Tuition Refund Plan

Every year thousands of college students are forced to withdraw from classes due to sickness or injury.

The Tuition Refund Plan...

was originated by A.W.G. Dewar in 1930 to protect the financial investments of students and parents in education. Today, more than 1,200 leading independent schools and universities throughout North America offer the Plan. Because the cost of education today is a substantial investment, in fact, one which is likely to be your second largest next to a home purchase, the protection afforded by the Tuition Refund Plan is essential.

While most universities provide partial refunds for student withdrawals, they are limited and usually only effective when a student withdraws early in the term. The Tuition Refund Plan dramatically enhances the university refund schedule and provides more generous refunds throughout the entire term. Subject to the program terms and conditions, the Tuition Refund Plan offers a refund of term tuition and fees when you are forced to withdraw for medical reasons.

Q.  What Is Covered?

A.  The Tuition Refund Plan covers the following:

  • Injury and Sickness Withdrawals
    100% of the insured term tuition and institutional room and board, less any refund or credit due you from the university, will be refunded provided your physical condition is certified by a licensed physician and forces you to completely withdraw from all classes for the balance of the term.
  • Mental Health Withdrawals
    60% of the insured term tuition and institutional room and board, less any refund or credit due you from the university, will be refunded provided you are confined in a hospital for two consecutive days during the term and have completely withdrawn from all classes for a condition whose diagnosis is found in the DSM-V Manual.

In both cases a "complete withdrawal" from the university is required. This means the student has given written notice that due to an injury or sickness he/she will not be able to complete the term and will not receive any academic credit. A written statement from a doctor certifying that the injury or sickness prevents the student from completing the rest of the semester is required. All mental health withdrawals will be classified in accordance with the American Psychiatric Association's Diagnostic and Statistical Manual DSM-V.

Q.  How much does it cost?

A.  The cost is 0.63% of insured tuition and fee amount.

$298.00 is the charge for full coverage in the Dewar Tuition Refund Plan for the 2014-15 academic year, which includes both the Fall and the Spring semesters (or $149.00 for one semester only). This amount represents a rate of 0.63% of total insured tuition and fees of $47,270.00. This amount is based on the average annual cost of attendance amounts used by financial aid and is composed of $36,120.00 for Tuition, $5,790.00 for Room, and $5,360.00 for Board.

For upperclassman not living on campus (no institutional room and board charges), the cost is $228.00 for the 2014-15 academic year (or $114.00 for one semester only).

Q.  How does the Enrollment Process work?

A.  Students Enrolled or Readmitted Fall 2013 and After
All students attending Southwestern University for the first time are automatically enrolled in the Dewar Tuition Refund Plan and billed the annual amount of $298.00, or $149.00 for the Spring semester only, at the time of initial tuition billing. Any student has the option of waiving this coverage by completing the waiver form. After this waiver information is received, Southwestern University will credit your student account for $298.00/$149.00. To change the dollar amount of tuition and fees coverage by your plan, please contact the Business Office at Southwestern University at 512-863-1928 or If a student has already waived coverage and then determines they would like to reapply, please contact Dewar directly.
**For Spring 2015 - all waivers and changes should be made by December 31, 2014. No changes will be allowed after classes begin on January 12, 2015.

Students with Continuous Enrollment Prior to Fall 2013
All students returning to Southwestern University with continuous prior enrollment prior to Fall 2013 will receive information about the Dewar Tuition Refund Plan in the mail at your permanent home address. Any student wishing to purchase coverage should contact Dewar directly before the first day of class.

Q.  What are the conditions of coverage?

A.  Student protection covers a full term, from the opening to closing date. Applications must be received before the term’s opening date. The Tuition Refund Plan coverage refunds on a term basis only. If your premium covers a full-year, and if for any reason you do not return for subsequent terms, please notify the University and any unused premium will be refunded to you. Applications will not be accepted after classes begin. Coverage ceases on the last day of the formal academic instruction by the University due to any reason. Room, meals or other charges that are not paid to the University cannot be insured.

Q.  What Is Excluded?

A.  Note that the Plan does not cover the following: war or any act of war, declared or undeclared; terrorism; the use of any drug, narcotic or agent which is similarly classed or has similar effects, (excepting when it is prescribed by a doctor); taking part in a riot; failure to attend classes for any reason other than injury or sickness; withdrawal when the student receives credit for an incomplete term; suicide or intentional self-inflicted injury or sickness; initiating, taking part, or being active in a nuclear reaction, nuclear radiation or radioactive contamination.

Q.  Are Student Loans covered by this Plan?

A.  Yes, the Plan provides an important benefit that covers not only payments made directly by the family, but also loans for the semester with the university, banks and government agencies, up to the coverage amount.

Q.  How are claims filed?

A.  Claim forms with full instructions are available at the University or by contacting A.W.G. Dewar, Inc. Claims should be reported within 30 days from occurrence or as soon as is reasonably possible. Students are responsible for the completion of the claim form. Benefit payment is made to the University to be credited to the student's account. Benefits not required to settle your account with the University will be refunded to you through the University.


Please contact A.W.G. Dewar Inc., Quincy, Massachusetts.

Phone: (617) 774-1555
Fax: (617) 774-1715

The Tuition Refund Plan is underwritten by Atlantic Specialty Insurance Company, New York, NY, a member company of the OneBeacon Insurance Group, for A.W.G. Dewar, Inc., dba A.W.G. Dewar Insurance Agency, Four Batterymarch Park, Quincy, MA 02169-7468. The name of each student is listed on a policy which is held by the college business office, not as agent for the insurance company, but on behalf of insured students and their parents. The information provided above is an outline of coverage for the ensuing academic year. Actual coverages are governed by the insurance policy on file in the college’s business office. Coverage may change each academic year. A.W.G. Dewar, Inc. is the originator of the trademarked Tuition Refund Plan.

Who is A.W.G. Dewar?

The Tuition Refund Plan was originated in 1930 by A.W.G. Dewar to protect the financial investment of students and parents in education. We are currently in our ninth decade of exclusive service to the educational community.

Today, over 1,200 leading independent schools and colleges throughout North America offer the Plan. The Plan described on this site has been specifically designed for the needs of college students and parents. It offers the unique benefit of refunding a portion of term tuition and fees when a student is forced to withdraw for medical reasons, subject to the terms and conditions of the policy.

This Plan is administered by A.W.G. Dewar, Inc., Quincy, Massachusetts.

A.W.G. Dewar, Inc.
Four Batterymarch Park
Quincy, Massachusetts 02169-7468
Phone: 617-774-1555 Fax: 617-774-1715

We're sorry; the waiver period is currently closed. The deadline to waive tuition refund coverage has either passed, or has not yet opened for the school year. Please check with your college or school for the specific waiver period dates. Students who do not waive coverage before the date of close are automatically enrolled in the Tuition Refund Plan.