GradGuard Support


Tuition - What is tuition insurance? What does tuition insurance cover?

Updated 1 year ago | Frequently Asked Questions

GradGuard's Tuition Protection Plan provides benefits to help safeguard the investment made in college/university. It can cover the cost of your tuition, academic fees, and housing if you have to completely withdraw for a reason such as covered Injury, illness, or mental health condition.


Does Tuition Insurance cover pre-existing conditions? 

Your plan specifically excludes coverage for losses resulting directly or indirectly from a pre-existing medical condition as defined by your plan.  However, your plan includes a pre-existing medical condition waiver that waives this exclusion when ONE of the following are met:

A. The insured student, on the plan purchase date, did not have any symptoms of the pre-existing condition and was medically able to attend school for the covered term; 

B. The insured student was covered by a similar plan issued by the insurance provider within the previous four months; 


C. A loss is due to the death of the insured student. 


If there is a chronic condition, you may want to have your child see their general practitioner and get it on their record that they were fit to attend school prior to classes beginning.


What is a pre-existing medical condition?

An illness or injury that the student was seeking or receiving treatment for or was actively exhibiting symptoms of within 60 days prior to the effective date of the plan. Please also note that you may still be covered for losses caused by reasons other than those related to a pre-existing medical condition. See the Certificate of Insurance/Plan for details. 


How does coverage apply to chronic medical conditions?

For chronic medical conditions, such as diabetes or severe anxiety, as long as there is no change in symptoms, treatment, or medication within 60 days prior to the plan’s effective date we would not consider the condition as pre-existing.  Therefore, routine treatment or routine medication being sought for a controlled condition would not be deemed pre-existing unless there was a change in the condition within 60 days prior to the plan’s effective date.


Need more information? Let's break it down a bit more:

Click here to see a quote and  find more information here.

View a sample tuition plan after starting your quote process.

   1. Click here to start your quote process. Once you input your school and housing selection click            'continue'.

   2. On the next page, you will see the coverages and pricing information, scroll to the bottom of the        page and you’ll see the button to ‘select this plan’ and underneath, there is a link to ‘view sample          policy’. Click the link and the sample policy page will populate on a new tab.

   3. Select ‘plan details’ and you will be able to review sample plan.


What does tuition insurance cover?

Tuition insurance can reimburse you for up to 100 percent of tuition costs, as well as covered fees, room, and board. The Tuition Protection Plan also includes Student Life Assistance benefits.


What is included in non-refundable costs?

Non-refundable costs can include tuition, fees, room and board costs that are not refunded by the school.


Why should I purchase tuition insurance?

Just as you purchase insurance to protect your home and car, tuition insurance allows you to protect the investment you make in higher education for yourself or your student. Tuition insurance can reimburse you for non-refundable tuition, fees and room and board costs (up to the amount of your Plan limits) should your student have to withdraw from school for a covered reason.

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