International Insurance

Insurance Options for Faculty/Staff Travelers

Faculty and staff who are enrolled in a UPlan medical plan are covered by Redpoint1, an emergency travel assistance program that can help with any type of travel-related emergency when you are 100 or more miles away from home or in a foreign country. Faculty and staff who are traveling abroad for University purposes may also purchase international travel, health, and security insurance through the University's plan with CISI.

Benefits and coverage vary between the two options. It is recommended that faculty and staff review their options carefully before traveling. The chart below compares the two plans. If choosing to rely on Redpoint, faculty and staff should review the details of the plan before traveling and be sure to carry the Redpoint contact information available at that website.

Plan Provision

CISI2

UPlan with Redpoint3

Cost
  • $11.25 per week up to 3 weeks
  • $43 per month
  • Billed to EFS Account
Included in Basic Life Premiums
Enrollment Enrollment facilitated by GPS Alliance staff following completion of Faculty/Staff Travel Registry Employees with Basic Life coverage receive assistance services only. UPlan enrollees receive medical plan benefits.
Prescription Drugs 100% coverage, no co-pays 100% after payment of copay(s): $10 generic, $30 formulary brand, and $75 non-formulary brand
Medical Deductible / Copays None Co-pays and deductibles vary based on UPlan option. Applies to in- and out-patient hospital and lab expenses only. Anyone using Redpoint is considered to be in-network when 100 miles or more away from home.
Payment for Services Most of the time, expenses are paid at time of service and reimbursed. CISI will assist with Guarantee of Payment with hospital/clinic for in-patient or higher cost services. Most of the time, expenses are paid at the time of service and then reimbursed, minus co-pay(s) and deductible(s). Redpoint will assist with Guarantee of Payment with hospital/clinic for in-patient or higher cost services.
Medical Plan Maximum $250,000 None
Limits on Return to U.S. 90-day limit of $10,000 after return to home country and then traveler's U.S. policy would take over UPlan covers home country costs with no maximum, except for those under natural disaster where a one-way ticket to home or host country is provided, at members's request.
Chiropractic Care $100 coverage per visit with 10 visits per injury or sickness and $1,000 overall maximum per injury or sickness Co-pays and deductibles vary based on UPlan option.
Mental Health Included with a maximum of $20,000 inpatient and $10,000 outpatient Co-pays and deductibles vary based on UPlan option.
Eyeglasses Up to $250 for the replacement of broken eyeglasses or lost contacts Annual eye exams covered, additional cost for those who wear contacts. Glasses or contacts not covered.
Dangerous Sports (including hang gliding, parachuting, bungee jumping, parasailing, or racing by horse, motor vehicle, or motorcycle) Included with $10,000 maximum Included with no maximum; standard co-pays and deductibles apply
Accidental Death and Dismemberment (AD&D) Included with $25,000 maximum Not included as a part of Redpoint; available through UMN life insurance program
Emergency 24-hour Travel Assistance (replacing lost or stolen travel documents, transfer of funds, legal referrals, and translations) Assistance included Assistance included; traveler to pay if costs incurred
Trip Interruption (death of a relative, damage to housing, etc.) Included with a $1,000 maximum, provided the individual meets certain criteria No coverage
Trip Cancellation/Program Refund Included with a $5,000 maximum, provided the individual meets certain criteria No coverage
Return of Mortal Remains 100% coverage of expenses 100% coverage of expenses
Emergency Family Reunion (after 72 hours of hospitalization of insured)
  • Round-trip transportation to join a hospitalized family member and hotel/meals (max $300/day) up to $10,000
  • Hospitalization minimum of three days
  • Redpoint arranges and pays up to $5,000
  • Hospitalization minimum of seven days
Coverage for Political & Natural Disaster Evacuations
  • Assistance
  • Maximum of $100,000 covered expenses per person
  • No annual aggregate or per occurrence limit
  • Transportation, protection, and related costs to nearest place of safety within 7 days of CISI evacuation notice (payable once per occurrence)
  • Fourteen days hotel and food during stay in nearest place of safety
  • Transportation and related costs within 14 days back to (a) host country, (b) home country, or (c) the U.S.
  • Redpoint arranges
  • Maximum of $100,000 covered expenses per person
  • Annual aggregate limit of $500,000, but self-insured through RUMINCO, and would be revisited if needed
  • Transportation, protection, and related costs to nearest place of safety within 7 days of Redpoint evacuation notice (payable once per occurrence)
  • Three days hotel at nearest place of safety
  • Transportation after natural disaster within 14 days; one-way ticket to home or host country, at traveler's request
Coverage for Emergency Medical Evacuation 100% coverage of expenses

Co-pays and deductibles vary based on UPlan option

Evacuation Orders CISI authorizes security evacuations in the event of a political, social, or natural emergency based on a variety of security sources. Redpoint and UMN authorize any evacuation in the event of a political, social, or natural emergency based on a variety of security sources.
Excluded Countries
  • U.S.
  • Home country of international faculty, staff, or students

Contact the GPS Alliance at global@umn.edu when traveling to embargoed countries: Cuba, Iran, North Korea, Sudan (North), Ukraine (Crimea), and Syria for additional requirements.

Locations (countries or locations within countries) designated by the U.S. Department of State as Travel Advisory Level 4 prior to your travel to the location

Updated January 2018


1formerly United HealthCare Global
2CISI covers all students traveling abroad for University purposes and is required for faculty/staff traveling with students (more)
3Contact the Office of Human Resources for more specific information or with any questions