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 colleges 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 colleges provide partial refunds for student withdrawals, they are limited and usually effective when a student withdraws early in the term. The Tuition Refund Plan dramatically enhances the college 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 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
    80% of the insured term tuition, less any refund or credit due to you from the college, 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
    80% of the insured term tuition, less any refund or credit due to you from the college, will be refunded provided your medical condition is certified by a licensed physician and you have completely withdrawn from all classes for a condition whose diagnosis is found in the DSM-V Manual.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 college 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 the injury or sickness and college verification 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 $98.00 per semester for the 2019/20 academic year. Full-time undergraduate students are billed for coverage by the college at time of initial tuition billing for each semester. Students who waived this coverage and have determined they would like to reapply for the coverage should contact Dewar directly before classes begin to purchase it.

Q.  What are the conditions of coverage?

A.  Student protection covers a full term, from the opening to closing date. The Tuition Refund Plan coverage refunds on a term basis only. Coverage ceases on the last day of the formal academic instruction by the college due to any reason.

Q.  What Is Excluded?

A.  Note that the Plan does not cover the following: war or any act of war, declared or undeclared; 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; 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 college, banks and government agencies, up to the coverage amount.

Q.  How are claims filed?

A.  Claim forms with full instructions are available at the college Student Accounts office or online at 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 college to be credited to the student's account. Benefits not required to settle your account with the college will be refunded to the insured by A.W.G. Dewar, Inc.


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

Waiver Information and Instructions:

All Students are billed $98.00 per semester and are automatically enrolled in this plan unless they complete the waiver to opt-out online at

The waiver must be submitted by August 9, 2019 for the fall semester and by January 10, 2020 for the spring semester.  

For questions regarding the waiver process and other general questions, please contact Amherst College Student Accounts at 413-542-2817/2811 or