University of Michigan Ann Arbor Campus




The Tuition Refund Plan...
was originated in 1930 to protect the financial investment of students and parents in education. Today, over 1200 leading independent schools and colleges throughout North America offer the Plan. Because the cost of education today is a substantial investment, one which is likely to be your second largest next to a home purchase, the protection afforded by the Tuition Refund Plan is essential.

While most universities provide partial refunds for withdrawals, they are limited and usually effective only when you withdraw early in the term. Subject to the program terms and conditions, if you withdraw from classes because of a personal injury/sickness or mental health condition, this Plan will return up to 75% of your insured term tuition and fees or tuition, fees, room (University Housing only) and board if applicable. This Plan dramatically enhances the University of Michigan tuition refund schedule. This Tuition Refund Plan will help to alleviate your financial loss.

What Is Covered?
  • Injury and sickness Withdrawals
    75% of the insured term tuition and fees, or tuition, fees, room (University Housing only) and board if applicable, less any refund or credit due you from the University, will be refunded provided your physical condition is certified by a licensed clinician and forces you to completely withdraw from all classes for the balance of the term.
  • Mental health Withdrawals
    75% of the insured term tuition and fees, or tuition, fees, room (University Housing only) and board if applicable, less any refund or credit due you from the University, will be refunded provided your medical condition is certified by a licensed clinician and you have completely withdrawn from all classes for any condition whose diagnosis is found in the DSM-V Manual.
In both cases above, a "complete withdrawal" from the University is required. This means you have given written notice that because of your injury or sickness you will not be able to complete the term and you will not receive any academic credit. A written statement from your clinician certifying the injury or sickness and University verification will be required. All mental health withdrawals will be classified in accordance with the American Psychiatric Association's Diagnostic and Statistical Manual - DSM-V.

Are Student Loans covered by this Plan?
Yes, the Plan provides an important benefit that covers not only payments made directly by the family, but also loans for the semester with the college, banks and government agencies, up to the coverage amount.

How much does it cost?
Complete details are shown on the Application.

What are the conditions of coverage?
Your protection covers a full term from the opening to closing date. Your application must be received before the following deadline dates:
Fall/Winter September 10
Fall - September 10
Winter - January 10
Spring - May 10
Spring/Summer - May 10
Summer - July 10

This coverage refunds on a term basis only. Requests to participate in coverage will not be accepted after the deadline dates listed above. Coverage ceases on the last day of formal academic instruction by the University due to any reason.

Room, meals or other charges that are not paid to the University cannot be insured.

What Is Excluded?
Note that the Plan does not cover the following: war or any act of war, declared or undeclared taking part in a riot failure to attend classes for any reason other than injury or sickness withdrawal when the student receives credit for an incomplete term nuclear reaction, nuclear radiation or radioactive contamination.

NOTE: Coverage does not refund insured tuition or any other charges because of a change to online instruction or alternative learning platform.
How are claims filed?
Claim forms with full instructions are available at the College or by contacting A.W.G. Dewar, Inc. Claims should be reported within 30 days from occurrence or as soon as is reasonably possible. You should arrange for the completion of the claim form. Benefit payment is made to the college to be credited to the student's account. Benefits not required to settle your account with the college will be refunded to you through the college.
Please contact A.W.G. Dewar Inc., Quincy, Massachusetts, now in its ninth decade of service to the educational community.

Phone: (617) 774-1555
Fax: (617) 774-1715

Tuition Refund Plan policies are underwritten by Atlantic Specialty Insurance Company and OBI National Insurance Company. Plan policies are produced by A.W.G. Dewar, Inc., dba A.W.G. Dewar Insurance Agency, Four Batterymarch Park, Quincy, MA 02169. The name of each student is listed on a policy which is held by the school business office, not as agent for the insurance company, but on behalf of insured students and their parents. The information provided above is an outline of coverage for the ensuing academic year. Actual coverages are governed by the insurance policy on file in the school's business office. Coverage may change each academic year. A.W.G. Dewar, Inc. is the originator of the trademarked Tuition Refund Plan.