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- Tuition Insurance
We heard you! You and your family have been asking for protection for your financial investment in your education and we are pleased to announce that Curry is now offering optional tuition insurance. We have partnered with Sallie Mae to offer an opt-in Tuition Insurance Plan.
Protect Your Tuition: Review important information about protecting your tuition in the event you are unable to complete classes due to a covered medical condition. For more information contact Grad Guard at (888)541-4842 or go to www.gradguard.com/curry.
TUITION INSURANCE FREQUENTLY ASKED QUESTIONS:
Provided By: GradGuard
Why might Tuition Refund Insurance be right for me?
College is one of the largest investments a family will make, however, it often goes unprotected. If a student is forced to withdraw from school for medical reasons, your family could face serious financial repercussions if your school's tuition refund policy does not apply to the withdrawal's unique circumstance and timing. Tuition Refund Insurance reduces the financial risk inherent in the investment in higher education by refunding lost tuition, academic fees and other related expenses should a student be forced to withdraw for medical reasons.
What is covered by Tuition Refund Insurance?
Up to 100% of covered fees up to the chosen policy limits for:
- Withdrawal of the covered student from an academic program due to illness or injury.
- Withdrawal of the covered student from an academic program due to emotional, mental or nervous disorder (a hospitalization stay of at least 24 hours, within 30 days of the date of withdrawal, is required. In some states, this requirement may be modified to a 2-day hospitalization).
- Death of the covered student during the dates of coverage.
- Death of the tuition payer (if different from the student) that results in the student's withdrawal from an academic program.
In order to qualify for "medical withdrawal" the student must have gone through the school's official process for withdrawal, and must have confirmation from a physician that withdrawing from the academic program is recommended for medical reasons.
What are "Covered Fees"?
"Covered Fees" can include the cost of tuition, unused room and board, books and other academic fees that were paid to the institution for the covered semester(s).
If a school provides a partial reimbursement at the time of withdrawal, Tuition Refund Insurance coverage will cover any remaining balances up to the policy limits for covered fees.
What is not covered by Tuition Refund Insurance?
Coverage is not available if the covered student has:
- Voluntarily withdrawn from an academic program.
- Been dismissed from an academic program for academic or disciplinary reasons.
- Incurred a "loss"(injury, illness or death) that occurs prior to or after the period of coverage.
- Failed to attend classes for any reason.
- Graduated or completed classes early.
- Been inducted or drafted into the Armed Forces.
- Modified their enrollment status. For example, if the covered student switches from a full-time to a part-time academic program, this Policy would not cover the difference in tuition costs. The student would still be eligible for coverage for tuition paid for their current program, up to the policy limits, should they withdraw for medical reasons.
For more information, please see exclusions.
Who is eligible for Tuition Refund Insurance Coverage?
Any student who is healthy enough to begin classes, attending an accredited academic program that offers this Tuition Refund Insurance program, and responsible for tuition costs, may purchase Tuition Refund Insurance. This includes students at a college or university, private high school, professional development or trade school, or other academic program.
What does Tuition Refund Insurance cost?
Check with your school for details on pricing. Coverage options may vary by school.
When can I purchase Tuition Refund Insurance Coverage?
You must purchase the policy prior to the first day of classes.
If I want to increase my limits, do I have to buy more coverage prior to the first day of classes?
Yes, a student needs to purchase any additional coverage prior to the first day of classes.
If I want to increase my limits, do I have to buy more coverage prior to the first day of classes? Yes, a student needs to purchase any additional coverage prior to the first day of classes. You may cancel your existing coverage and re-enroll with higher limits prior to the first day of classes, if you wish to increase your coverage. Coverage options may vary by school.
What is the start date of coverage?
Coverage begins on the first day of school. Nothing is covered prior to that date.
How long does the policy last?
The policy begins on the first day of classes and covers a traditional academic year, including fall and spring semesters.
How are the policy limits defined?
The full annual premium is divided by whatever number of terms your school uses. For example, for a student with $30,000 annual coverage, whose school follows a traditional academic calendar, the student would have the ability to file one claim per semester (2 claims in total), and receive up to $15,000 per semester. If a student attends a school on a quarter system, the premium would then be divided by four.
Am I covered while studying abroad?
Yes. Coverage terms apply for any enrolled student, regardless of the location of the academic program. This includes programs outside of the U.S. and Semester-at-Sea programs, however, programs must be affiliated with your school.
Are substance abuse and pregnancy covered?
In order to be eligible, the medical withdrawal must be certified by the student's attending physician as being a condition that prevents them from school attendance for the balance of the term. The conditions, alone without a physician's certification of disability, would not trigger coverage. Conditions relating to substance abuse must meet the DSM-IV requirements and have a hospitalization requirement of at least 24 hours, within 30 days of the date of withdrawal. In some states, this requirement may be modified to a 2-day hospitalization.
Are non-traditional programs covered, such as Outward Bound or NOLS?
No, only traditional academic programs that coincide with a standard, school-based academic program are covered by Tuition Refund Insurance.
Are mental health conditions covered?
The indicated covered fees will be paid if the medical disability is due to emotional, nervous or mental disorders as certified by a physician. The covered person must incur a hospital confinement of at least 24 hours within 30 days of the withdrawal or in some states, two consecutive days during the period of coverage and completely withdraw from all activities for the balance of the period of coverage. The disorder must be officially diagnosed as an emotional, nervous, or mental condition as shown in the DSM-IV manual.
How do I file a claim?
A student can notify GradGuard of a claim by giving us a call or by emailing firstname.lastname@example.org. GradGuard will work with the underwriter, Markel Insurance Company, on behalf of the student to process the claim. The underwriter will issue the payment directly.
Who receives claim payment?
Payments will be made directly to the policyholder. Claim payments are made once all of the requested documentation is processed and approved. In most cases, the insured's school is the policyholder and will receive payment on behalf of the insured. If there is no outstanding tuition payments due, the school will forward the payment to the insured. In instances where the school is not the policyholder, payments will be issued to the insured.
What documentation is required to submit a claim?
Students are required to submit a completed claim form, as well as additional verification information from their school and attending physician. For more information on what is required in order to file a claim please email email@example.com or call (888) 541-4842.
Can a student file a claim for the same condition in each semester?
Yes. As long as the student is provided a clean bill of health prior to the start of the second semester, if the student suffers from the same or similar condition and is forced to medically withdraw again during a new semester they would be covered.
What is the cancellation policy?
Policies may be cancelled and refunded in full prior to the first day of classes. For cancellation inquiries call 888-541-4842 or email firstname.lastname@example.org.