UCEAP Travel Insurance
Insurance is a key topic; inform yourself. Scroll down for important information.
- Make sure your student has adequate health insurance before and after UCEAP, and that the UCEAP travel insurance coverage while abroad is adequate.
- Except for programs that require national insurance, the UCEAP travel insurance is considered primary while student is abroad. Coverage anywhere in the world starts 14 days before the official start of the program as listed on the UCEAP program calendar and ends 31 days after the last official day of the program. There is no co-pay or deductible. Students must pay for medical services up front and submit a claim to the insurance company for consideration.
- The UCEAP travel insurance policy does not constitute minimum essential coverage under the U.S. health law, the Affordable Care Act (ACA) and does not satisfy a person’s
individual obligation to secure the requirement of minimum essential coverage under the law.
- The UCEAP policy provides travel insurance benefits for UC students.
- For more information about the ACA, refer to ACA Information for UCEAP Students, www.HealthCare.gov, and Covered California (https://www.coveredca.com). For information about the Affordable Care Act and tax provisions, visit the IRS website.
- Visit Covered California to find an affordable ACA-compliant plan during open enrollment so your student has continuous coverage.
- As a UCEAP participant all students are required by UC to have a Minimum Essential Coverage insurance plan (campus student health insurance or a private plan) while abroad. As is the case with all registered students, students are responsible for paying the campus insurance premium to their UC campus by the fee payment deadline unless they waive out of campus insurance successfully by the waiver application deadline..
The UCEAP travel insurance policy is provided by ACE, USA, insurance company. Refer to the UCEAP Insurance Brochure or access the Benefits at a Glance document for details.
Students are automatically enrolled in the UCEAP travel insurance. The UCEAP travel insurance policy is separate from the campus student health insurance plan, SHIP.
Recommended and country-specific required travel vaccinations are not covered by the UCEAP travel insurance so students are encouraged to plan ahead as SHIP may cover some of these costs while students are enrolled and covered by SHIP. Consult with the SHIP office on your student's campus.
More information about insurance, including a link to the insurance card, can be accessed through the UCEAP website, Participants
country portal, Insurance
tab. You can also contact UCEAP at email@example.com
The UCEAP travel insurance policy includes medical and non-medical benefits for eligible students: illness/accident coverage, emergency medical evacuation, repatriation of remains, security evacuation, prescription drugs, lost baggage, and personal property, trip interruption, trip delay, among others.
Out-of-Country Coverage: Optional Extension of the UCEAP Travel Insurance Policy
Traveling Before or After UCEAP
The UCEAP travel insurance coverage begins 14 days before the official start of the program and ends 31 days after the official last day of the program.
If your student is traveling outside the U.S. before or after UCEAP
and foresees a gap in insurance coverage while abroad, your student may choose to purchase up to three months of coverage that extends the UCEAP travel insurance policy in 30-day increments for coverage while abroad only. Extension insurance cannot be purchased for coverage in the U.S. Applying and paying for extension insurance is an easy online process through https://secure.visit-aci.com/insurance/UOC
Insurance Claims Process
Personal Property Insurance
As on any UC campus, all students are responsible for their personal property. While UCEAP provides property insurance (in addition to other non-medical benefits), UCEAP strongly encourages students to review the policy in detail, ask questions, and assess whether the coverage will be adequate. If it is not sufficient, students should consider purchasing additional personal property insurance to cover possessions such as cameras, calculators, PDAs, and laptops while abroad. Accidental damage is the number-one cause of computer losses. Theft is number two.
Liability insurance is highly recommended for all students studying abroad. The benefit of personal liability is paid to cover expenses due to injury to a 3rd person or damage to that person's property.(E.g., if student damages a vehicle while on a bicycle). The UCEAP insurance policy does not include liability coverage.
Optional Renters Insurance
While on campus, the University of California recommends that students consider purchasing renters insurance if living away from home. Renters insurance is not mandatory, and may be purchased from any source. The policy provides worldwide coverage provided your son or daughter is registered at UC while abroad.
Optional Tuition Insurance
While on campus, the University of California recommends that students consider purchasing tuition insurance to protect them financially in case they need to withdraw for medical reasons. Tuition insurance is not mandatory, and may be purchased from any source. The policy provides worldwide coverage provided your son or daughter is registered at UC while abroad.