What is InsureTuition?

InsureTuition is a camp tuition reimbursement insurance policy. InsureTuition reimburses the non-refundable portion of tuition if your child is unable to attend camp or must interrupt his or her camp session due to covered reasons. The camper is eligible to receive up to the total amount of paid, non-refundable tuition, subject to a maximum of $20,000. It also provides the camper with an additional benefit should an accidental death occur.

For example: You enroll your camper at Camp ABC in January and purchase InsureTuition for $105. Tuition for Camp ABC is $3,000 and requires a $500 non-refundable deposit with enrollment. Camp ABC will refund you all of the tuition if you cancel before the first day of the camp session (minus your non-refundable deposit) but will not refund any part of tuition if your camper withdraws early from the camp session. If your camper wishes to cancel, due to a covered reason, anytime before the Camp Session begins, InsureTuition will refund you the $500 non-refundable fee. If your camper attends half of the camp session and wishes to withdraw due to a covered reason, InsureTuition will refund the unused portion of the pre-paid tuition, $1,500, but not the $500 non-refundable fee.

What are the Covered Reasons?

The following are considered covered reasons:
If camper is prevented from attending camp or must withdraw from the camp due to:
1. the Camper's Injury, Sickness, or death;
2. Injury, Sickness, or death of the Camper's Immediate Family Member; or
3. the relocation of the Camper's primary place of residence if

a) the relocation is due to a transfer required by the employer of the Camper's parent or guardian if the employer requiring the relocation is the same employer as on the effective date of the Camper's coverage;
b) the relocation is to an area more than 200 miles from the Camper's current place of primary residence; and provided the Camper does not receive notice of the relocation prior to the effective date of coverage.

Please review the Description of Coverage for further details.

Where can I obtain a copy of the Description of Coverage?

The Description of Coverage can be viewed on this website. Please click here to view the Description of Coverage.

When does coverage begin? When does coverage end?

The Camper's Camper Cancellation coverage begins on the later of the date of the Camper's enrollment in Camp and the receipt of an initial deposit by the Camp for the Camp Session. Camper Cancellation coverage ends on the first day of the Camp Session.

The Camper's Camper Interruption coverage begins on the first day of the Camp Session. Camper Interruption coverage terminates on the last day of the Camp Session.

The Camper's Accidental Death coverage begins on the first day of the Camp Session and is in force only while the Camper is participating in any regularly scheduled and supervised Camp activity. Coverage is not provided while traveling directly to or from Camp or on any personal deviations.

The coverage period is also subject to the Effective and Termination Date provisions. You can find this information in the Description of Coverage.

Are there any exclusions or limitations to the policy?

Yes. For a complete listing of exclusions and limitations, please refer to the Exclusions page on this site.

Can I cancel the Camp Session at any time for any reason and get all my money back?

No. You will only receive a reimbursement of any non-refundable tuition fees paid if you cancel for a covered reason as outlined in the Description of Coverage. Covered reasons include injury, sickness, or death of the camper or camper's immediate family member or relocation of the camper's primary residence if it is more than 200 miles from the Camper's current residence.

Can my Camper interrupt his or her Camp Session at any time for any reason and get all my money back?

No. You will receive a benefit that will be equal to the unused portion of the pre-paid tuition, that is not refundable by the Camp, if you interrupt for a covered reason as outlined in the Description of Coverage. Covered reasons include injury, sickness, or death of the camper or camper's immediate family member or relocation of the camper's primary residence if it is more than 200 miles from the camper's current residence.

What is meant by Pre-existing Condition?

The term "Pre-Existing Condition" refers to a sickness, disease, or other condition of the Camper or an Immediate Family Member of the Camper that, in the 90-day period before the Camper's tuition reimbursement insurance coverage began:

(a) first manifested itself, worsened, became acute or exhibited symptoms which would have caused an ordinarily prudent person to seek diagnosis, care or treatment;
(b) required taking prescribed drugs or medicine, unless the condition for which the prescribed drug or medicine is taken remains controlled without any change in the required prescription; or
(c) was treated by a Physician or treatment had been recommended by a Physician.

Do I have to purchase InsureTuition at any specific time?

Yes. You must purchase Insure Tuition during the 30-day period immediately following the date the initial deposit is paid for the Camp Session and prior to the first day of the Camp Session.

How do I purchase InsureTuition?

You can purchase InsureTuition by first reviewing the Description of Coverage. Then print out the enrollment form for each camper and for each Camp Session for which you wish to purchase Insure Tuition. Complete the enrollment form and mail with your check made payable to AIG Life to: American International Companies c/o AIG Life, P.O. Box 35507, Newark, NJ 07193-5507

How much does it cost?

Premiums are explained on the Rates page on this site.

Whom do I call with questions about InsureTuition?

If you have additional questions about this insurance plan, please call (866) 818-3116 to speak to a Customer Service representative or send an email to: InsureTuition@aig.com

Who is the Underwriting Company?

Coverage is underwritten by AIG Life Insurance Company (AIG Life), Wilmington, DE and National Union Fire Insurance Company of Pittsburgh, Pa, New York, NY. Both are members of American International Group, Inc. (AIG) AIG is the world's leading U.S.-based international insurance and financial services organization, the largest underwriter of commercial and industrial insurance in the United States and the second-largest U.S. life insurer. Its member companies write a wide range of general insurance and life insurance products for commercial, institutional and individual customers through a variety of distribution channels in approximately 130 countries and jurisdictions throughout the world. InsureTuition is one of the newest additions to the American International Companies® product portfolio. See enrollment form for a list of states where coverage is currently not available.

AIG Life does not solicit business in New York. AIG Life Insurance Company, a Delaware insurance company, has its principal place of business at 600 King Street, Wilmingtom, Delaware, 19809. It is currently authorized to transact business in all states (except New York), District of Columbia and Puerto Rico. NAIC No. 66842. National Union Fire Insurance Company of Pittsburgh, Pa., a Pennsylvania insurance company, has its principal place of business at 70 Pine Street, New York, New York 10270. It is currently authorized to do business in all states and the District of Columbia. NAIC No. 19445.

Who is NicheDirectories, LLC?

NicheDirectories, LLC is a full-service web presence provider and Internet marketing company that publishes a variety of family and lifestyle oriented web initiatives including KidsCamps.com®. KidsCamps.com® is the Internet's most comprehensive directory of camps and summer experiences with over 15,000 programs listed in its database. The site is considered by camp industry analysts to be the destination website within the industry and was designated Forbes Favorite Pick in the Best of the Web, Spring 2001. NicheDirectories.com also offers PayForCamp.com, CampJobs.com, VenueResource.com, VenueStaff.com, ScreenStaff.com, GrownUpCamps.com, CampersMall.com and CampDirectorsMall.com. NicheDirectories, LLC, online since 1995, has enjoyed healthy growth in their revenues and service offerings throughout its history.