Travel Insurance

Enrollment in CISI is mandatory for all University-affiliated international travel. Enrollment must be completed using your UofL email address. Please note that CISI will not cover personal time.

Travelers must be covered for outgoing / return flights and the duration of their university affiliated time abroad.

1. There is one main plan that will come up for individual travelers called the Worldwide Trip Protector (WTP) plan. This base plan has over 20 triggers for trip interruption and cancellation (as well as additional coverage for things like trip delay and baggage). If the traveler’s reason for cancelling/interruption a trip fits within one of these triggers (like unforeseen quarantine!), they may be eligible for reimbursement up to 100% (cancellation) or $150% (interruption) of the non-refundable trip cost.
2. In addition to the base plan, there are several optional plan upgrades, including optional Cancellation for Any Reason (CFAR) and Interruption for Any Reason (IFAR). Residents of New York are only able to purchase CFAR but not IFAR. Travelers must enroll in the plan within 21 days of making their first non-refundable trip payment in order to qualify for CFAR or IFAR. These benefits will cover up to 75% of non-refundable trip costs.
3. If your trip is less than 30 days with insured costs of less than $10,000, a more affordable and scaled down option called Worldwide Trip Protector Lite (WTPL) is available. This option has more limited benefits and does not allow for CFAR or IFAR.

More information can be found in the insurance documents below:

• WTP Policy: The 20+ standard Trip Cancellation/Trip Interruption triggers can be found pages 8-13. Please note that residents of certain states may have slight wording variations. It is important to refer to your specific coverage document link when reviewing your plan prior to purchase.
• A Summary of the WTP Benefits
• WTPL Policy
• A Summary of the WTPL Benefits
• Plan Comparison Between WTP and WTPL Plans

Group Trips

Groups of at least 10 travelers going to the same place for the same dates may be eligible for the plans listed below, which are more cost-effective than the above plans. For groups where fewer than 10 travelers wish to purchase Cancel For Any Reason (CFAR) coverage, the travelers must purchase individual CFAR coverage mentioned above. Please note that CFAR is not available to residents of New York for group plans.  

There are two different plan options for group trips. CISI must “register” the study abroad group in their partner Travel Insured International’s (TII) system 95 days before the trip departs. Please email us if you are interested in setting up a group plan.  Once the group is set up, travelers can enroll via a special link that will be sent to them prior to departure. They must enroll prior to making their final trip payment.

Here are the plan options for groups: 

1)   Student Basic with CFAR: This plan has the same 20+ standard Trip Cancellation and Trip Interruption triggers as the individual WTP plan AND also includes CFAR but no IFAR. The maximum amount that can be insured on this plan is $10,000.  See the plan details here and the plan overview here. In order for the group to qualify for the prices indicated, 80% of the participants must be age 35 or under. Otherwise, the plan rating will be based on trip cost and not on age or state of residency. Please note that, per TII, there will be some changes in rates and benefits coming in May or June 2021.  Trips registered before these changes happen are supposed to be able to lock in on the current rates for travel happening this year.

2)   Group Deluxe with CFAR: This plan has the same 20+ standard Trip Cancellation and Trip Interruption triggers as the WTP plan, AND includes CFAR but no IFAR.  The maximum amount that can be insured is $20,000. See the plan overview here.  Please note that, per TII, there will be some changes in rates and benefits coming in May or June 2021.  Trips registered before these changes happen are supposed to be able to lock in on the current rates for travel happening this year.

Additional Information

• As a reminder, travelers can only insure their non-refundable travel expenses. This may include things like airfare, lodging, meals, and excursions. Insureds will need to provide proof of these costs at the time of claim, so an itemized breakdown from the program may be needed.
• CFAR options are available on ALL plans (individual via CISI website (link) and group-enrollment options).
• IFAR is only available via the individual CISI website (link) plans
• CFAR or IFAR benefits pay up to 75% of the trip cost insured if the trip needs to be cancelled or interrupted due to an insured’s reason (i.e. cold feet, COVID concerns), since the plans are covering the insured and not the school or program.
• CFAR starts the day after purchased and goes until 48 hours before scheduled departure date of trip.
• IFAR starts 72 hours after scheduled departure date of trip and goes until scheduled return date.
• There are additional benefits on all plans (like Trip Delay due to quarantine) that may be helpful.
• These supplemental travel policies are long and complex, so it’s important that those interested in purchasing read the plan documentation in order to make an informed decision.
• TII has a dedicated CISI number where students/employees with questions about the plan benefits can call. This number is 855-0918.
• We encourage you to read this FAQs (link to FAQ document) from the insurance underwriter, Crum & Forester. This document covers many specific COVID-19 questions and concerns.