Health Insurance

All international students at UCA are required to purchase health insurance meeting certain criteria. UCA offers an insurance plan designed for international student through Trawick International. Students are automatically enrolled for insurance with Trawick International if they do not meet the exempt status or submit an eligible waiver (see below). The deadline for submitting proof of alternate insurance coverage is two weeks after the first day of class.

Post-completion OPT or CPT students can enroll in Trawick International insurance if they contact International Engagement with payment before the second week of class each semester. Coverage is neither mandatory nor automatic for students on OPT or post-completion CPT. International Engagement must also be notified of any dependents added to the students coverage before the second week of classes each semester.

Trawick International

Overview of the Policy

The health insurance offered through UCA’s International Enagagement is Trawick International

  • $117 premium per month, billed in full at the beginning of each semester
  • Covers accidents and sickness up to $100,000
  • $100 deductible per policy year
  • Policy year runs from August 1 – July 31
  • Includes 2 doses of MMR and T-Spot test for incoming students if receiving from the Student Health Clinic.
  • Certain medical procedures or treatments require prior authorization
  • Pre-existing conditions waiting period is 12 months
  • Claims must be filed within 90 days of the accident or illness
  • Visit to file a claim, check the status of a claim, submit a questionnaire or up-date contact information.
  • For MMR and/or T-Spot reimbursements, use the
  • The default address for students is the Carol Adcock International House. Students must update contact information to receive mail at their correct address
  • For details and a full list of exclusion visit
  • For assistance contact the Office of International Engagement at


In August students will pay for 5 months of coverage and in January for 7 months of coverage as part of their tuition and fees. This gives students 12 months of total coverage and prevents gaps in insurance during the summer. Only students participating in an exchange are eligible for 5 months of coverage in the spring. Students who submit no documentation of alternative coverage or do not belong to an exempt category will be automatically charged insurance on their student account. This charge will not be removed if the policy is submitted after the deadline.

Medical Insurance Waiver

Alternative Coverage Requirements

Students who purchase alternative insurance must submit proof of coverage meeting the following criteria:

  • Medical benefits of at least $100,000 per accident or illness
  • Repatriation of remains in the amount of $50,000
  • Expenses associated with the medical evacuation of the exchange visitor to his or her home country in the amount of $50,000
  • A deductible not to exceed $500 per accident or illness

Note: GEP students are not eligible to waive their insurance coverage.
*Students with immediate family members in the US are exempt from this requirement with written request.

Submitting Proof of Alternative Coverage

To apply for an insurance waiver, students must submit a copy of their current medical insurance policy meeting the criteria above before the deadline of two weeks after the first day of class. The policy must be in English or with English translation and cover the entire semester. If the policy on file with International Engagement is out of date or below the requirements listed above, it is the student’s responsibility to update their coverage and submit this information. Students with an out of date policy will be charged for Trawick International insurance for the semester.

Filing a Claim

Students are encouraged to process claims through Trawick International by going to Follow these instructions for filing a claim online.

The exception is students filing a claim for reimbursement from the MMR vaccine and/or T-Spot test. Please follow these special instructions for filing claims related to MMR and T-Spot.