The University of Idaho requires all full-time, fee-paying, degree-seeking undergraduate students enrolled in 12 or more credits; graduate/Law students enrolled in 9 or more credits to submit proof of health insurance as a condition of enrollment.   Students subject to the requirement may choose to rely on personal health insurance or enroll in U of I's Student Health Insurance Program (SHIP).

International students enrolled in 1 or more credits must have a policy provided by their sponsoring government or enroll in the University of Idaho Student Health Insurance Program (SHIP).

Health insurance must meet the minimum requirements or substantial compliance standards to qualify.

Students who are discovered to be uninsured or have insurance that does not meet the minimum requirements will be enrolled in the U of I's Student Health Insurance Program and a semester charge will be placed on the student's account. The Student Accounts Office coordinates charges and billing for student accounts subject to the University of Idaho financial terms and conditions. Additional information can be found at Student Accounts.

Minimum Requirements

1. Effective on or before the first day of the semester student is enrolling in.
2. Active and continuous for the entire semester with no break in coverage.
3. Include coverage for illness and injury (accident only plans do not qualify).
4. Include coverage for emergency and non-emergency services in the Moscow/Pullman area; OR area of program.
5. Include coverage for mental health and prescription services.
6. Cover injury while participating in intramural, club, or NCAA intercollegiate sports programs (if participating).
7. International students must be covered by a policy provided by their sponsoring government.

Substantial Compliance Standards

1. Effective on the first day of the calendar month following the first day of the semester.
2. Effective on or before the first day of the calendar month following an involuntary loss of previous coverage.
3. Gaps in coverage of no more than 7 days.
4. Access to COBRA coverage for gaps longer than 7 days.
5. Approved appeal through the Student Insurance and Business Office.