Student Health Insurance, Sports Insurance & Renters Insurance

2024/2025 Student Health Insurance & Sports Insurance

• The Waiver Process must be completed Annually. Students who are enrolled in Hamilton’s MVP health insurance will be billed an annual premium of $3,170.66 (MVP Insurance Carrier Rate - $3,048.72 - Broker Fee - $121.94); Fall only premium is $1,321.10 (MVP Insurance Carrier Rate - $1,270.30 - Broker Fee - $50.80); Spring only premium is $1,849.54 (MVP Insurance Carrier Rate - $1,778.42 - Broker Fee - $71.12).
• The Spring Waiver Deadline is January 10, 2025. To complete the process, see the Annual Waive Insurance Process link down below.
• International students are required to be on the student health plan. If you are thinking about buying a US-based health insurance plan, consult with Haylor, Freyer & Coon at 866-535-0456 or student@haylor.com to make sure it meets Hamilton's waiver requirements. 
• Please complete the waiver to avoid being AUTO ENROLLED and receiving unnecessary charges. If your insurance has changed, or you have questions, please contact Amber Denny at adenny@hamilton.edu or 315-859-4974.
• Eligible financial aid students who have been billed the student health insurance premium may receive an additional grant to offset a portion of the student health insurance premium. The Financial Aid Office will notify students directly regarding their insurance grant eligibility; no action is required by the student. If you have any questions regarding your eligibility for a student health insurance grant, please contact the Financial Aid Office at 1-800-859-4413.

• Get The All-New Gia - Wherever life takes you, take Gia. It’s your guide to your health and your health plan, all in one easy-to-use mobile app. When To Use the Gia® by MVP Mobile App

Annual Waive Insurance Process

Intercollegiate Sports Accident

In the event of an intercollegiate sports accident, the insurance is secondary to any other insurance carried by the student. However, the insurance will cover any deductible or charges excluded by the primary insurance.

All student intercollegiate sports accident claims must be submitted to the student’s insurance carrier first.  The balance can be submitted to the College’s carrier.  Students are responsible for filing their insurance claims.  The College does not handle direct billing.

Intercollegiate sports accident claim forms can be obtained at the Health Center or from the Athletic Trainer.  For detailed information on insurance coverage, contact Administrative Services at 315-859-4974. 

Renters' Insurance Options for Students, Faculty, and Staff to cover personal property

Renter’s Insurance/Personal Property Insurance

It is important for students to be aware of and fully consider all of their property insurance needs. Hamilton College does not carry insurance on students’ belongings and does not pay to replace them. Occasionally, theft, water damage, accidental damage, and other events occur that may result in damage or loss of a student’s property. Therefore, parents and students are strongly encouraged to make sure they can cover these unexpected costs or secure insurance protection on personal property.

The most frequent causes of student property loss are theft and accidental damage (dropping, spilling liquids, and similar events). If this were to happen, the out-of-pocket costs to repair or replace would generally run between $500 and $2,000. Some parents choose to rely on homeowner’s (HO) insurance to cover such losses. Homeowner’s policies provide some coverage but generally do not cover “breakage” or accidental damage and usually have high deductibles that effectively leave most student property losses unrecoverable.

Comparison of College Renter’s Insurance vs. Homeowner’s (HO) Insurance

Many companies offer renters insurance. We do not endorse any single insurance company. The following three companies offer specialized property protection insurance.

• AMBA (Mercer’s was acquired by AMBA, Association Member Benefits Advisors)., CampusConnexions

• NSSI National Student Services, Inc.
• Lemonade

These companies have created property insurance plans, especially for living away from home, either on or off campus. The coverage afforded by these policies is broader than most renters’ and homeowners’ insurance policies. Special provisions and benefits of their policy include:

• Replacement cost value
• Worldwide coverage
• Limited Identity Theft expense coverage
• Water damage and vandalism or even accidental damage
• Low deductibles start at $25 (A deductible is an amount you pay before the insurance covers the claim)
• Low premiums start at $69 annually (A premium is the amount of money charged by the insurance company for the chosen plan)
• Full 12 month policy period

Please note that Liability Coverage is not automatically included. You will be given the option to purchase Bodily Injury and Property Damage Liability Coverage to pay for damages for which the student is held legally liable (i.e., damages to the dorm room, damage to property of others, bodily injury of another party, etc.)