Insurance

Young man sitting at airport looking out the window with feet on suitcase

Required International Travel, Health, & Security Coverage

The University of Minnesota requires international travel, health, and security coverage for ALL participants in education abroad opportunities. Students going on a direct study or affiliate program through UMD Study Abroad are enrolled in an insurance plan automatically. The cost of this insurance is $2 per day (subject to change). The length of enrollment and cost varies based on the international program or activity. 

UMD Study Abroad Program Participants
The cost of international travel, health, and security insurance is included in the UMD program fee for UMD study abroad programs. Students are automatically enrolled in the insurance policy by GPSA.

Study Abroad Participants on Affiliate Programs (through UMD Study Abroad)
Students participating in UMD study abroad, affiliate, and non-affiliate programs are automatically enrolled by GPSA. The cost is billed to their student account. Students participating in UMN programs through another campus will be enrolled and billed for insurance through that campus.

Students Not Working with UMD Study Abroad
All University of Minnesota students are required to enroll in international health, safety, and security insurance for any international travel for University purposes as per the University’s policy Student Travel and Education Abroad: Health and Safety. If you are not participating in a program offered by UMD Study Abroad or other UMN campus, you must complete the student international travel registry.

Study Abroad Insurance Enrollment

After you have been enrolled in the international insurance, you'll receive insurance materials via email including information on how to use the insurance and specifics of the policy. View our current international health, security, medical, and evacuation coverage policy for the University of Minnesota.

In order to minimize the need for on-site medical and dental expenses, we strongly encourage students to see a doctor and dentist prior to departure. Since most insurance plans require that services be paid for upfront and reimbursed later, we also advise students to budget money for unexpected medical situations while abroad.

This insurance plan will cover University travelers for up to 5 days before and after the dates of their study abroad program. Additional coverage beyond those dates for extended personal travel can be arranged through a subsidiary of On Call International: WorldTripsLinks. The University does not have a relationship with nor has the University vetted this company or its products.
 

Information about coverage is subject to change.

For the most up-to-date coverage information, contact our current provider, On Call International.

The University of Minnesota also requires students to maintain their US health insurance while participating in education abroad programs.

Under the Affordable Care Act (ACA), people residing in the U.S. will be required to obtain health insurance.  In addition, the University of Minnesota requires students who are admitted to a degree program and registered for six or more credits per semester to have U.S. health insurance coverage. This University requirement applies even while students are participating in education abroad opportunities.

During program participation, should a student require medical attention that requires long-term care, the seamless use of U.S. health insurance will be in place to cover subsequent stateside medical expenses. Students may find it difficult to purchase a health plan if they return with what the insurance companies consider a pre-existing condition. If students have special insurance needs, or if they plan any personal travel before, during, or after the program, they are responsible for the coverage. Students are responsible for ensuring that they have adequate insurance coverage for their particular circumstances.

Student Health Benefit Plan

Students participating in a University of Minnesota (Duluth or another campus) Student Health Benefit Plan for the previous term will automatically be enrolled in the Student Health Benefit Plan for their study abroad experience unless they submit and are approved for a waiver. Contact the Office of Student Health Benefits for more information.

Personal Belongings Insurance

  • Check with your family homeowners’ policy to find out whether your personal belongings are covered if a loss were to occur. 
  • If they aren't covered, consider purchasing a policy that would cover your personal possessions while abroad.