Student Insurance
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
- Effective on or before the first day of the semester student is enrolling in.
- Active and continuous for the entire semester with no break in coverage.
- Include coverage for illness and injury (accident only plans do not qualify).
- Include coverage for emergency and non-emergency services in the Moscow/Pullman area; OR area of program.
- Include coverage for mental health and prescription services.
- Cover injury while participating in intramural, club, or NCAA intercollegiate sports programs (if participating).
- International students must be covered by a policy provided by their sponsoring government.
Substantial Compliance Standards
- Effective on the first day of the calendar month following the first day of the semester.
- Effective on or before the first day of the calendar month following an involuntary loss of previous coverage.
- Gaps in coverage of no more than 7 days.
- Access to COBRA coverage for gaps longer than 7 days.
- Approved appeal through the Student Insurance and Business Office.
Submit Insurance Information
Personal insurance information must be submitted online before the first day of the semester. To submit information:
- Log in to VandalWeb using your NetID and password
- Click on “Students Menu”
- Click on "Student Health Insurance Menu"
- Click on “Health Insurance Information Form”
- Select "Upcoming Term"
- Provide requested insurance information
- Submit
NOTE: Government sponsored international students cannot complete the form online. They must submit a completed, signed hard copy of the printable Health Insurance Information Form (below) AND a copy of both sides of their health insurance card to the Student Insurance and Business Office by the deadline.
Printable Health Insurance Information Form
Students who register for classes after the semester begins, government sponsored international students, and students who did not submit a Health Insurance Information Form online before the first day of classes (late fees will apply) may print and submit a Health Insurance Information Form.
Download Health Insurance Information Form (PDF) »
Completed forms can be sent to health@uidaho.edu from your official Vandal email account, faxed to 208-885-1002 or dropped off in the Student Health Building Room 129.
Update Insurance Information
Students who submitted a Health Insurance Information Form and have a change in policy after the semester begins may update their information online after the semester begins.
To submit information:
- Log in to VandalWeb using your NetID and password
- Click on “Students Menu”
- Click on "Student Health Insurance Menu"
- Click on “Update Health Insurance Information Form”
- Select term from the drop-down list (only available after semester begins)
- Complete form
- Submit
What if I don't have personal insurance?
U of I offers the Student Health Insurance Program (SHIP) to students not covered by personal insurance. Learn more »
Health Insurance Appeals
The Student Insurance and Business Office as the administrating department of the University of Idaho Insurance Requirement has established the following procedure regarding health insurance appeals for exemptions or exceptions to the requirement. Appeals should be sent from the student’s official Vandal email to health@uidaho.edu.
- An appeals committee meets monthly as needed to review requests for insurance requirement exemptions and exceptions.
- A request for review must be submitted in writing to the Student Insurance and Business office to the attention of the SHIP Manager and must contain a clear and concise statement of the reason(s) for the appeal. The student has the burden of establishing justification and providing supporting documentation necessary to demonstrate the request for an appeal.
- The committee may also consider appeals for special circumstance SHIP enrollment. Requests should contain a clear and concise statement of the reason(s) for the appeal. Supporting documentation may be required from their academic advisor and/or department.
- The Student Insurance and Business office will compile background information from the student’s health insurance record including: SHIP audit log of communication and intercepts, audit results, and current enrollment status.
- Additional information and documents of coverage may be requested from the student during the appeal process.
- Approved appeals are for one term only.
Questions?
Email the Student Insurance and Business Office.