Texas Tech University

Study Abroad Insurance

Students participating study abroad programs at Texas Tech will automatically be covered for health, accident, emergency evacuation, and repatriation of remains. Insurance coverage depends on the program location and is mandatory, even if students are covered by another policy.

Students may elect to purchase Cancel and Interruption For Any Reason (CFAR/IFAR) insurance. There are several CFAR/IFAR options to choose from, but TTU has vetted a policy through InsureMyTrip.com.

Sanitas: Mandatory Insurance for Programs Hosted by the TTU Center in Sevilla

Students participating on a program hosted by the TTU Center in Sevilla, Spain, will receive health and accident insurance coverage from Sanitas. Evacuation and repatriation of remains coverage is provided by OnCall International. The cost of the insurance coverage is included in the program fees. Students do not need to enroll in the either insurance policy, as this will be done by the TTU Center staff members.

Students may also purchase an ISIC card, which offers additional insurance coverage and discounts on local attractions. Purchase on an ISIC card is optional.

Questions about the insurance policies for programs hosted by the TTU Center in Sevilla, Spain, should be directed to the Administrator of the TTU Center in Sevilla.

OnCall International: Mandatory Insurance for All Programs

Regardless of other insurance coverage provided or available, all students receive insurance coverage under a group policy contracted by the Texas Tech University System. For details of the coverage provided, please see the Texas Tech University Program Summary Document. The insurance policy is provided by OnCall International. The policy has no deductible, no co-pay, and no network. Students can learn more about the coverage by watching a short YouTube clip.

Students will be enrolled in the OnCall International insurance policy by the TTU Study Abroad Office and will be billed for the policy through Student Business Services. The invoice amount is calculated using the number of days in the program and coverage costs $2.57 per day.

For additional information, log into OnCall International's Portal.

Questions about the OnCall International insurance policy can also be directed to your Study Abroad Counselor/Engineering Program Manager or OnCall International. 

Coverage Before/After Your Study Abroad Program

TTU recommends that students who plan to travel before or after their study abroad program have insurance coverage for the additional, personal travel. Students who wish to travel before or after their program must purchase additional coverage separately.

Cancel and Interruption For Any Reason Insurance Coverage

Students may elect to purchase Cancel and Interruption For Any Reason (CFAR/IFAR) insurance for domestic or international travel as a way to protect your investment.

Texas Tech University is pleased to announce a new initiative to improve travel opportunities for students, faculty, and staff traveling abroad. We have partnered with InsureMyTrip.com for you to be able to purchase a travel protection plan, which includes travel insurance coverages for trip cancellations and interruptions due to covered reasons with the option to add Cancel for Any Reason coverage* to help protect the financial investment of academic travel. This plan does not duplicate nor replace the OnCall travel plan

The Academic Explorer plan is designed to offer financial protection in the event the traveler must unexpectedly cancel or interrupt their trip. There is no requirement to buy this coverage which is available at the traveler's expense.   

Optional Cancel for Any Reason coverage is available in most states when certain conditions are met*, giving the traveler the flexibility to cancel their trip up to two days prior to departure. 

We recommend those who study or travel abroad consider enrolling in the travel protection program. This program can be accessed to secure a quote online at InsureMyTrip.com

Please note that coverage is limited to trips having a maximum expense of $25,000. For important disclaimers please review the Academic Explorer brochure. *Conditions for Cancel for Any Reason eligibility: Plan must be purchased within 15 days of the date the insured's initial trip payment is received, all subsequent travel arrangements must be insured in full within 15 days of payment, and cancellation must be no later than 2 days prior to the scheduled departure date of the trip. Cancel for Any Reason is available at an additional cost.  

As you consider purchasing CFAR/IFAR insurance coverage, make sure you know the following:

  • What is and is not covered – specifically in relation to COVID-19 and pandemics since not all CFAR/IFAR insurance policies cover COVID-19 or pandemic diseases
  • Your airline's flight cancellation refund policy
  • Your program's cancellation and refund policies
  • The payment terms for all elements of your study abroad program including items such as your housing contract, the cost of housing, and when deposits and expenses are owed for your housing

Ready to Enroll in CFAR/IFAR Insurance?

Secure a quote online at InsureMyTrip.com. Consult the Academic Explorer brochure for further details.


If you have questions about non-refundable expenses and payment deadlines, please contact your Study Abroad Counselor/Engineering Program Manager, or your program provider.

If you have questions about the optional, recommended CFAR/IFAR coverage, please consult InsureMyTrip.com directly.

All other insurance-related questions may be directed to Whitney Longnecker, Director of Study Abroad, at whitney.longnecker@ttu.edu.