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 Effective Aug. 1, the University of Missouri System is transitioning to a new international insurance and assistance provider. Your coverage will be through the new CAC insurance program, which provides 24/7 access to medical, travel and security assistance services through Chubb/AXA/Crisis24 Horizon. 

The cost for students is $46 per month of international travel. If you are traveling through the travel registry, on 'non-study abroad' travel, you will be billed after the completion of your travel registry with the regular tuition billing cycle to your Joes's account. If you are traveling through a study abroad program, talk with your study abroad advisor for billing information.

Review the Chubb Travel Assistance Starter Guide for information about included services. Follow the instructions to create an account and access online tools through the Chubb Travel Portal. You can access the same information by downloading Crisis24 Horizon mobile app for Android or iOS.

Prior to departure, CAC insurance can assist with planning for your health needs and provide guidance to quality health care in your host country to avoid any disruption in care. This may include consulting with clinicians before you depart to help you understand what to expect in your host country. Call AXA to begin the planning process. 

While abroad, CAC insurance can assist with locating qualified physical and mental health care professionals from their global list of recommended providers. They will also work with health care providers to arrange a guarantee of direct payment where possible, so you do not have to pay out of pocket at the time of treatment. If a guarantee of direct payment is not possible, CAC will assist you with the reimbursement process. 

Prescription medications: It is not possible to fill prescriptions written in the U.S. in other countries. In addition, it is not legal to mail medications from the U.S. to other countries. It is your responsibility to verify that any medication you are taking is legal and available in your host country, as well as in countries where you plan to travel. For example, some medications for treatment of attention deficit disorder that are commonly prescribed in the U.S. are neither available nor legal in several other countries, including those in the European Union. The U.S. Department of State recommends that U.S. citizens with questions about the legality of medications in other countries directly contact the embassy or consulate of that country. The CDC also provides guidance about traveling abroad with medicine, and you can contact AXA for information about bringing prescription and non-prescription medications abroad. 

Additional considerations if you are taking prescription medications abroad: 

  • Plan to take enough medication for your entire time abroad. This often will require you to plan ahead and work with your doctor and insurance to obtain enough medication for the duration of the program.    
  • Bring medication in its original container. 
  • Bring your prescription medication in your carry-on luggage. 
  • If you take prescription medications on a regular basis, you should obtain a note from your doctor(s) with the generic (chemical) name of the medication, dose and reason you take it and carry it with your medication. 
  • CAC insurance provides prescription medication benefits. Refer to the Chubb Travel Portal for additional information about these benefits. In addition, CAC insurance is generally able to assist with helping obtain replacement medication if your prescription medications are lost or stolen abroad.  

Liquid medications: If you are taking liquid medication abroad with you, it is important to be familiar with the U.S. Transportation Security Administration guidelines for carrying liquid medications onto airplanes. 

Allergies: Depending on the severity of your allergies, it may be appropriate to always carry written information regarding your allergies with you, to wear a medical alert tag or carry an EpiPen or rescue inhaler. Carry written information translated into the local language(s) of your host country(s) in the event you are unable to communicate otherwise.  

Contingency planning: Mild physical or psychological disorders may become more serious under the stress of life in an unfamiliar environment. Because of this, we advise you to develop a contingency plan detailing how you will manage your medical condition abroad if the need arises. In the past, students have found it useful to work with their physician or other appropriate health care professional to develop these plans. In addition, we strongly recommend that you discuss this plan with your family and other members of your support network. 

Continuing care: CAC insurance can help arrange continuing care prior to departure. For example, students who require regular medical care while abroad, including counseling, blood work, physical therapy, allergy shots, etc., can continue such treatment without interruption with advance planning. CAC insurance provides information about English-speaking doctors and pharmacies around the world. You can locate a health care professional prior to going abroad through the Chubb Travel Portal.  

Stay safe and healthy while abroad.  Review the Student Health Center guide for staying healthy while abroad. 

 

Travel health resources 

Visit the Student Health Center for information and recommendations for travel and study abroad. Travel education, immunizations, medications and physicals are available to S&T students planning to travel abroad. Emphasis is placed on prevention of illness and safety during travel. 

The following websites provide medical recommendations for travel, and may also be useful in assisting you in locating medical services while abroad: