Tuition Insurance FAQs

Frequently Asked Questions for Parents and Students

+How much does this product cost?-How much does this product cost?How much does this product cost?
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. 

+What is covered under the Comprehensive Tuition and Fees Reimbursement Insurance plan?-What is covered under the Comprehensive Tuition and Fees Reimbursement Insurance plan?What is covered under the Comprehensive Tuition and Fees Reimbursement Insurance plan?
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.

+Who should buy coverage under this plan?-Who should buy coverage under this plan?Who should buy coverage under this plan?
This plan is for all students attending one of our partner colleges and universities.

+How much does this product cost?-How much does this product cost?How much does this product cost?
You will be able to see your school-specific rates and coverage by getting a quote through this site. 

+Won’t my school provide a refund if a student withdraws?-Won’t my school provide a refund if a student withdraws?Won’t my school provide a refund if a student withdraws?
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.

+Will this plan reimburse student loans and scholarships?-Will this plan reimburse student loans and scholarships?Will this plan reimburse student loans and scholarships?
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.

+Are there any exclusions under this policy?-Are there any exclusions under this policy?Are there any exclusions under this policy?
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. 

+Are pre-existing conditions covered?-Are pre-existing conditions covered?Are pre-existing conditions covered?
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. 

+Do I need an exam or physical in order to get coverage?-Do I need an exam or physical in order to get coverage?Do I need an exam or physical in order to get coverage?
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.

+When should I purchase coverage and how long does it last?-When should I purchase coverage and how long does it last?When should I purchase coverage and how long does it last?
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.

+Is this insurance provided by Liberty Mutual or another 3rd party?-Is this insurance provided by Liberty Mutual or another 3rd party?Is this insurance provided by Liberty Mutual or another 3rd party?
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.

+If I purchase Tuition Insurance from Liberty Mutual, will I receive a multi-policy discount on my Home or Auto Insurance provided by Liberty Mutual?-If I purchase Tuition Insurance from Liberty Mutual, will I receive a multi-policy discount on my Home or Auto Insurance provided by Liberty Mutual?If I purchase Tuition Insurance from Liberty Mutual, will I receive a multi-policy discount on my Home or Auto Insurance provided by Liberty Mutual?
Currently, no additional multi-policy discounts are offered at this time.

+Can I buy a Tuition Insurance coverage through a Liberty Mutual agent?-Can I buy a Tuition Insurance coverage through a Liberty Mutual agent?Can I buy a Tuition Insurance coverage through a Liberty Mutual agent?
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 tuitioninsurance@libertymutual.com and we will be happy to assist you.

+What types of schools and institutions are covered? What if I don’t see my school listed as a partner institution?-What types of schools and institutions are covered? What if I don’t see my school listed as a partner institution?What types of schools and institutions are covered? What if I don’t see my school listed as a partner institution?
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.

+Is coverage available to out-of-state students and foreign students studying in the U.S.?-Is coverage available to out-of-state students and foreign students studying in the U.S.?Is coverage available to out-of-state students and foreign students studying in the U.S.?
Yes, all undergraduate students at our partner schools are eligible for coverage regardless of home state or country.

+Does coverage apply to students studying abroad?-Does coverage apply to students studying abroad?Does coverage apply to students studying abroad?
Yes, provided the student pays tuition via their U.S.-based school sponsoring the program.

+If I withdraw, how do I claim my benefits under the plan?-If I withdraw, how do I claim my benefits under the plan?If I withdraw, how do I claim my benefits under the plan?
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.

+How long does it take to process a claim? How can I check the status of my claim?-How long does it take to process a claim? How can I check the status of my claim?How long does it take to process a claim? How can I check the status of my claim?
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 tuitioninsuranceclaims@libertymutual.com.

+How long do I have to submit a claim and how do I submit my claims documents?-How long do I have to submit a claim and how do I submit my claims documents?How long do I have to submit a claim and how do I submit my claims documents?
Documents can be submitted via email at tuitioninsuranceclaims@libertymutual.com 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.

+Can I receive a refund after purchasing coverage?-Can I receive a refund after purchasing coverage?Can I receive a refund after purchasing coverage?
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

+How much does it cost the institution to offer the Liberty Mutual Comprehensive Tuition and Fees Insurance plan?-How much does it cost the institution to offer the Liberty Mutual Comprehensive Tuition and Fees Insurance plan?How much does it cost the institution to offer the Liberty Mutual Comprehensive Tuition and Fees Insurance plan?
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.

+What are the benefits to partnering with Liberty Mutual?-What are the benefits to partnering with Liberty Mutual?What are the benefits to partnering with Liberty Mutual?
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.

+How can I learn more about partnering with Liberty Mutual to offer this plan?-How can I learn more about partnering with Liberty Mutual to offer this plan?How can I learn more about partnering with Liberty Mutual to offer this plan?
Please email us at tuitioninsurance@libertymutual.com, and one of our experts will be in touch to arrange a call or in-person meeting at your convenience.

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