Yearly Requirement: students must complete the insurance decision/waiver form annually to declare their enrollment in SHIP or their decision to waive it for an equivalent insurance plan.
Please note: staff are working remotely due to COVID-19. The quickest way to reach us with questions is by emailing StudentInsurance@uvm.edu.
The Center for Health and Wellbeing provides core services like office visits at no cost as long as you have paid the UVM Health Fee. All full-time UVM students must have an insurance plan to help cover additional healthcare costs. This can be UVM SHIP or another insurance.
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.
Who Does the Health Insurance Requirement Cover?
- 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.
Student Health Insurance Cost
To purchase the UVM Student Health Insurance Plan (UVM SHIP), you 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.
NOTE: The 2021-2022 SHIP premium costs have yet to be determined (TBD). We expect that premiums will be finalized by mid to late May. Please check back for updates to this page.
|Semester||Coverage Dates||2020-21 Cost||2021-22 Cost|
|Full Year||August 1—July 31||$2,694||TBD|
|Fall Only*||August 1—December 31||$1,122||TBD|
|Spring/Summer Only**||January 1—July 31||$1,572||TBD|
* 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).
For eligibility for UVM SHIP you must pay the UVM Health Fee. The Health Fee covers routine and preventive CHWB health care and counseling services.
If you have purchased the UVM SHIP and later withdraw from UVM or fall below 6 credits (5 credits for graduate students) you may keep the insurance policy for the remainder of that semester, but you will become ineligible for CHWB services even though they have also paid the Health Fee and have to seek care elsewhere.
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.