Policies, Procedures & Insurance

Know Before You Go

Studying abroad comes with important responsibilities and we want you to know what to expect before you commit to a program. Here you will find information about program payments and refunds, withdrawals, academic expectations, student conduct, health and safety, insurance coverage, accommodations, travel, housing, and other policies that apply to American Councils participants.

Program Costs, Payments & Refunds

We understand that circumstances can change after you apply or accept a position on a study abroad program. Because American Councils begins making program arrangements and incurring costs on a participant's behalf well before departure, the amount that can be refunded depends on when a participant withdraws.

Non-Refundable Deposit

A $1,000 non-refundable deposit is required to hold your place on an American Councils program. Your acceptance letter will include the deadline for submitting your deposit. The deposit is part of the total program cost and will be applied to the amount due for the overall program cost.

Need additional flexibility? Participants may request a payment plan in writing.

Payment plans can offer flexibility in payment amounts and dates, but the full program cost must be paid by the end date of the program. Once a payment plan is approved, missed payment deadlines are subject to the standard late-payment fees. Academic-year participants may pay their program cost in two installments: the fall semester cost by the invoice due date and the remaining balance before the start of the spring semester.

Late Payment Policy:

Less than 14 days after the payment deadline $300
More than 14 days after the payment deadline $300 + 0.01% per day of the unpaid balance for each day after the 14th day

Credit Card Transaction Fee Policy:

Participants who pay by credit card are charged an additional non-refundable 3% transaction fee.

More than 30 days before your program start date:

$1,000 non-refundable deposit, no other program fees owed.

8–30 days before your program start date:

$1,000 non-refundable deposit + 50% of the total program cost

Less than 8 days before your program start date:

$1,000 non-refundable deposit + 100% of the total program cost

While on program:

$1,000 non-refundable deposit + 100% of the total program cost.

If I have to be medically evacuated while on program:

$1,000 non-refundable deposit + 100% of the total program cost. Accommodations will be made to help the student finish their courses online.

Important Notes:

Your official program start date is the date listed in your acceptance letter.
After the amount owed has been determined, American Councils will refund any remaining balance or issue an invoice for outstanding funds. When applicable, refunds will be processed according to billing agreements between American Councils and your home institution.
Please note: Your college or university may have its own withdrawal and refund policies in addition to American Councils policies.

Scholarships & Withdrawal

If you receive financial aid from American Councils and withdraw from your program, all scholarship funds received must be returned to American Councils within 14 days of your withdrawal notification.
Refer to your individual award documentation for information about returning scholarship funds and any circumstances under which an award may be prorated.

Withdrawal & Academic Credit

Students who withdraw before completing their program may also be ineligible to receive full or partial academic credit.

Program Defferral:

Students can opt to defer on their program acceptance by submitting written notice to American Councils. Deferrals can be used for any term within the next calendar year of program acceptance. The non-refundable program deposit will be transferred to your deferral program. Example: a Summer 2026 applicant could defer to Fall 2026, AY 2026-27, Spring 2027, or Summer 2027.

If Cancelled On or Before the Start Date

If American Councils cancels an in-person program, participants will be notified immediately in writing. The date of that written notification will serve as the official cancellation date.
If your program is cancelled on or before the program start date, American Councils will refund any program-fee payments you have made, excluding the non-refundable deposit.

If Cancelled After the Start Date

If your program is cancelled after the program start date, American Councils will refund all recoverable costs.
Participants may also be given the option to complete a cancelled in-person program virtually for full academic credit if cancelled after the start.

Cancellation & Financial Aid

American Councils financial aid recipients must return scholarship funds within 14 days of a program cancellation unless otherwise provided in their award documentation.
Health & Insurance Abroad

Health & Insurance Abroad

Your health and safety are important to us. American Councils participants are enrolled in international insurance coverage for the duration of their program abroad.

Coverage is administered by Cultural Insurance Services International (CISI) and includes accident and sickness coverage as well as emergency assistance and evacuation benefits.

Once enrolled in CISI, you will receive an email containing important insurance information and documents, including your insurance ID card, current plan brochure and coverage details, a consulate letter for proof of insurance when required for a visa, a claim form, CISI contact information, and access to the myCISI Participant Portal and CISI Traveler App.

Keep your insurance information accessible while abroad and bring your insurance ID card with you when seeking medical treatment.

What's Covered?

American Councils' international insurance includes coverage for eligible accident and sickness expenses as well as benefits related to medical evacuation, security evacuation, repatriation, and certain travel-related expenses.

Coverage limits, exclusions, and benefits may change by policy year. Participants should review the current CISI Plan Brochure for the complete schedule of benefits and coverage terms.

CISI Policy Brochure 2026-2026

Student Policies

Student Policies

American Councils participants are expected to contribute to a safe, respectful, and productive program environment. Participants must follow applicable U.S. and host-country laws, visa requirements, host-institution rules, and American Councils program policies.

Serious violations including illegal drug use, unsafe alcohol-related behavior, visa violations, unauthorized employment, or conduct that puts participants or others at risk may result in disciplinary action or dismissal from the program, loss of academic credit, and/or early return home.

All participants are responsible for understanding and following program expectations. Please review the policies below carefully before participating in an American Councils program.

Download Program Policies