Cultural Insurance Services International (CISI)

CISI's core business is study abroad, not general travel insurance, and it shows in the details: every policyholder gets a named Emergency Coordinator and Account Executive rather than a general call center, and the company's in-house claims team handles the kind of situations a study abroad office actually deals with, a student needing a prescription refilled abroad, a group program needing to evacuate early, a parent needing a status update at 3am their time.

Coverage includes emergency medical treatment, evacuation and repatriation, and mental health support, with pricing that scales by trip length and starts affordably for students 25 and under. CISI also insures inbound students, scholars, and visiting groups coming to the US, not just Americans going abroad. Because many university study abroad programs specifically list or require CISI, it's worth checking with a program office first, since a school-negotiated group rate may already be built into program fees.