Frequently Asked Questions - Tuition Insurance

Tuition Insurance

Why is the university making Tuition Insurance available?

The cost of going to UC Berkeley has skyrocketed in recent years, to the point where most families suffer a serious financial loss if their student has to medically withdraw. Tuition Insurance is one option families can use to reduce their risk of financial loss due to non-attendance.

What does Tuition Insurance cover?

  • Medical withdrawal (100% of benefit)
  • Mental or nervous condition leading to medical withdrawal (100% of benefit)
  • Death of the student (100% of benefit)
  • Death of tuition payer (if different from student) that leads to withdrawal (100% of benefit)

How much does Tuition Insurance cost?

It depends on how much coverage you want. In-state undergraduates will probably want to purchase less coverage than out-of-state graduate students going to a professional school, where fees are much higher. The cost is approximately 1% of the coverage you wish to insure or your invoice amount. For example, coverage for a $20,000 student invoice would be $220.

Who is eligible for coverage?

Any student currently enrolled at UC Berkeley is eligible for coverage. Extension students are not eligible for coverage.

What if I have a disability or a pre-existing condition?

The policy does not have a pre-existing condition clause. However, the policy excludes illness or injuries that are active at the time of enrollment. For instance, if a student is being treated for pneumonia at the time of enrollment, forcing a withdrawal two weeks later, coverage would be denied.

What if I have to leave during the semester due to pregnancy?

If the pregnancy leads to medical complications that require you to withdraw, you will be covered.

What gets reimbursed if I file a claim?

The cost of attendance, including:

  • Tuition
  • Room and Board
  • Fees
  • Other applicable fees as shown on the invoice such as:
    • Activity Fees
    • Course Material Fee
    • Orientation Fee, etc.

Is there a deductible?

The policy does not have a deductible. However, the amount of payment will be reduced by any refund provided to you by the registrar or other campus offices.

How do I file a claim?

To file a claim, notify the insurance carrier within 30 days of the loss or as soon as possible. The claims department will provide a claim number and claim forms to be filled out by the student. Please call the Claims Department at 888-427-5045 (please have your Policy number on hand).

When can I purchase coverage?

You may purchase coverage anytime prior to the start of the term you are purchasing for. Please keep in mind, however, that if the symptoms that force you to medically withdraw are already present when you buy coverage, the insurance will not apply.

How long does the policy last?

The coverage period are the dates for the academic term.

Is summer school covered?

Yes. Please visit the GradGuard website to purchase coverage for summer sessions.

What if I spend the semester abroad? Am I still covered?

As long as you are registered at UC Berkeley for that semester, you are covered wherever you are studying.

Can I purchase coverage for just one semester?

Yes, you have the choice to purchase for one semester or several.

How do I obtain coverage?

To obtain coverage, please visit the GradGuard website, or call GradGuard at 877-794-6603.

How can I purchase Tuition Insurance?

You can purchase Tuition Insurance via the Transact Portal when remitting a payment, or by visiting the GradGuard website.

I declined GradGuard how can I go back and purchase?

You have the option to purchase Tuition Insurance up to the first day of instruction for the term. If you originally declined, you can visit the GradGuard website to purchase.

Can I purchase Tuition Insurance for the Summer Term?

Yes, Tuition Insurance is offered for the Summer Term.