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.

Q.  What is the purpose of the Tuition Refund Plan coverage?

A.  Southwestern University is pleased to offer an optional tuition insurance program which will protect your financial investment. The Tuition Refund Plan, offered by A.W.G. Dewar Insurance, provides coverage of tuition, on-campus room and board when a student is required to withdraw from school due to a medical or mental health illness that prevents them from completing the semester. The program is designed to supplement Southwestern University’s standard refund policy. The Tuition Refund Plan offers up to 75% coverage for withdrawals due to medical illness or injury and mental health withdrawals, in accordance with policy terms and conditions. Please see the details below for additional information.

The chart below indicates how this program supplements the University’s own refund schedule for a typical semester should you withdraw due to illness or accident.

If the Withdrawal Occurs:







During first full week of classes 80% 0% 80%
During second full week of classes 60% 15% 75%
During third full week of classes 50% 25% 75%
During fourth full week of classes 40% 35% 75%
During fifth full week of classes 30% 45% 75%
After the fifth full week of classes 0% 75% 75%


Q.  What Is Covered?

A.  The Tuition Refund Plan covers the following:

  • Injury and Sickness Withdrawals
    75% 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
    75% 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 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 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 0.86% of insured tuition and fee amount.

$506.00 is the charge for full coverage in the Dewar Tuition Refund Plan for the 2021-22 academic year, which includes both the Fall and the Spring semesters (or $253.00 for one semester only). This amount represents a rate of 0.86% of total insured tuition and fees of $58,880.00. This amount is based on the average annual cost of attendance amounts used by financial aid and is composed of $46,800.00 for Tuition, $6,600.00 for Room, and $5,400.00 for Board.

For an upperclassman not living on campus (no institutional room and board charges), the cost is $402.00 for the 2021-22 academic year (or $201.00 for one semester only).

Q.  How does the Enrollment Process work?

A.  All students attending Southwestern University are automatically enrolled in the Dewar Tuition Refund Plan and billed the annual amount of $506.00 or $253.00 for the Spring semester only, at the time of initial tuition billing. If living off campus, the premium amount will be adjusted after the 12th class day to $402.00. Any student has the option of waiving this coverage by completing the on-line waiver form. After this waiver information is received, Southwestern University will credit your student account for $506.00/$253.00. To change the dollar amount of tuition and fees coverage by our 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 Fall 2021 - all waivers and changes should be made by July 15, 2021. No changes will be allowed after August 22, 2021.

Q.  What are the conditions of coverage?

A.  Students must be enrolled at Southwestern University and pay the annual premium which is billed to the student account to meet the conditions of coverage. Your protection covers a full term from the opening to closing date.  Coverage must be secured before the first day of class.  This coverage refunds on a term basis only. Requests to participate in coverage will not be accepted after you start classes. Coverage ceases on the last day of 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. University fees such as vehicle registration, health insurance fee, music fees, lab fees, overload fees, library fines, parking fines and the cost of Dewar insurance are not covered by this Plan.

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; suicide or intentional self-inflicted injury or sickness; initiating, taking part, or being active in a nuclear reaction, nuclear radiation or radioactive contamination.

NOTE: Coverage does not refund insured tuition or any other charges because of a change to online instruction or alternative learning platform.

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 Academic Success & Registrar Office or by contacting A.W.G. Dewar, Inc. Claims should be reported within 30 days from occurrence or as soon as is reasonably possible. You should arrange for the completion of the two College Medical Withdrawal Certificates. 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

Tuition Refund Plan policies are underwritten by Atlantic Specialty Insurance Company and OBI National Insurance Company. Plan policies are produced by A.W.G. Dewar, Inc., dba A.W.G. Dewar Insurance Agency, Four Batterymarch Park, Quincy, MA 02169. The name of each student is listed on a policy which is held by the school business office, not as agent for the insurance company, but on behalf of insured students and their parents. This leaflet is an outline of coverage for the ensuing academic year. Actual coverages are governed by the insurance policy on file in the school’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

The deadline for waiving is:

August 23, 2015

Don't let an unforeseen illness or accident prevent you from completing your education.

Every year thousands of college students are forced to withdraw from classes due to sickness or injury. The accompanying loss of tuition payments can undermine a family's educational budget.

For more than 80 years, the Dewar Tuition Refund Plan has assisted students to continue their education by providing refund benefits when illnesses or injuries prevented them from completing a term.

Please note that all students are automatically enrolled in this insurance program and will be billed for the premium charge unless a waiver of benefits is completed.

To request a change in the amount of coverage provided, do not complete this waiver. Contact the Southwestern University Business Office directly at 512-863-1928 or

Those who wish to waive the coverage, please complete the waiver form on this page. By submitting this form, you are waiving your entitlement to any coverage offered by the Tuition Refund Plan and you will not be responsible for the cost to participate.