AIFS Study Abroad Program Details

AIFS Insurance & Team Assistance Packages

Included in the program fee, AIFS provides a medical and program/tuition refund package to its study abroad students through its insurance division, Cultural Insurance Services International (CISI). CISI is the leader in providing the most comprehensive insurance coverage to the international education sector, currently providing insurance coverage, travel/technical/medical assistance and claim paying services to more than 150,000 international students and cultural exchange participants worldwide. The package covers students for the duration of their program, plus up to one month of independent travel after the program. AIFS regularly reviews and updates the insurance package and the details below are subject to change. Policy documents are available upon enrollment. Students will receive an individual insurance policy describing the coverage in detail. Please check this carefully as some exclusions and limitations apply.

Unlike other plans, the AIFS student plan settles claims abroad, in your host countryís respective currency. This facilitates immediate entry to a hospital for treatment. Treatments must of course be documented. The Resident Director helps with administrative matters concerning claims. Each campus has access to a doctor to handle minor ailments. The Resident Director arranges for students requiring treatment for more serious illnesses and accidents to receive immediate attention from the recommended university doctor and hospital in the area.

Medical and baggage insurance

Coverage is underwritten by Crum & Forster Segregated Portfolio Company. All claims are processed on a fast track basis by CISI staff.

The coverage includes the following:

  • Medical expenses while abroad
    The insurance covers medical bills up to a maximum of $250,000 for each medically covered illness or accident abroad. Pre-existing conditions are covered up to $500. Among items covered are treatment by a physician or surgeon, nurse fees, x-rays, ambulance, therapeutic services, operations, drugs and medicines prescribed by a physician, hospital room and board (semi-private accommodations).
  • Mental health coverage
    The insurance plan covers mental or nervous disorders up to $2,500 for outpatient treatment or up to $10,000 for inpatient treatment per lifetime.
  • Baggage insurance
    Personal effects are covered up to $3,000. Coverage for electronic equipment such as laptops and computers is provided up to $250. Some exclusions apply.
  • Return Airfare expense
    If you travel on an AIFS Study Abroad flight, this plan will cover the cost up to a maximum of $1,000 of your return air transportation on a regularly scheduled commercial flight (tourist class) to the original AIFS point of departure if you are unable to complete the program for any reason outlined under the program cancellation insurance. A certificate of illness from a physician, other than a relative or member of your household, is necessary in making claims.

The AIFS insurance program provides participants with a world-wide 24-hour emergency telephone assistance service. Multilingual help and advice may be furnished for the participant in the event of any emergency during the term of coverage. Assistance services include: Medical monitoring, prescription drug replacement/shipment, emergency message transmittals, coverage verification/payment assistance for medical expenses. Travel assistance services include: Obtaining emergency cash, travelers check replacement, lost/delayed luggage tracking, replacement of lost or stolen airline ticket, credit card/passport/important document replacement.

In addition your plan provides for:

  • Emergency Medical Evacuation/Repatriation
    Emergency Medical Evacuation/Repatriation The Company shall pay benefits for Covered Expenses incurred up to $100,000, if any Injury or covered Illness commencing during the Period of Coverage results in the Medically Necessary Emergency Medical Evacuation or Repatriation of the Insured Person. The decision for an Emergency Medical Evacuation or Repatriation must be ordered by the Assistance Company in consultation with the Insured Person’s local attending Physician.  
  • Return of Mortal Remains or Cremation
    The Company will pay the reasonable Covered Expenses incurred up to $50,000 to return the Insured Personís remains to his/her then current Home Country, if he or she dies.
  • Trip Delay Benefit
    The Company will pay covered expenses of up to $1,000 limited to $250 per day if a studentís trip is delayed for more than 12 hours. (Covered reasons are outlined in the brochure.)
  • Security Evacuation
    The Company will pay reasonable covered expenses up to $100,000 in the event of:
    • Expulsion from Host Country
    • Political or Military Events
    • Physical attacks or threats
    • Kidnapped or Missing Persons
  • 24/7 access to trained security specialists
    Advice and intelligence for over 160 countries and 80 cities worldwide
    • Personalized security reports
    • On the ground physical evacuation response service

Optional Worldwide Trip Protection Plus Package

Students also have the option of purchasing CFAR (cancel for any reason) and IFAR (interruption for any reason) package called Worldwide Trip Protection Plus. This coverage may be purchased to bolster your existing coverage with CISI as a program participant. There is no pandemic or epidemic exclusion written into this package so this coverage will provide an added layer of protection for COVID-19 or any other similar emergencies in the future. Visit for details.