What's Excluded From Tuition Refund Insurance?

Tuition Insurance does not cover medical expenses or losses resulting from Voluntary Withdrawals not related to a Medical “disability”.

Additional exclusions are as follows:

1) "Loss" which first occurred before the "covered person's" "period of coverage"

2) Failure to attend classes or sessions for any reason that is not listed as a covered cause of "Loss"

3) A change in a "covered person's" enrollment status, for example, changing from resident student to day student, or reduction in number of classes. 

4) Early graduation or early completion of classes;

5) War, including undeclared or civil war; warlike action by a military force, including action in hindering or defending against an actual or expected attack, by any government, sovereign or other authority using military personnel or other agents; or insurrection, rebellion, revolution, usurped power or action taken by governmental authority in hindering or defending against any of these;

6) Fear of contagious disease or epidemic

7) Induction or draft into the armed forces.

8) Catastrophic events other than terrorism of any kind that result in partial or complete closure of your institution.

9) Seizure or destruction of property by order of governmental authority which results in partial or complete closure of your institution;

10) Dishonest acts committed by you or anyone employed by you whether acting alone or in collusion with others.  

Application Of Other Exclusions

The terms and limitations of any terrorism exclusion, or the inability or omission of a terrorism exclusion, do not serve to create coverage for any "Loss" that which would otherwise be excluded under this "Policy," such as "Losses" excluded by the War Exclusion.

For more information on Terrorism Exlusions, please click here.

Coverage benefits are also excluded if the loss is a result of the use of narcotics, medication or hallucinogen unless prescribed by a physician or intentional self-inflicted injury.

* Benefit level is determined by term, generally 50% of the annual benefit level.  Please refer to the actual policy for complete details.