Study Abroad Insurance

All Luther students, while abroad, are required to enroll in an international insurance policy. Students on Luther study abroad programs are enrolled in an accident and sickness insurance policy through CMI/ACE American Insurance Company. For students participating in programs administered by an outside institution or third-party provider, coverage is generally provided by the institution/third-party provider. If program coverage is not sufficient, students may enroll in Luther’s CMI/ACE American Insurance Company policy.

The policy covers the following:

  • General accident and sickness medical coverage while outside the U.S.
  • Emergency medical evacuation benefit
  • Emergency reunion benefit
  • Repatriation of remains benefit
  • Accidental death and dismemberment benefits

In addition, Luther has selected five supplemental benefits directly related to travel:

  • Security evacuation expense benefit
  • Trip cancellation benefit
  • Trip cancellation benefit—terrorism
  • Trip delay benefit
  • Trip interruption benefit

Finally, the insurance policy provides for 24/7 global travel assistance for enrolled individuals. Travel assistance is provided through FrontierMEDEX and their Emergency Response Center.

The Related Documents section of this page provides details on the insurance coverage for students enrolled in Luther's CMI/ACE policy and a summary of services provided by FrontierMEDEX and their travel assistance program.

Cliffs of Moher