The University of Missouri requires that each student participating on a Mizzou study abroad or university-related international travel program maintain broad health and accident insurance, including emergency travel insurance, during the entire duration of their program. To comply with this requirement, the Mizzou requires all participants to be enrolled in CAC insurance, the university’s international insurance and assistance program that includes:
- Chubb: Medical and accident insurance
- AXA: 24/7 global medical and travel assistance services
- Crisis24 Horizon: Online travel security information, destination intelligence and emergency alerts
Insurance enrollment
Mizzou study abroad programs
All students participating on Mizzou study abroad programs are provided with CAC insurance cards and the cost of insurance is billed directly to students’ Mizzou accounts.
Non-MU programs
Mizzou cannot independently verify sickness and accident insurance coverage provided by non-MU programs. To ensure that students are adequately covered while abroad and to facilitate the university’s ability to provide assistance in cases of emergency, students participating in non-MU study abroad programs are provided with CAC insurance cards and the cost of insurance is billed directly to students’ Mizzou accounts.
University-related international travel
To ensure they are adequately covered while abroad and to facilitate the university’s ability to provide assistance in cases of emergency, students participating in any university-related international travel — whether independent or with a group — are required to purchase CAC insurance. In addition, non-enrolled participants accompanying any Mizzou study abroad program, with the exception of spouses and dependent children of Mizzou faculty/staff, are required to purchase CAC insurance.
As of Aug. 1, 2026, the cost for CAC insurance is $46 per short-term/semester program or university-related international trip. Instructions for purchasing CAC insurance and providing proof of payment are provided through your mandatory registration in the International Travel Registry.
International health insurance
In addition to providing broad sickness and accident coverage, CAC insurance provides emergency travel medical coverage, including medical evacuation and repatriation of remains, which generally is not provided by domestic insurance policies. CAC will assist with locating qualified physical and mental health care professionals from their global list of recommended providers. In addition, they will work with health care providers to arrange a guarantee of direct payment where possible, so you do not have to pay out of pocket at the time of treatment. If a guarantee of direct payment is not possible, CAC will assist you with the reimbursement process. Prior to departure, CAC insurance can assist students in establishing treatment for ongoing medical conditions while abroad (including health care provider appointments and continuing medications). For an overview of the features and benefits of this plan, review the starter guide.
Coverage highlights
- Zero deductible, no co-pays, no co-insurance
- Pre-departure consultations
- Routine, non-emergency care (including appointment assistance)
- Continuing services needed for pre-existing conditions (such as physical therapy, allergy shots, counseling, routine blood work, etc.)
- Treatment for accidents, injuries, illness, etc.
- Mental health services (including counseling/therapy)
- Prescription medications
- Care coordination and quality assurance
- Remote counseling and telehealth services
In event of a medical emergency, go immediately to the nearest physician or hospital.
Additional benefits requiring pre-approval from CAC insurance
- Emergency family travel arrangements
- Medical evacuation
After enrollment
After you have received your CAC insurance card, you should go to the Chubb Travel Portal and create an account to access online medical and safety information. You can access the same information by downloading the Crisis24 Horizon mobile app for Android or iOS.
In the event of a medical emergency, go immediately to the nearest physician or hospital and contact AXA at +1 630-776-7757 (collect calls accepted).
Emergency security evacuation insurance
CAC insurance includes emergency evacuation in case of a political emergency or natural disaster, and real-time security intelligence. Find more information about these services in the Chubb Travel Portal or Crisis24 Horizon mobile app for Android or iOS.