At the Center for Health and Wellbeing, core services like office visits are provided at no cost as long as you have paid the UVM Health Fee. An insurance plan, like UVM SHIP, is required of all full-time UVM students to help cover additional health care costs.

Yearly Requirement: By UVM policy, every year students must complete the insurance decision/waiver form to declare their enrollment in SHIP or their decision to waive it for an equivalent insurance plan.


The deadlines for completing the insurance Decision/Waiver Form are as follows:

  • New students starting school in the Fall: July 1.
  • New students starting school in the Spring: December 1.
  • Returning students: annually by July 1.

Which Students are Required to Have Health Insurance?

  • Undergraduate/Continuing Education students registered for 9 or more credits.
  • Graduate students registered for 9 or more credits.
  • Graduate students enrolled in "Grad 903" credits.
  • All International Students with F-1 or J-1 visas.
  • All Medical Students.

What Does the Student Health Insurance Plan Cost?

To purchase the UVM Student Health Insurance Plan (UVM SHIP), students must pay the UVM Health Fee and meet other eligibility criteria. UVM SHIP is billed to your UVM Student Account at the same time as your tuition. Full-year insurance is billed in two installments.

Current UVM SHIP Premiums
Semester Coverage Dates 2018-19 Cost 2019-20 Cost
Full Year August 1—July 31 $2,694 $2,694
Fall Only* August 1—December 31 $1,122 $1,122
Spring/Summer Only** January 1—July 31 $1,572 $1,572

* Fall-only coverage is available ONLY to students graduating in December/not registered for the Spring semester.

** Spring/Summer-only coverage is available ONLY to students who were not eligible for UVM SHIP coverage in the Fall (for example, because they did not take enough credits).

Again, students must also pay the UVM Health Fee to be eligible for UVM SHIP. The Health Fee covers routine/preventative CHWB health care and counseling services.

Important Note: Students who have purchased the UVM SHIP who later withdraw from school or fall below 6 credits (5 credits for graduate students) may keep the insurance policy for the remainder of that semester, but they become ineligible for CHWB services (even though they have also paid the Health Fee). These students will have to seek care elsewhere.


Frequently Asked Questions

Please refer to our FAQ page for the answers to most common insurance questions. If you have additional questions, please contact, 802-656-0602, or make an appointment with our Insurance Specialist at Mywellbeing and scheduling a Student Health Insurance Plan (SHIP) Consultation.

Billing questions should be directed to

The Student Health Insurance Plan (SHIP) is serviced by University Health Plans and underwritten by the Commercial Casualty Insurance Company. Claims are paid by Wellfleet Insurance. The Prescription Drug Program is through Cigna Rx. Emergency travel assistance is provided through Travel Guard.