Protecting Students & Families

Tuition Refund Insurance

Helping independent schools protect students and their families is a primary concern for Fred C. Church. We do this in a variety of ways, from ongoing risk mitigation assessments to offering crisis management tools. Today, we are pleased to bring you a program to help safeguard your school and your community of students: Tuition Refund Insurance.

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Why Tuition Refund Insurance?

Your enrollment contract with students and their parents typically holds them financially responsible to pay you the full amount of tuition and fees, regardless of why they withdraw their child. With Tuition Refund Insurance, an insurance contract pays a portion of the tuition/insured fees when a student withdraws from school for a covered reason.

Our Program Includes Tuition Continuance Coverage

While most coverages are triggered by a withdrawal, in the event of a job loss or death of a tuition payer, students can have their claims paid without having to withdraw from school and can stay enrolled for the remainder of the year.

Number of Schools & Premium Volume

100+ schools enrolled, estimated $6M in overall program premium.

Start Date

Coverage for all causes of loss, except voluntary withdrawal, begins 7/1 of each year. Voluntary withdrawal begins 14 calendar days after the student’s first day of class (the student must regularly attend class during those 14 days).

Pre-existing Conditions

No pre-existing condition exclusion.

Reimbursement Timeline

Average claims closed within 24–48 hours and checks mailed to the school.

Mental Health

Mental health is included in the definition of medical withdrawal; no separate coinsurance percentage is required.


Larger deductible options available for bigger independent schools.

Tuition Reimbursement

We’re committed to doing our very best for you.

We’re committed to doing our very best for you.