Tuition insurance for U-M Ann Arbor students
This insurance plan significantly extends and enhances the university's published withdrawal policy. The plan provides funds that can help to pay back loans, grants, and scholarships for students who must completely withdraw from a term due to a physical or mental health illness or injury. For a very reasonable cost (0.7 % of tuition), you can protect your financial investment for the entire academic year.
Note that this insurance does not refund tuition or any other charges because of a change to online instruction or alternative learning platform.
Questions? Please visit Dewar Insurance.
For questions or more information, you may email [email protected] or call 734-764-5182.
Why buy tuition insurance?
The cost of education today is a substantial investment. Students and parents may face significant financial loss if students are unable to complete a term due to illness or injury (physical or mental health). This plan may be especially useful if students have a health condition that could compromise their ability to complete a term. This plan:
- Significantly extends and enhances the university's published withdrawal policy.
- Provides funds that can help to pay back loans, grants, and scholarships.
- Covers students taking classes on campus or remotely.
- Is offered by Dewar Insurance Company, a private insurance carrier, that originated in 1930 to protect the financial investment of students and parents in education.
- Is available at over 1,100 schools throughout North America.
All registered students on the University of Michigan-Ann Arbor campus may purchase the plan for the current school year.
Benefits and documentation
The plan refunds 75% of the insured term's tuition and fees (excluding required health insurance for international students), less any refund or credit due from the university if the student completely withdraws from the university due to physical or mental health illness or injury. Those who live in University Housing can also purchase this coverage for room and board (less any refund or credit due from the university). Dewar coverage information page.
For physical injury or illness withdrawals, a licensed physician must provide a written statement that a physical condition is the reason for withdrawal.
For mental health (psychological/emotional) withdrawals, a licensed doctor must provide a written statement that a psychological/emotional condition is the reason for withdrawal. Diagnosis must be classified in accordance with the American Psychiatric Association's Diagnostic and Statistical Manual (DSMV-IV).
In both cases above, a "complete withdrawal" from the university is required. This means that the student will not be able to complete the term and will not receive any academic credit because of injury or sickness. This coverage does not apply if students drop classes and do not completely withdraw for the term. A written statement from a doctor certifying the injury or sickness and college verification will be required.
- Office of the Registrar: How to Withdraw from a Term
- Office of the Registrar: Tuition and Fees
- Office of Financial Aid: Withdrawing and Your Financial Aid
- University Housing Refund Policies
Exclusions (what this plan does not cover)
This insurance does not refund tuition or any other charges because of:
- A change to online instruction or alternative learning platform.
- War or any act of war, declared or undeclared.
- Taking part in a riot.
- Failure to attend classes for any reason other than injury or sickness.
- Withdrawal when credit was received for an incomplete term.
- Nuclear reaction, nuclear radiation, or radioactive contamination.
Tuition insurance covers a full term from the first to the last day of classes, less any monies refunded by the university based on the date of withdrawal. Michigan Housing reimbursement is based on the authorized move-out date.
Coverage can be purchased for an academic year (fall and winter semesters) or a single term. If you purchase coverage for a full academic year but for any reason the student does not return for subsequent terms, notify the insurance company and any unused premium will be refunded.
How to purchase
You can enroll for tuition insurance in the following ways:
- On the Dewar Insurance website
- From the Dewar Insurance link in Wolverine Access, when viewing your student account for the fall semester bill (in the Student Center under the Campus Finances page)
- By calling Dewar Insurance at 617-774-1555
Payment must be submitted at the time of application.
Purchase deadlines. Applications to purchase must be completed by the following dates in order to begin coverage, and no application will be accepted after these dates.
- Fall / Winter semesters: September 6, 2024
- Fall semester: September 6, 2024
- Winter semester: January 15, 2025 (enrollment open December 15, 2024)
- Spring or Spring/Summer terms: May 9, 2025
- Summer term: July 5, 2025
Claims should be reported within 30 days from occurrence or as soon as it is reasonably possible.
Claim forms with full instructions are available online at Dewar Insurance. Forms should be completed and submitted as follows:
- The student's doctor should complete the Student Medical Authorization Form and submit it by following the instructions on the form.
- The student should complete their section of the Student Information Release and then submit it to Wolverine Services, 2200 SAB, 515 E. Jefferson St., Ann Arbor, MI 48109-1316.
Benefit payment will be made to the university to be credited to the student's account. U-M grants or scholarships will be credited back to the university. Benefits not required to settle the student's account with the university will be refunded to the student through the university.