Health Insurance
Health Insurance Requirements
All students enrolled at Xavier University School of Veterinary Medicine (XUSOVM) and studying in Aruba are required to maintain health insurance coverage throughout their enrollment.
Students must complete the residence and registration procedures required by Aruba and apply to Algemene Ziektekosten Verzekering (AZV), Aruba’s general health insurance scheme for coverage where eligible. A residence permit alone does not establish that coverage is active; students must obtain confirmation from AZV.
In addition, all students studying in Aruba are required to participate in the University's designated student health insurance plan, currently the International Medical Group (IMG) Student Health Advantage Plan or its successor plan as determined by the University.
The cost of the University-designated health insurance plan is based on the student's age and will be billed directly to the student's account as part of the semester charges.
Participation in the University-designated health insurance plan is mandatory. Students may not waive, opt out of, or substitute alternative insurance coverage, regardless of any other insurance policies they may possess.
The University-designated plan is intended to serve as secondary coverage to AZV and any other personal insurance coverage maintained by the student. Students are strongly encouraged to maintain health insurance coverage from their home country and to keep all insurance policy documents and identification cards readily available at all times.
Students are responsible for reviewing their insurance policy documents and understanding the benefits, limitations, exclusions, deductibles, co-payments, and claims procedures associated with their coverage.
Limitation of University Liability
Xavier University School of Veterinary Medicine and Xavier Admissions LLC are not insurance providers and do not underwrite, administer, adjudicate, or guarantee insurance benefits.
Accordingly, neither XUSOVM nor Xavier Admissions LLC shall be responsible or liable for:
- Denial of any insurance claim;
- Partial payment of any insurance claim;
- Coverage exclusions or limitations;
- Deductibles, co-payments, or uncovered medical expenses;
- Delays in claim processing;
- Decisions made by insurance carriers or third-party administrators; or
- Any act, omission, error, or negligence of an insurance provider.
Enrollment in the University-designated insurance plan does not create any obligation or liability on the part of XUSOVM or Xavier Admissions LLC for medical expenses, insurance determinations, or healthcare services.
Automatic Enrollment and Termination of Coverage
Eligible students will be enrolled in the required University-designated health insurance plan after applicable enrollment and payment requirements have been met. Students must confirm their coverage dates with Student Finance and the insurer.
Coverage during active enrollment is subject to the insurance contract and eligibility requirements. Enrollment normally concludes after:
- The student has successfully completed all required academic and clinical rotation requirements;
- The University has officially verified completion of all graduation requirements; and
- The student's enrollment status has been formally concluded.
Leave of absence, withdrawal, delayed rotations, and other interruptions may affect coverage. Students must obtain written confirmation of their insurance status and coverage dates before an interruption and arrange any necessary alternative coverage. An interruption does not automatically entitle a student to a refund of insurance fees.
Pricing and Coverage Changes
Insurance premiums, coverage limits, administrative fees, service charges, and related costs are subject to change without prior guarantee and may be adjusted periodically by the University and/or the insurance provider.
The University will make reasonable efforts to notify students of significant changes to insurance-related fees or coverage requirements.
Continued enrollment at XUSOVM constitutes acceptance of any approved changes to insurance coverage requirements and associated fees.
Institutional Authority
The University reserves the right to:
- Change insurance providers;
- Modify required insurance coverage levels;
- Adjust premiums, administrative fees, and service charges;
- Establish additional insurance requirements;
- Revise enrollment and eligibility requirements; and
- Amend this policy as necessary to comply with accreditation standards, clinical affiliation requirements, governmental regulations, risk management obligations, or institutional needs.
All determinations regarding insurance compliance, enrollment, billing, coverage requirements, exemptions, and policy enforcement shall be made at the sole discretion of the University.
Policy Contact
Student Finance Office
Email: studentfinance@xusom.com
Office of Student Affairs
Xavier University School of Veterinary Medicine, Aruba