International Health Insurance
The University of Illinois system has negotiated a policy for all its campuses with Arthur J. Gallagher & Co. (AJG). The AJG policy is designed for students, faculty, and staff who are going abroad for study, research, or other official UIC business.
For students applying to go abroad through the Study Abroad Office, international health insurance is mandatory. AJG is the default policy unless proof can be provided that the student has coverage under a policy with equal or better benefits. Many of our study abroad programs have the cost of international health insurance built into the program and the coverage offered is sufficient to waive the mandatory AJG policy. Your study abroad advisor will inform you during your Program Advising Appointment if you need to purchase the AJG policy.
Please note that this international health insurance policy is not eligible to waive Campus Care while you are abroad. You are still required by UIC to be covered by domestic major medical health insurance while abroad. If you have questions about this, please talk to your study abroad advisor or contact CampusCare at 1 (312) 996-0019.
Faculty and staff whose travel is funded by the university or on university connected business are required to enroll in the AJG policy for the duration of their travel at no expense to the faculty or staff member. See below for enrollment details.
Independent travel outside of your official program dates (e.g. extended stay or early arrivals) is not covered by the university policy. The AJG policy also does not cover accompanying family members who are not dependents, or friends not traveling on university business. For these situations, AJG offers an alternate policy. Information can be accessed here.
Enrollment and Other Insurance Information
International Health Insurance Costs
Length of Program Cost Up to 15 days $14.56 16 to 45 days $26.47 46 to 75 days $59.56 76 to 195 days $119.12 196 to 315 days $264.72 316 to 365 days $316.67
For students who are studying abroad through the Study Abroad Office, your program provider will give you the official dates for your program that you must use for your insurance policy. If you are traveling independently before or after your program, you can not include those dates for your AJG policy. If you have any questions about what dates to enter, get in touch with your study abroad advisor as soon as possible. AJG offers the option of enrolling online through a self-enroll portal. Click the link below and select “Student Travel Insurance Enroll” on the left side menu. You must create an account to enroll. Upon enrollment, you will have access to the insurance brochure, claim forms, and insurance card.
For faculty and staff who are travelling on university-connected business, click the link below and select “Faculty/Staff Travel Insurance Enroll” on the left side menu.
AJG Policy Information
For medical referrals, evacuation, repatriation or other services please call Gallagher Global Assistance at 1 (866) 693-6873 (Toll-Free) 1 (312) 935-9242 (Direct Dial). You can also email them at GallagherGlobalAssistance@ajg.com. Many hospitals or medical centers may require payment at the time of service. If this occurs, you will be responsible for contacting Health Special Risk for reimbursement and their information, including the claim form, can be found on www.gallagherstudent.com/uic by clicking on the Claims Company link on the left side of the page. If you are hospitalized or wish to schedule a doctor’s appointment ahead of time, please contact Gallagher Global Assistance so that they may contact the hospital on your behalf and try to arrange for direct payment to the hospital.
AJG Schedule of Benefits
AJG Plan Information
To be exempted from purchasing the University of Illinois AJG insurance, you must have had your personal insurance company or companies complete and sign the Petition for Exemption from the University of Illinois AJG Insurance, stating that your international coverage is comparable to that of AJG. This form must be submitted to the Study Abroad Office three weeks prior to the first Pre-Departure Orientation. No exemption will be allowed without a completed and signed Petition.
Cancellation & Interruption for Any Reason Insurance (CFAR/IFAR)
UIC recommends that all travelers consider purchasing Cancellation & Interruption For Any Reason (CFAR/IFAR) insurance for domestic and international trips. CFAR/IFAR insurance can help protect your investment in your trip in the event the trip is cancelled before departing or interrupted during a trip for any reason, including the threat or fear of COVID-19.
There are several CFAR/IFAR insurance options available online to choose from. One option for a CFAR/IFAR insurance policy that provides at least 75% reimbursement coverage for CFAR/IFAR benefits is available below. While you are free to purchase CFAR/IFAR coverage from any provider, our preferred provider is through Travel Insured International. You can view their offerings here on UICs custom webpage. The information below is specific to the CFAR/IFAR insurance option listed on the hyperlink above. UIC has vetted the option above through our broker, Arthur J. Gallagher & Co., as a comprehensive solution that provides 75% reimbursement for CFAR/IFAR claims.
CFAR/IFAR insurance will cover:
- A percentage of your program fees, housing, and flights if your program is canceled or you withdraw from the program for any reason if these expenses are non-refundable.
- CFAR/IFAR insurance will not cover: any program fees, housing, or flights that are refunded through your program, housing, or airline as a result of a trip interruption or cancellation.
As you consider purchasing CFAR/IFAR insurance, make sure you know the following:
- What is and is not covered – specifically in relation to COVID-19 and pandemics since not all CFAR/IFAR insurance policies cover COVID-19 or pandemic diseases
- Your airline’s flight cancellation refund policy
- Your program’s cancellation and refund policies
- The terms of your housing contract, the cost of housing, and when deposits and expenses are owed for your housing
Ready to enroll in CFAR/IFAR insurance?
For the option offered through Arthur J. Gallagher & Co., travelers must enroll in CFAR/IFAR insurance within 21 days of receiving a non-refundable bill for a coverable expense. Make sure you know when important payment due dates for your program are including any potential program deposits, program fee payments, housing deposits, and airfare payments will be made.