No matter how
far you travel...
We’re there..
EMERGENCY
MEDICAL
SECURITY
For nearly two decades, Cultural
Insurance Services International
(CISI) has offered the most
comprehensive insurance coverage
to the international education
market. We provide insurance
coverage, travel/technical/medical
assistance and claim paying
services to more than 150,000
study abroad students and cultural
exchange participants worldwide.
CISI has access to both the
domestic and international
insurance markets, and has
extensive experience providing
international travelers with
insurance plans. CISI prides itself
on exceptional customer service
and insurance plans designed
specifically for students and cultural
exchange participants.
So no matter where you choose to
study, travel, visit or tour, we’ve got
you covered.
“CISI has been outstanding
to work with. Their communication is
proactive and their plans
are clearly designed with
the study abroad experience in mind.”
—University of St. Thomas
Contents
2
Choose Peace of Mind ; Choose CISI
4
Dedicated Staff Support
and Services
5
Emergency
Travel Assistance
6
Worldwide Coverage
8
Coverage for
Study Abroad Programs
10 Coverage for
Inbound U.S. Programs
12 Security Benefit and Features
14 Security Services
16 myCISI : Easy-to-Use Online Tools
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Choose peace of mind. Choose CISI.
we’re here..
Customized Solutions Priced to Fit your Budget
Expertise in medical, property and liability insurance as well as travel assistance plans is unique
in the industry. We work with you to meet your specific needs, addressing your concerns and
designing creative solutions.
Our relationships with financially stable insurance carriers, all rated A or better by A.M. best,
permit us to design the wide-ranging coverage your program requires, coupled with fair and
accurate pricing that your budget demands.
Customer Service and Expertise You Can Count On
Insurance options can be overwhelming; that’s why CISI is proud to have built a renowned
reputation in the marketplace for superior customer service.
Our seasoned account representatives have over a decade of experience, with backgrounds in
administration, admissions, accounting, education management, and law. They will guide you
every step of the way and customize the process to meet your needs and requirements.
International experience is key to our ability to provide advanced insurance services for cultural
exchange programs. Our participants travel to 200 countries annually — from Costa Rica, to Italy,
to Brazil, to Egypt, to China. Our own international and sister offices give CISI direct connections
in UK, Germany, South Africa, Poland and Australia.
24-Hour Worldwide Assistance, 7 Days a Week, 365 Days a Year
Service during the coverage period is the most important aspect of what we offer. After all, what
good is insurance if you can’t – or don’t know how – to use it?
There are many obstacles with worldwide insurance, such as language barriers and
unfamiliarity with insurance procedures in some foreign countries. That is why CISI offers
24-7-365 worldwide assistance services—a resource for everything from a lost passport to an
emergency evacuation. Our assistance service has doctors and translators on staff, providing
toll-free, worldwide access to benefits, providers, and emergency assistance.
Flexible and Comprehensive Plan Options
“CISI was very responsive and helpful as
we started our international program.
We had tried other insurance companies
and were not successful. We had such
bad experiences with others that it was
hard to believe it could be so easy to
work with a company.”
—Crossroads C ommunity
All customers are unique—we believe their coverage should reflect that. CISI ensures that your plan can be as flexible and as comprehensive as you need it to be. Many of CISI’s plans feature:
ŽŽ Emergency family reunion benefit
ŽŽ Quarantine coverage
ŽŽ Comprehensive security
evacuation benefit
ŽŽ Kidnap and ransom coverage
ŽŽ Fully-assisted medical evacuation
and repatriation
ŽŽ Tuition refund benefit and trip
cancellation/interruption coverage
ŽŽ Personal effects coverage: lost or
delayed baggage
ŽŽ Personal liability coverage
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ŽŽ 24-hour multilingual emergency
assistance services, personal security
advice and response services
ŽŽ Customized, web-based client portal
ŽŽ Varying coverage maximums
ŽŽ Deductible levels on an annual basis,
per injury/illness or zero basis for
study abroad
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Dedicated Staff Support and Services
In-House Claim Processing Services
CISI utilizes a fully automated claim payment system.
Professional, in-house staff readily serve your personal
needs. A dedicated Benefit Analyst will become the expert
for your customized group plan and is available to you as a
valued resource.
Our sophisticated telephone software allows for prompt and
efficient handling of all incoming calls. The calls received are
automatically routed to the next available Benefit Analyst,
ensuring that you will speak to a live person. At all times, the
program sponsors will be able to have direct access to their
client-specific representative.
On-Staff Crisis Management Personnel
Our CISI staff members include an experienced 24/7 Crisis
Team who serve as your direct liaison during any medical,
security or legal emergency with your students. With over 15
years of experience in handling emergency evacuations and
repatriations for cultural exchange and educational travel
organizations, our Crisis Team will be able to meet all your
needs during any type of crisis.
The Crisis Supervisor handles all contact with our emergency
assistance provider to ensure your organization’s questions
and concerns are being addressed. Ongoing communication
with all involved parties remains until your participants return
to their home country safely.
Customized Enrollment System
Emergency Travel Assistance
CISI has chosen top-notch assistance providers who can offer
unmatched global expertise and highly skilled multilingual staff. Help and advice may be furnished for the insured in the event of any emergency during the term of coverage with us.
ŽŽ 24-7 multilingual emergency assistance provider
CISI
Customer
Survey
Results:
98%
Timeliness of
Response
ŽŽ Medical Evacuation and Repatriation benefit levels that exceed
visa requirements
ŽŽ Security Assistance support backed by a network of security,
intelligence and geopolitical experts
99%
Understanding
of Insurance Needs
Medical Assistance Services
ŽŽ Medical Referral
ŽŽ Medical Monitoring
ŽŽ Prescription Drug Replacement/Shipment
ŽŽ Emergency Message Transmittal
99%
Ability to Resolve
Problems
ŽŽ Coverage Verification/Payment Assistance for
Medical Expenses
Travel Assistance Services
ŽŽ Assistance in Obtaining Emergency Cash
98%
Overall Experience
with CISI
ŽŽ Traveler’s Check Replacement
ŽŽ Lost/Delayed Luggage Tracking
ŽŽ Replacement of Lost or Stolen Airline Ticket
CISI has developed a customized invoicing and enrollment
system specifically programmed to meet the needs of
program sponsors involved in cultural exchange. This
system allows for immediate enrollment of students and
confirmation of coverage, creation of detailed invoices with
participant specific ID Cards and Consulate letters.
CISI’s user friendly online enrollment system provides full
automation for our clients who wish to enroll directly.
Technical Assistance Services
Service from CISI
98%
Recommend CISI
ŽŽ Credit Card/Passport/Important Document Replacement
ŽŽ Locating Legal Services
ŽŽ Assistance in Posting Bond/Bail
ŽŽ Worldwide Inoculation Information
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98%
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ICELANDS
SWEDEN
FAROE ISLANDS
We provide
coverage
to over
150,000
students
traveling
to 200
countries
annually
FINLAND
UNITED KINGDOM
ESTONIA
DENMARK
LATVIA
NETHERLANDS
LITHUANIA
BELGIUM
IRELAND
POLAND
GERMANY
LUXEMBOURG
AUSTRIA
FRANCE
UKRAINE
CZECH
REPUBLIC
SLOVAK REPUBLIC
MOLDOVA
HUNGARY
ROMANIA
SLOVENIA
BOSNIA AND HERZEGOVINA
SERBIA
SWITZERLAND
ITALY
CROATIA
RUSSIAN FEDERATION
BULGARIA
KOSOVO
SPAIN
CANADA
we’re everywhere!
MONTENEGRO
PORTUGAL
ALBANIA
MALTA
GREECE
MACEDONIA
KAZAKHSTAN
GEORGIA
AZERBAIJAN
BAHAMAS
CAYMAN ISLANDS
TURKS AND CAICOS ISLANDS
DOMINICAN REPUBLIC
PUERTO RICO
US VIRGIN ISLANDS
BRITISH VIRGIN ISLANDS
SAINT KITTS AND NEVIS
ANTIGUA AND BARBUDA
GUADELOUPE
DOMINICA
MARTINIQUE
ST LUCI
BARBADOS
GRENADA
TRINIDAD AND TOBAGO
NETHERLANDS ANTILLES
ARUBA
UNITED STATES
BERMUDA
CUBA
MEXICO
BELIZE
JAMAICA
GUATEMALA
EL SALVADOR
HONDURAS
NICARAGUA
COSTA RICA
PANAMA
GALAPAGOS
HAITI
CYPRUS
TUNISIA
MOROCCO
ISRAEL
MALI
THE GAMBIA
BHUTAN
PAKISTAN
SUDAN
SENEGAL
UNITED
ARAB
EMIRATES
MYANMAR
MACAU
TAIWAN
INDIA
GUAM
BANGLADESH
THAILAND
VIETNAM
CAMBODIA
NIGERIA
ETHIOPIA
SOMALIA
CAMEROON
UGANDA
CONGO
RWANDA
BURUNDI
KENYA
SRI LANKA
PHILIPPINES
MALAYSIA
SINGAPORE
MICRONESIA
INDONESIA
PAPUA NEW GUINEA
SOLOMON ISLANDS
TANZANIA
MOZAMBIQUE
NAMIBIA
TOKELAU
EAST TIMOR
VANUATU
ZIMBABWE
FIJI
BOTSWANA
MADAGASCAR
SWAZILAND
ARGENTINA
HONG KONG
LAOS
NEPAL
BURKINA FASO
ZAMBIA
PARAGUAY
CHINA
BAHRAIN
SAUDI ARABIA
JAPAN
TAJIKISTAN
QATAR
NIGER
CONTE D’IVOIRE
BENIN
GHANA
TOGO
EQUATORIAL GUINEA
GABON
BOLIVIA
SOUTH
KOREA
AFGHANISTAN
KUWAIT
EGYPT
CAPE VERDE
IRAN
IRAQ
JORDAN
NORTH
KOREA
KYRGYZSTAN
LEBANON
BRAZIL
PERU
TURKMENISTAN
ARMENIA
TURKEY
SIERRA LEONE
LIBERIA
VENEZUELA
COLOMBIA
GUYANA
SURINAME
ECUADOR
CHILE
UZBEKISTAN
MONGOLIA
AMERICAN
SAMOA
TONGA
AUSTRALIA
SOUTH AFRICA
COOK ISLANDS
FRENCH
POLYNESIA
URUGUAY
NEW ZEALAND
FALKLAND ISLANDS
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w w w. m y C I S I . c o m 7
Coverage for Study Abroad Programs
Each year, CISI insures thousands of American students as they
travel overseas to expand their minds and education. Working
closely with the student population and exchange organizations
for nearly two decades, we have the knowledge, flexibility and
expertise to provide the necessary support for all study and travel
abroad participants. Our industry-leading, comprehensive study
abroad insurance features:
ŽŽ 24-hour Emergency Assistance services staffed with
multilingual representatives
ŽŽ Fully assisted emergency evacuation and repatriation
ŽŽ Payment guarantees issued to overseas hospitals in
several languages
ŽŽ Direct access to overseas provider network via our
Emergency Assistance Center
ŽŽ Coordination with your program to arrange direct pay
relationships with providers in top destinations
ŽŽ Claim payments issued from our office in several
foreign currencies
ŽŽ In-house staff to serve as your liaison in the event of
a medical or legal crisis
ŽŽ Initial legal counseling provided to students via our
attorney, who is known for handling several high profile
international cases
ŽŽ Online enrollment for additional independent travel
ŽŽ Security Evacuation Benefit covering both Political
Unrest events and Natural Disasters
ŽŽ Personal Security Advice and Response Services
ŽŽ Coverage for traveling faculty and staff at student rates
ŽŽ Drug Translation Tool
ŽŽ On-line International Provider Network of over 12,000
doctors and hospitals in over 85 countries
150,000 total insured students per year
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200 countries insured
students traveling to
ŽŽ Zero Deductible, Home Country Coverage,
Pre-existing allowance
ŽŽ No exclusion for drugs or alcohol
ŽŽ No exclusion for attempted suicide
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Coverage for Inbound U.S. Programs
“We have worked with CISI for many years and
they are reliable, cooperative, and helpful. It has
been a pleasure being associated with them.”
—Lynn University
1 0 CISI has extensive experience in developing
comprehensive insurance plans to meet
the specific needs of exchange program
participants coming to the United States.
Navigating the U.S. medical and insurance
system can prove difficult even for those in
the know. Our simplified, straightforward
process provides exchange students with
the coverage they need and the ease in
which to use it. Programs we currently cover
include: international students, internships,
work and travel, high school exchange, high
school tour groups, language schools and
au pair programs.
Our industry-leading, comprehensive inbound insurance features:
ŽŽ Comprehensive coverage at an affordable rate
ŽŽ Access to a fully comprehensive online
provider network
ŽŽ Coordination with Student Health Centers
on administration of claims
ŽŽ Completely voluntary PPO network accessible
online via our website
ŽŽ Customized plans that provide a full array of
options to best suit your needs
ŽŽ In-house staff to serve as your advocate in the
event of a medical or legal crisis
ŽŽ Online access to claim status information
ŽŽ Premium offerings for spouses and dependents
ŽŽ Reimbursement for airline ticket home in the
event of serious illness of a family member
ŽŽ Coverage provided while students are in their
home country
ŽŽ 24-hour Emergency Assistance Center
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Security Benefit and Features
“The service is excellent. Everyone is treated as an individual and treated with such
respect. CISI professionals know our program and our specific needs. I really
appreciate the details such as names of our insured students in an area of danger
such as the e-mail we just received regarding the earthquake in Chile last night.”
—University Of Minnesota
Security Evacuation Benefit
CISI also provides added personal security advice and response services via an agency of trained security specialists.
This comprehensive benefit provides evacuation coverage in the event of:
ŽŽ Expulsion from a Host Country or being declared
persona non - grata on the written authority of the
recognized government of a Host Country;
ŽŽ Political or military events involving a Host Country,
if the Appropriate Authorities issue an Advisory
stating that citizens of the Insured Person’s Home
Country or citizens of the Host Country should leave
the Host Country;
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ŽŽ Natural Disaster within 7 days of an event;
ŽŽ Verified Physical Attack or a Verified Threat of Physical
Attack from a third party;
ŽŽ The Insured Person has been deemed kidnapped or a
Missing Person by local or international authorities and,
when found, his or her safety and/or well-being are in
question within 7 days of his or her being found.
ŽŽ Weekly Pandemic Monitor: focused on infectious diseases,
changes in health policies and best practices in mitigation
and planning for travelers’ health and safety.
ŽŽ Monthly Intelligence Forecast: provides a more predictive
assessment of near-term geopolitical, security and
operational risks, allowing better planning on emerging risks
on a country basis.
ŽŽ Travel Tracker Tool: interfaces with an organization’s travel
itineraries and enables business managers to monitor, locate
and communicate with travelers; allows alerts and other
messages to be pushed directly to travelers vie e-mail, cell
phone or text message.
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Online Security Information
and Advice
Security Services
“In St. Petersburg with a poor grasp of Russian, I was obliged to go to an English-speaking clinic
and was quite worried as the bills added up for
my illness. CISI took care of everything without
any debating about co-pays or non-covered items.
They did a fantastic job that eased what could
have been a very painful and stressful number of
weeks. CISI should be commended for setting
the bar at such a high level of human service.”
A secure, web-based system for tracking
global threats and receiving location-based
risk intelligence including:
ŽŽ Up-to-the-minute travel alerts covering political
instability, civil unrest, disease outbreaks, crime
patterns and terrorism news from around the world.
ŽŽ Real-time, country-specific trip briefs for intended
travel destinations, including any safety and
security issues for that city, region or country;
helpful security tips; plus any security precautions
that should be adopted to avoid those risks.
ŽŽ Country-specific health information including trip
preparation advice and recommended medical
facilities around the world.
ŽŽ U.S. State Department Travel Warnings
—Lamar University
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ŽŽ Daily Intelligence Briefs: a daily in-depth analysis of
global events that provides program managers with
additional perspective on organizational impact.
Phone
24-7 phone access to trained security specialists and advisors.
They are available to provide advice for your safety-or securityrelated concerns. Discuss security events, their implications
and other security issues directly with regional and subject
matter specialists. Phone dialog gives you immediate advice
and support from a multi-disciplinary team with unparalleled
knowledge and expertise.
Tailored Advisory
Personalized security reports —advice specific to your itinerary
and risk profile sent within 24 hours of an inquiry being made.
Written and compiled by our regional analysts and security
experts, these briefings take into account key factors in
assessing the threats posed to an individual traveler.
Security Evacuation Response Service
An on-the-ground physical response to assist a member if found
to be in a life-threatening security situation, anywhere in the
world. This may include, but is not limited to: a terrorist incident,
a natural disaster or a serious, crime-related incident.
w w w. m y C I S I . c o m 1 5
myCISI : Easy-to-Use Online Tools
CISI Self-Enrollment Portal
CISI Client Portal
Save valuable staff time with our
automated direct enrollment program.
With this easy-to-use tool, your
students can:
An online tool customized for your
program. Simply log in and:
ŽŽ Enroll with a valid credit card
ŽŽ Upload enrollments
ŽŽ Obtain their personalized ID card
and consulate letter instantly
ŽŽ Search:
ŽŽ View account information
ŽŽ Online enrollments
ŽŽ Review coverage details
ŽŽ Claim status
ŽŽ Download claim forms
ŽŽ Invoices
ŽŽ Claim reports
CISI Participant Tools
Once enrolled, students can log in to:
“I have had to see CISI in action with students having a medical
emergency. I have never received a
complaint from students or parents
about support or reimbursement
problems. I am extremely pleased
with CISI’s coverage.”
—University of W isconsin
ŽŽ Coverage brochures and
claim forms for both current
and prior years
ŽŽ Create personalized:
ŽŽ Check coverage dates 24-7
ŽŽ ID cards
ŽŽ Create/replace personalized:
ŽŽ Consulate letter
ŽŽ ID cards
ŽŽ Consulate letter
ŽŽ Certificate of insurance
ŽŽ Certificate of insurance
ŽŽ Gain access to helpful links
and resources tailored to
your program(s):
ŽŽ Enter trip specific details for tracking
ŽŽ Links to U.S. Embassies
ŽŽ Purchase additional insurance
coverage
ŽŽ Consular information sheets
ŽŽ Gain access to helpful links and
resources tailored to your program :
ŽŽ CDC health and vaccination
information
ŽŽ Links to U.S. Embassies
ŽŽ Consular information sheets
ŽŽ Country profiles
ŽŽ English-speaking doctors
by country
ŽŽ Country profiles
ŽŽ U.S. State Department travel
warnings
ŽŽ CDC health and vaccination
information
ŽŽ Safety and travel tips
ŽŽ English-speaking doctors
by country
ŽŽ Emergency contact information
ŽŽ U.S. State Department
travel warnings
ŽŽ Personal security assistance data
ŽŽ Rosters of enrolled students
ŽŽ Safety and travel tips
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w w w. m y C I S I . c o m 1 7
05/2014
We’re here, we’re there, we’re everywhere!
EMERGENCY
MEDICAL
SECURITY
“CISI was extremely easy and very affordable. When I found out I would not have
insurance coverage for an overseas internship, I panicked. A friend recommended
CISI, and I was relieved to find out how easy it was to enroll and that it would be
affordable for a student doing an unpaid internship. I thankfully didn’t end up having to use it, but it definitely contributed to my peace of mind.”
—Student, Allison Shurilla
Cultural Insurance Services International 1 High Ridge Park Stamford, CT 06905 800.303.8120 Fax 203.399.5596 www.culturalinsurance.com