Eastern Michigan University Travel Insurance Guidelines
*Not available for JCMU and Spanish Studies Abroad Programs
CMI Insurance, a part of the FrontierMEDEX family, is dedicated to protecting study abroad participants, foreign exchange students, and international travelers.
We work with colleges, universities, study abroad companies and organizations, high school exchange programs, Rotary Clubs, business groups, and more,
providing international medical insurance products backed by FrontierMEDEX's 24/7 travel, medical and security benefits. CMI Insurance has served the
international community since 1971. We are a member of the Council of Standards for International Educational Travel (CSEIT), the Forum on Education
Abroad, and are Global Partners with NAFSA, the association for international educators.
Contact Us
CMI Insurance
8501 LaSalle Road, Suite
200
Baltimore, MD
21286
Phone: +1-410-583-2595
Toll-free: 1-800-586-0753
Fax: +1-410-583-8244
info@cmi-insurance.com
Travel Assistance
Travel Assistance: Anytime you travel, it's good to know you have
someone to call for help - whether you've lost your passport or need a
legal referral. All CMI products are backed by the FrontierMEDEX travel
assistance services.
Pre-travel Information - Upon request, FrontierMEDEX will provide
destination information covering weather, currency, and culture.
Emergency Travel Arrangements - In the event of an illness or
injury, FrontierMEDEX will make new reservations for airlines, hotels,
and other travel services as needed.
Transfer of Funds - Upon security funds from the traveler or their
family, FrontierMEDEX will provide an emergency cash advance to the
traveler.
Assist in the Replacement of Lost or Stolen Travel Documents Travelers can contact FrontierMEDEX for assistance in replacing
passports, tickets, and other important travel documents.
Legal Referrals - Should a traveler require legal
assistance, FrontierMEDEX will direct them to an attorney and assist in
securing a bail bond.
Translation Services - In an emergency, FrontierMEDEX can provide
immediate translation services in a variety of languages. We can also
provide
referrals to local interpretation services.
Message Transmittals - Travelers may send and receive emergency
messages through FrontierMEDEX.
Contact the Claims office
at:
Administrative Concepts, Inc.
(ACI)
994 Old Eagle School Road
Suite 1005
Wayne, PA 19087-1802
Telephone: 610-293-9229,
888-293-9229
Fax: 610-293-9299
aciclaims@visit-aci.com
FOR EMERGENCY CLAIMS—CALL FRONTIER MEDEX COLLECT AT 1-410-453-6330
Medical Assistance Services
Worldwide Medical and Dental Referrals - We will provide referrals to help you locate appropriate treatment or care.
Monitoring of Treatment - When you use our services during a medical situation, we will continually monitor your case until you are
either healthy or transferred to your home hospital. Our Medical Director, Nurse Managers and Physician Advisors review and analyze each
situation to ensure the quality of care.
Facilitation of Hospital Payment - Upon securing payment or a guarantee to reimburse from your insurance provider, we will coordinate
payment to the treating facility.
Transfer of Insurance Information to Medical Providers We will assist with hospital admission to help prevent delays or denials
of medical care.
Coordination of Medication, Vaccine and Blood Transfers - In the event medication, vaccines, or blood products are not locally
available, or a prescription medication is lost or stolen, we will coordinate the transfer to you.
Assist in the Replacement of Corrective Lenses and Medical Devices - We will arrange for the replacement of corrective lenses or
medical devices if they are lost, stolen or broken during travel.
Dispatch of Doctors and Specialists - In an emergency where you cannot be adequately assessed by telephone for possible evacuation and
local treatment is not available, we will send an appropriate medical practitioner.
Medical Records Transfer - With consent, we will transfer medical information and records to your or your treating physician.
Continuous Updates to Family, Employer, Home Physician - With consent, we will notify appropriate individuals of the situation, in
order to keep them informed.
Hotel Arrangements for Convalescence - We will assist you with hotel stays and room requirements before or after hospitalization.
Medical Evacuation Services
Paid Emergency Medical Evacuations - If you are injured or become ill and adequate medical care is not available, we will arrange for a
medically supervised evacuation to the nearest facility capable of providing treatment.
Paid Transportation to Join a Hospitalized Member - If you are alone and hospitalized, we will coordinate for a family member to join
you.
Paid Return of Dependent Children - If children are left unattended due a medical emergency, we will coordinate and pay for their return
home, accompanied by a qualified escort if necessary.
Paid Transportation After Stabilization - Following an emergency medical evacuation and stabilization, we will coordinate for you to
return to your point of origin or your home country.
Paid Repatriation of Mortal Remains - Should you pass away while away from home, we will arrange for your remains to be returned to
your home country.
APA EMERGENCY NUMBER
Only contact in the event APA Office cannot be reached or are calling after office hours
1+734.627.7599
Emergency Protocol for Students
Medical Emergency:
 Seek immediate medical attention at the nearest medical facility.
 Notify the program director/coordinator about any medical emergency, and that
 The program director/coordinator will contact APA.
This information will be treated with the strictest confidentiality, and will be shared by the program director/
coordinator on a “need to know” basis only. If the crisis involving the student is grave enough to jeopardize his
or her safety or wellbeing, the emergency contact he/she has provided at the time of registration will be informed.
Non-Medical Emergency Protocol:
 Seek immediate safety.
 Contact the program director/coordinator. Their responsibility is to make sure that you are safe.
 The program director/coordinator will be in touch with APA and will recommend appropriate steps
depending on the situation.
 Follow the program director/coordinator’s instructions.
During a political crisis or some other emergency during which foreigners in general or U.S. citizens in particular
may be at risk, keep a low profile; avoid demonstrations, confrontations or situations where you could be in
danger; avoid behavior that could call attention to yourself; avoid locales where foreigners or U.S. Americans are
known to congregate; and take down signs, avoid using luggage tags and wearing clothes that would label you as
U.S. Americans.
If separated: If you are unable to make your flight, contact APA as soon as possible. APA will be in contact
with your program director/coordinator to let them know of any new arrangements. If separated from program
itinerary; it is recommended that you proceed to the next planned program location and wait for your group. If
this is not an option, you should return to your accommodations and contact program director/coordinator.
How to use UnitedHealthcare Global Services:
 Members must always carry their United Healthcare Global ID card with them when traveling 100+ miles
from home or in a foreign country.
 If a trip participant has a medical, travel or security problem, call United Healthcare Global. If anyone on
your trip is experiencing a medical emergency, the member should immediately go to the nearest physician
or hospital before calling United Healthcare Global.
 Printed on the ID card are toll-free phone numbers for United Healthcare Global. Call the number for the
country in which you are located. If your current location is not listed, call the United Healthcare Global
Emergency Response Center collect at 1-410-453-6330.
 When you call, be prepared with as much of the following information as possible: your name, your organization’s name (Eastern Michigan University) and UnitedHealthcare Global ID number from the front of the
card, a description of the situation, and a phone number to reach you.
 A multilingual Assistance Coordinator will render whatever assistance is necessary, and United Healthcare
Global Emergency Response Team will monitor your case until the situation is resolved.
 In the case of a medical emergency, be sure to follow the Eastern Michigan University’s protocols for
emergencies.