Insurance

Make sure you've got the right insurance. For some countries and universities you must purchase a local health insurance policy, on top of your University of Leeds insurance and any top-up cover you may choose to buy.

UNIVERSITY OF LEEDS INSURANCE

If you’re completing a study abroad year as part of your degree, you’ll automatically be covered by the University of Leeds’s travel insurance policy at no cost. The policy is a comprehensive travel insurance package but you should read the policy wording carefully before you travel, as there are some exclusions in both the healthcare and personal effects sections, as well as some limitations to where you can travel to on personal holidays during your year abroad. It is your responsibility to make sure that the policy fits your personal requirements and to make arrangements for additional cover if necessary.

COUNTRY AND UNIVERSITY-SPECIFIC REQUIREMENTS

Many students will be required to purchase an additional health insurance policy depending on local legislation. Some countries have a nationwide insurance policy that all international students are required to purchase. In other countries, universities have their own mandatory health insurance policies that all international students are required to purchase. The information below will give you an idea of insurance costs in countries that are known to operate compulsory insurance policies (correct on 08/08/2017).

EUROPEAN ECONOMIC AREA AND SWITZERLAND 

New NHS rules mean that if you are going to on a study or work placement abroad within the European Economic Area or Switzerland which will last more than six weeks, you must apply for a special Student EHIC. If you have a regular EHIC, it will not be valid for your placement abroad. To understand how to apply please read these student EHIC FAQs.

ARGENTINA

Students studying in Argentina are required to purchase a health insurance policy from a provider based in Argentina. This will need to be organised before you can begin classes at your host university, and your host university can advise on local insurance providers. Costs will vary depending on the provider.

AUSTRALIA

All international students studying in Australia must purchase the nationwide, government-run Overseas Student Health Cover (OSHC) in order to be eligible for a visa. OSHC can cost approximately $750 AUD, and most universities will recommend a preferred provider. If you choose not to purchase your host university’s preferred policy as recommended in your offer letter, be sure to seek advice from your host university as to the required length of coverage before committing to an alternative policy.

CANADA

All international students must purchase a university-specific health insurance policy dependant on the host university they attend. The costs outlined below are based on the 2017/18 academic year and are subject to change (all figures quoted are in Canadian dollars and based on a full academic year).

  • Brock University: $459
  • Carleton University: $459
  • Concordia University: $732
  • Dalhousie University: $761
  • McGill University: $662
  • McMaster University: $459
  • Queens University: $459
  • Ryerson University: $459
  • Simon Fraser University: $781
  • Trent University: $459
  • Université de Montréal: $972 (2016/17 rate)
  • Université de Quebec à Montréal: $696
  • Université de Quebec à Trois Rivières: $1044 (2015/16 figure, subject to change)
  • University of Alberta: $288 (2016/17 rate)
  • University of Calgary: Do not require purchase of local health insurance
  • University of Ottawa: $459
  • University of Manitoba: Students entitled to free provincial healthcare coverage
  • University of Toronto: $459
  • University of Victoria: $450 (plus three month interim cover – see UVic website)
  • University of Waterloo: $459
  • Western University: $459
  • York University: $459

JAPAN

Students must register for National Health Insurance on arrival. The average premium is approximately ¥20,000 per year (divided into monthly payments) but this varies considerably by university as the cost is heavily subsidised by the government and universities.

NEW ZEALAND

All international students must purchase a university-specific health insurance policy, dependant on the host university they attend, in order to complete registration. Currently policies cost approximately $600 NZD. All students are expected to purchase the policy unless the host university agrees to waive it, based on the student having an acceptable alternative policy. Leeds can advise on the waiver application process.

SINGAPORE

All international students must purchase a university-specific health insurance policy dependant on the host university they attend. Costs vary between universities and the insurance policy is charged on arrival as part of a general student services fee at all Singaporean universities, which all exchange students must pay. The student services fees outlined below are based on the 2017/18 academic year (figures quoted are in Singapore dollars and based on a full academic year).

  • National University of Singapore  S$250.92
  • Nanyang Technological University  S$326.10
  • Singapore Management University  S$250

SOUTH AFRICA

All international students must purchase a South Africa-based health insurance policy in order to be eligible for a student visa. The host university can advise on providers. This can cost around R350 per month of study.

USA

All international students must purchase a university-specific health insurance policy dependant on the host university they attend. All students will be expected to purchase the university-specific policy unless the host university agrees to waive it. It is increasingly rare for US universities to agree to waive their insurance requirements due to the complexity of healthcare legislation and the high cost of healthcare in the USA. You will need to contact your host university after you have been accepted to enquire about the waiver request process. The costs outlined below are based on the 2017/18 academic year and are subject to change (all figures quoted in US dollars and based on a full academic year).

  • Arizona State University: $1875
  • California State University Monterey Bay: $820
  • California State University San Marcos: $1581
  • The College at Brockport (State University of New York): $1179
  • Colorado School of Mines: $1990
  • Drexel University: $2166
  • Embry Riddle Aeronautical University: $2024
  • George Washington University: $2651
  • Georgia Institute of Technology: $1856
  • Juniata College: $1616
  • North Carolina State University: $2540
  • Northern Arizona University: $1875
  • Pennsylvania State University: $2444
  • Purdue University: $1229
  • Rensselaer Polytechnic Institute: $1284 
  • Stony Brook University (State University of New York): $1415
  • Towson University: $2360
  • University of Illinois at Urbana Champaign: $794
  • University of Kansas: $1464
  • University of Louisville: $2550
  • University of Massachusetts Amherst: $1545
  • University of Minnesota: $2000
  • University of Mississippi: $2157
  • University of Nebraska: $2352
  • University of New Mexico: four set options ranging from $253 to $1090
  • University of North Texas: $2026
  • University of South Carolina: $2020
  • University of Rochester: $2292
  • University of Vermont: $3116 
  • University of Wisconsin-Madison: $1395 (age 25 and under); $2076 (age 26+)
  • Western New England University: $2950