Frequently Asked Questions for Parents and Students
Tuition Insurance will reimburse tuition, fees, and room & board, in accordance with your school’s specific plan, should an unforeseen accident or illness prevent you from finishing classes. Tuition Insurance helps protect your family’s significant investment in higher education easily and affordably. Given the high cost of education today, Liberty Mutual’s Comprehensive Tuition and Fees Reimbursement Insurance plan provides peace of mind by ensuring your investment is protected.
Liberty Mutual’s plan provides comprehensive coverage throughout the school year by supplementing and significantly extending your school’s refund schedule. We provide reimbursement for unforeseen accidents, illnesses (including most pre-existing conditions), mental health disorders (including anxiety and depression), and other covered reasons. You can find additional details about your school-specific plan on this website.
This plan is for all students attending one of our partner colleges and universities.
You will be able to see your school-specific rates and coverage by getting a quote through this site.
Not necessarily. Schools typically offer limited refunds after classes begin, and will provide no refunds after a certain date (varies by school). Given the high cost of tuition, this plan guarantees comprehensive coverage throughout the full academic year. You should familiarize yourself with your school’s refund policy, and the benefits of obtaining a policy such as the one offered here.
Yes, this plan will refund tuition, fees, and room and board paid to the school regardless of source. This includes federally subsidized and unsubsidized loans, outside non-extendable scholarships, 429 plans, and family savings.
Limited exclusions apply including participating in professional sporting events, taking part in riot, drug usage, or extreme risks like skydiving and bungee jumping, etc. Please refer to your school for specific terms of your policy.
Yes, pre-existing physical and mental health conditions are covered, provided the student has not received treatment from a doctor for the condition in the 180 days preceding the first day of classes each year.
No physical exams or doctors’ certification is required to purchase coverage, and all students are eligible. There is no pricing surcharge based on medical history or overall health.
Coverage is effective for the whole school year, covering all semesters/trimesters, and must be purchased before the first day of your academic year each fall.
Coverage is provided and underwritten by Liberty Mutual Fire Insurance Company, a wholly-owned member of the Liberty Mutual Group. Liberty Mutual has been protecting families for over 100 years.
Currently, no additional multi-policy discounts are offered at this time.
At this time, no. Liberty Mutual agents are not able to sell or make changes to Tuition Insurance policies. Should you have additional questions or concerns not addressed here, please email firstname.lastname@example.org and we will be happy to assist you.
Liberty Mutual partners with accredited 4-year institutions of higher learning to provide benefits specific to each school. We apologize if you do not see your school listed when signing up. We are currently working to expand our network.
Yes, all undergraduate students at our partner schools are eligible for coverage regardless of home state or country.
Yes, provided the student pays tuition via their U.S.-based school sponsoring the program.
If your withdrawal is due to a covered circumstance, Liberty Mutual works directly with the financial aid/student accounts administrators to help process your claim quickly and easily. You can download and fill out our claim forms from the claims section on this page
Once we receive all necessary documentation, claims are typically resolved within a week, with complex situations sometimes taking longer. You can check the status of your submitted claim by emailing email@example.com
Documents can be submitted via email at firstname.lastname@example.org
and should be submitted as soon as possible after a withdrawal to ensure timely payment of your claim. When timely submission is not possible, you will generally have at least 90 days to submit your documents after the date of loss.
We want to ensure you are satisfied with Liberty Mutual’s products and service. You may receive a pro-rated refund for coverage provided you have not yet filed a claim under your active coverage. Please contact us at tuitioninsurance@LibertyMutual.com
to initiate this process and we will be happy to serve you.
Frequently Asked Questions for Schools and Administrators
There is no cost to the school for partnering with Liberty Mutual. There are no commissions, set-up fees, or recurring costs, and we work to provide your school everything needed to begin offering coverage.
Students who withdraw mid-term, often do so during a time of crisis or emergency. Participation in the plan ensures that your staff can focus on helping students in need, rather than on financial administration. We partner with schools to ensure a seamless claims process with the student’s needs always in mind. Additionally, many administrators agree that students who withdraw and have purchased coverage are more likely to return to school in subsequent semesters.