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Waive Your School's Insurance


Welcome to the Waive Your School’s Insurance Center!

This page is for those students who wish to opt-out (waive) out of the coverage under their school’s student insurance plan. The school’s student insurance plan can only be waived if the student has coverage under another acceptable insurance plan.

The first step to waive out of your school’s student insurance coverage is to verify that you are an eligible student.


2022-2023 Waiver Information


Hard Waiver Student Eligibility

  • All undergraduate students enrolled in 12 or more credit hours
  • All international students


Are automatically enrolled in this insurance plan, unless proof of comparable coverage is furnished during the open enrollment/waiver period.

Students must actively attend classes for at least the first 31 days after the date for which coverage is purchased. Home study, correspondence and online courses do not fulfill the Eligibility requirements that the student actively attend classes.


Hard Waiver Student Instructions

Students are required to Enroll or Waive for EACH SEMESTER. If a student waived or enrolled in the Fall, the student must waive or enroll again for the Spring Semester.

Waiver Deadlines:

  • Fall Deadline Date – 9/15/22
  • Spring/Summer Deadline Date – 1/31/23



If you have missed the hard waiver enrollment deadline, but have not previously waived out of the insurance, you will be automatically enrolled in the insurance by your school, after the waiver deadline. Once you are enrolled in the plan, there are no cancellations or refunds.

Once you have completed the waiver form, an email will automatically be sent to your campus email address notifying you of the waiver request decision.

If you receive a:

Pending e-mail – Your waiver is pending. Once verification of coverage has been completed, you will be notified to your school e-mail, if your waiver has been approved or denied

Approval e-mail – Your waiver was approved. You should print this e-mail and save it with your records.

Denial e-mail – Your waiver was denied. If you would like us to look this over or if you answered a question incorrectly, please contact us.

All waiver decision emails are sent securely from the following companies:  Office 365 & Cisco. (From FirstRiskAdvisors.com) Please do not delete the email and please check your spam or junk folder.


Open Enrollment Periods

If you are eligible to purchase coverage in the fall and you choose not to enroll in coverage before the Fall Enrollment Deadline of *September 15, 2022, you, and your dependents, will not be eligible to enroll again until the start of the next open enrollment period.

*For students in the Spring semester, your open enrollment deadline is January 31, 2023.


Qualifying Life Event

Students who did not enroll themselves during the open enrollment period may be able to enroll in the policy if they experience a Qualifying Life Event.

Qualifying Life Events include:

  • Acquiring a new family member
  • Marriage/Civil Union
  • Divorce
  • Loss or change of Job
  • Expiration of Benefits

If you meet the requirements for a Qualifying Life Event, you will need to provide the following:

  • Proof of qualifying life event/proof of involuntary loss of coverage
  • Enrollment Form
  • Payment

All documents and payment must be received within 30 days of the qualifying life event. After 30 days, the student or dependents will no longer be eligible to enroll in the plan, until fall of the following school year.

Please Contact Us for cost and enrollment information as a Qualifying Life Event.


If you have any questions about the waiver process, please call
800-505-4160 or CONTACT US

We are always happy to help in any way.

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