Temple University is proud to partner with GradGuard to offer optional tuition insurance. GradGuard’s Tuition Insurance Plan helps students and their families overcome the financial losses that may result from events which force students to withdraw from the semester due to a covered medical reason. Covered withdrawals can take place any time during the covered semester.
In the event of an unexpected injury or illness, you may need to withdraw from your courses, which would not be eligible for a full refund of your full tuition and fees. Only students that drop all of their courses in accordance with the drop deadline as outlined in the Academic Calendar will be entitled to a full reversal of tuition and fee charges.
You can get insurance for some of your largest investments in life, so why not protect the cost of college, too? Watch this video for more information about GradGuard’s Tuition Insurance coverage.
What does Tuition Insurance Protect?
GradGuard's Tuition Insurance can reimburse up to 100% of the student’s investment if a student withdraws during due to a covered reason such as:
- Covered Serious Injury or Illness such as a severe head injury
- Chronic Illness such as diabetes or an auto-immune disorder
- Mental Health Conditions like depression, anxiety, attempted suicide
- Death of a payer(s)
- Loss of employment of a payer(s)
The Tuition Insurance Plan complements our refund policy, providing peace of mind. GradGuard also offers members special access to an Assistance Hotline to help students and their families take care of emergencies and unexpected issues.
Learn more by visiting GradGuard or calling 1-877-794-6603.
Important Information
Tuition insurance must be purchased before the last day to drop with 100% refund each semester and is offered as a voluntary benefit.
Please review the GradGuard coverage terms closely, as students must withdraw from all courses and the withdrawal must be for a covered reason for insurance coverage to apply. Other terms apply, including that the policy coverage period is for one academic semester. If coverage for future semesters is desired, re-enrollment and additional premium payment will be required.
This insurance policy is entirely voluntary and is not offered, sold, endorsed, administered, or guaranteed by Temple University. If you select a GradGuard policy, payment is payable directly to GradGuard and policy benefits are payable from GradGuard. GradGuard administers the claims process, if applicable.
Frequently Asked Questions
How do I purchase tuition insurance?
After charges are posted for the fall and spring semester, students and Authorized Payers will be presented with an opportunity to purchase GradGuard’s tuition insurance through TUpay.
If you decline the first offer, you can still elect to purchase coverage by clicking ‘Tuition & Fee Protection’ in TUpay. You can also purchase directly at GradGuard or call GradGuard Member Services at 877-794-6603 to make the purchase over the phone.
How much coverage should I purchase?
Temple established a default coverage amount. For undergraduate students, the coverage amount assumes you are full-time and excludes room and board charges. The default coverage amount should not be considered a recommended coverage level.
We highly recommend that you review your TUpay student account and adjust your coverage amount based on your total semester charges. If you are living off-campus, you should factor in those charges as well.
Each student purchasing student insurance needs to calculate their own desired coverage amount. Temple University staff are not permitted to assist students in determining insurance coverage amounts.
How do I change the amount of coverage?
The GradGuard Tuition Insurance offer amount is a suggested coverage amount and will vary by student. You may opt to purchase more/less coverage based upon your total semester charges. You can also purchase for a different amount directly at GradGuard.
To change the amount of coverage after you have purchased insurance, call 877-794-6603.
How do I submit a claim?
Claims are processed by GradGuard; not Temple. Claims can be processed at any time. To be eligible for coverage, the event/incident must occur within the plan’s coverage period. The claims process begins by calling 888-427-5045.
Who should I contact if I have questions?
Since the tuition insurance policy is sold, offered and administered by GradGuard, you should contact them at 877-794-6603.
Does Temple earn a commission?
Temple University is not compensated for this program. 100% of your premiums go toward protecting your investment. This is a voluntary benefit to our students and families. Your participation is not required, but we encourage students and families to consider the benefits each semester.
Terms, conditions, and exclusions apply.
Terms, conditions, and exclusions (including for pre-existing conditions) apply
Plans only available to U.S. residents and may not be available in all jurisdictions. Recommended and provided by GradGuard, a service of Next Generation Insurance Group, LLC (NGI), the licensed agent for all insurance programs. Insurance plans include insurance benefits and assistance services. Pricing may vary by state. Insurance benefits are underwritten by Jefferson Insurance Company (NY, Administrative Office 9950 Mayland Drive, Richmond, VA 23233) rated “A+” (Superior) by A.M. Best Co. A+ (Superior) is the 2nd highest of A.M. Best’s 13 Financial Strength Ratings. Non-insurance benefits/services are provided by AGA Service Company. Claims are administered by Allianz Global Assistance (AGA). AGA and Allianz Tuition Insurance are marks of AGA Service Company or its affiliates. AGA Service Company is an affiliate of Jefferson Insurance Company. Plans include insurance benefits and assistance services. Except as expressly provided for under the plan, consumer is responsible for charges incurred from outside vendors. Contact AGA Service Company at 888-427-5045 or 9950 Mayland Dr., Richmond, VA 23233 or tuition@allianzassistance.com.