for faculty and staff.
Students insurance is typically covered by the coordinating departments and should be included in the total cost of the trip/travel approval budget request. There are limited exceptions where a PI may need to fund for their insurance cost, examples include grant funded trips or field trips that are not fully covered by a department or program.
Insurance coverage for international field trips cannot exceed 364 days.
- Accidental Death and Dismemberment $100,000
- Emergency Medical Benefit Employee/Student $10,000
- Emergency Medical Evacuation 100% of Covered Expense
- Repatriation 100% of Covered Expense
- Primary Medical Expense - $250,000 Employee/Student/Spouse/Dependent
- Dental Treatment - $1,000 Maximum (Injury Only)
- Alleviation of Pain - $500 Maximum
- Emergency Medical Treatment of Pregnancy - $2,000 Maximum
- Emergency Reunion $5,000 Benefit Maximum
- $300 Daily Benefit Maximum (10 Days Maximum Number of Days)
- Trip Cancellation - $2,500 Benefit Maximum (Reimbursement of non-refundable covered expenses paid for trip up to Benefit Maximum if prevent from taking trip as a result of documented injury, sickness, or death).
- Trip Interruption Benefit - $2,500 Benefit Maximum (Reimbursement of cost for one- way economy air/or ground transportation ticket, up to benefit maximum, if participant's trip interrupted as a result of a death of a family member or unforeseen injury or sickness of participant's family member.
FTIP also provides critical coverage for other uninsured exposures for the university including primary general liability, contingent automobile liability, employer’s responsibility coverage voluntary compensation, employer’s liability, primary and workers’ compensation for faculty and staff.
If travel is canceled, the traveler must notify Risk Management as soon as possible to cancel coverage to avoid unnecessary premium costs to the college/department. Advance cancellations may be sent to riskmanagement@csusb.edu, with the subject line of Cancelation of Travel.
Foreign Travel Insurance Process
Prior to making your travel plans, check each list for the warnings of the country you plan to visit. If your destination appears on either list, you must note that when submitting your Concur Travel Request.
Presidential approval is required for all international travelers and can be submitted in Concur. Visit the Travel Office for questions regarding submitting Concur requests. Travel Insurance is submitted by Risk Management to the CSU Insurance Administrator only after presidential signature. There are no exceptions to this policy so we recommend submitting Concur requests at least 30 days in advance to allow time for mult-level signatures and the underwriting of the trip.
The State Department’s Safe Traveler Enrollment Program (STEP) formally registers your trip with the nearest U.S. Embassy or Consulate. Travelers will receive important information about safety conditions in your destination country as well as make it easy for the U.S. Embassy to contact you in an emergency, natural disaster, civil unrest or family emergency.