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California State University, Long BeachCalifornia State University, Long Beach

ADMINISTRATIVE GUIDELINE

Foreign Travel Insurance Program

PURPOSE AND SCOPE

University faculty, staff, employees and students are required to purchase Foreign Travel Insurance Program (FTIP) insurance through the Office of the Campus Risk Manager via the California State Risk Management Authority (CSURMA) prior to departure for international destinations on University related business, university related courses, or travel study abroad. CO Memo. RM 2011-03, Foreign Travel Insurance Program—Requirements to Purchase and EO 1041, CSU-Student Travel.

GUIDELINE STATEMENT

University Business

For purposes of FTIP, University business includes University faculty, staff, employees, or students, sponsored or employed by University Departments, conducting academic coursework, field research, attendance at professional conferences and attendance at meetings and teachings. University business must be evaluated and approved by the required department before FTIP coverage can be purchased through the Risk Management Office.

FTIP Scope of Coverage

The coverage territory of FTIP is anywhere in the world excluding the United States, its territories or possessions; the territorial waters of the United States, or those countries, jurisdictions and/or territories against which the government of the United States of America (including any department or subdivision thereof) administers and/or enforces economic and/or trade sanctions.

In all cases, countries designated by underwriting as high hazardous/war risk countries require underwriting approval and additional premiums. The underwriter may request additional information as deemed necessary.

The California State University’s comprehensive foreign travel insurance coverage includes but is not limited to general liability, excess auto liability, primary medical expense, emergency medical benefits, emergency medical evacuation, repatriation of remains, political evacuations and repatriation benefit war risk coverage, accidental death and dismemberment benefit, lost luggage, and passport replacement. Coverage is also provided for work related injuries, employers and director’s liability and benefits recovery. FTIP does not cover high risk activities, such as, but not limited to, hang gliding, scuba diving, and white water rafting.

Others Who Can Purchase FTIP Coverage

All Affiliate Groups may elect to require the purchase of FTIP coverage through the organization’s designated funds for the organizations’ employees, faculty or staff. Spouses may also elect to purchase FTIP coverage at their own expense, prior to departure.  Contact the Risk Management Office for further assistance.

All other individuals requesting FTIP coverage must contact the Risk Management Office to determine eligibility for the program and cost assessment for FTIP coverage.

General Cost of Coverage

Insurance premiums for FTIP are based on the duration of the trip, type of traveler, location of travel and the total number of participants. Most current rates are available online or by contacting the Risk Management Office. Rates for countries on the US State Department Travel Warning List or high hazard/war risk countries require underwriter approval and additional premium costs. Upon request, the Risk Management Office can request a nonbinding quote to assist with estimation of budgetary needs.

Other

Faculty or staff may be required to provide Air Travel Notification & Release and Hold Harmless Statement and/or Medical Disclosure and Assumption of the Risk Statements for both domestic and foreign travel destinations. EO-1051, CSU-Use of Approved Waiver of Liability.

Students will also have to provide basic information including name, contact information, program, emergency contact information, date of birth, student ID number and major. In addition, all students studying abroad are required to procure and have medical insurance valid in the host country and sign a liability release for the approving department to maintain on file. EO-1051, CSU-Use of Approved Waiver of Liability.

Please contact Felissa Waynick at (562) 985-2396 or felissa.waynick@csulb.edu if you have any questions.

ADDITIONAL CONTACTS

Subject Contact Phone Email
Primary Guideline Contact Felissa Waynick (562) 985-2396 felissa.waynick@csulb.edu
Secondary Guideline Contact Karla Salas-Ramirez (562) 985-8333 karla.salas-ramirez@csulb.edu

FAQ

When does FTIP become effective and when does it terminate?

FTIP coverage lapses when employees, staff, faculty and students are engaging in independent international travel including when those individuals (1) voluntarily choose to extend their stay abroad for a period of time greater than 72 hours before or after their foreign University business commences or ends or (2) leave their destination country to visit another country. Therefore, it is recommended that all participants maintain health insurance coverage for any anticipated periods of travel not covered by FTIP including travel in the United States, during actual air travel, and any travel outside of the designated foreign country(ies).

What if I fail to purchase FTIP?

Faculty, staff or employees requesting travel authorization for themselves or for students are ultimately responsible to ensure that FTIP is bound prior to leaving for any foreign travel. Due to the inherent risks associated with international travel, if the CSU’s FTIP coverage is not obtained prior to departure, the international travel will be considered unauthorized and FTIP coverage will be unavailable during or after the travel event has occurred.

How is the FTIP premium paid?

The Risk Mangement Office is charged by the insurer for all FTIP premiums. The Risk Management Office recharges the Chartfield department accounts for the foreign travel insurance premium cost when coverage is bound. The Risk Management Office is unable to accept alternate forms of payment (i.e. check, cash, credit card, etc.). The Risk Management Office requires that departments provide their department Chartfield account number once insurance has been bound.

Travelers that wish to recharge the travel insurance expense to their ORSP research grant instead of the Department approving travel should contact ORSP or their Grants Administrator to determine if such coverage is available during the Pre-Award and Compliance stage.

May I use my personal lines of insurance (i.e. health/medical, homeowners, auto, etc.) in lieu of the CSU’s foreign travel insurance to provide for unexpected University international travel loss or expenses?

No. Most personal lines of insurance do not carry the same high insurance coverage limits and comprehensive executive assistance services offered through the CSU’s Foreign Travel insurance Program (FTIP). The FTIP policy is exclusive to CSU employees and students and exceeds the insurance limits and benefits of most insurance policies available through any travel agency. The FTIP is unique in that it provides immediate and comprehensive worldwide assistance available 24-hours a day, 7-days a week to ensure that all CSU employees and students have comprehensive coverage for any loss, injury or illness while traveling abroad.

What happens if I have a claim?

If you have a claim or question about whether you have a claim, please contact the Risk Manager as soon as possible at (562) 985-2396 as well as the travel hotline listed on the travel assist card.

What if I cannot reach the Risk Manager, who can I call?

In the event that your Risk Manager is unavailable to assist, please call Karla Salas-Ramirez in the Risk Management Office at (562) 985-8333.

HISTORY

Issue Date: May 9, 2011

Last Review Date: May 2, 2011

Amended Date: February 23, 2015