Pace University Health Insurance Waiver Guide (2025–2026)
August 21, 2025
Pragya Sharma
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Introduction
Health insurance is an essential requirement for all students at Pace University. To make sure that every student has access to proper healthcare during their studies, the university automatically enrolls students in the university’s insurance plan each academic year. However, if students already have comparable health coverage that meets the requirements of the university’s insurance plan, then in this case, they might be eligible to waive the university insurance by submitting a waiver request before the specified deadline.
What is a Health Insurance Waiver?
A health insurance waiver refers to a formal request made by a student to opt out of the administratively sponsored student health insurance scheme. Students who are seeking approval should bring documents to prove having similar insurance coverage matching the policy of Pace University.
In case of its passage, the university will even delete the health insurance fee from the tuition bill of the student. In case the waiver is not granted or submitted at the right time, then the student is made to remain in the university plan, and he is then required to pay the full premium during the period.
Still Wondering If You Qualify for a Waiver?
You may qualify for a waiver if and only if your current insurance plan:
- policy must cover medical expenses incurred for both accidents and sicknesses at a minimum of $250,000
- policy must also cover Repatriation and Medical Evacuations at a minimum of $50,000 each
- A policy cannot have any pre-existing exclusion clauses
- policy must also be effective for the time that you enter Pace University until you exit
If your existing plan does not meet these standards, your waiver might be denied.
Why Are Alternative Health Insurance Plans More Affordable?
University-sponsored plans like the one provided by Pace often come with a high premium because they include extensive coverage, administrative overhead, and built-in campus services. However, private insurance providers such as Student Cover offer student-specific plans designed to:
- Provide necessary ACA-equivalent coverage
- Exclude unnecessary benefits to reduce cost.
- Partner with large PPO networks like UnitedHealthCare or Multiplan
- Offer digital services like telehealth and emergency assistance.
These features allow students to save over $2,000 annually while still meeting waiver standards.
Comparative Cost Analysis
| Plan Type | Insurance Cost | Deductible | Coinsurance | Out-of-Pocket Max |
|---|---|---|---|---|
| University Insurance | $2,189/- (annually*) | $70* copay | 85%:15% | $6,350/- |
| SC Prima 300 | ₹33,126(annually*) | $100* per injury/sickness | 100% | $100* per injury/sickness |
| SC Prima 500 | ₹38,645(annually*) | $100* per injury/sickness | 100% | $100* per injury/sickness |
| SC Prima 750 | ₹45,429(annually*) | $100* per injury/sickness | 100% | $100* per injury/sickness |
| Royal | $967(annually*) | $500* | 80%:20% | $8000* |
Note: It is best to check the policy wording or the plan brochures for all the above figures, as they may change according to the student’s age, semester, and the plans offered.
For more accurate information, visit the university website mentioned below in the FAQs.
How to Apply for the Pace University Health Insurance Waiver
Step-by-Step Waiver Process
1. Access Your Student Portal
Visit Pace’s website to access the Pace portal. Navigate to the “Students” tab. Click on “Health Insurance Waiver”
2. Complete the online waiver form
Once on the online waiver portal, fill out the required questions which will include your health insurance provider, policy number, and coverage dates.
3. Upload valid proof of insurance
Acceptable documents include your insurance card, certificate of coverage, or a letter from your insurer confirming benefits and active dates.
4. Submit your waiver request
Waivers submitted after 9/19/2025 will not be accepted. You must resubmit your waiver every academic year.
What Happens After Waiver Submission?
- If approved, the health insurance fee will be removed from your Pace University tuition bill.
- If denied: You will be enrolled in the university plan and must pay the full premium.
- You will be notified via email of the decision.
- If the waiver was submitted in error, you can reapply before the deadline.
Pace University Waiver Deadlines
Fall 2025: September 19, 2025
Spring 2026: February 13, 2026
Summer I 2026: June 7, 2026
Summer II 2026: July 31, 2026
For more accurate information, visit the university website mentioned below in the FAQs.
How Do Pace Students Stay Covered with Student Cover?
Student Cover health insurance plans are for students who are enrolled in a university’s study abroad programs.
- Complete waiver-compliant insurance
- 24/7 emergency support in the US
- Access to thousands of hospitals and clinics
- 100% refund if the waiver is rejected
- Dedicated support for claim processing and assistance
How to Purchase Student Cover Health Insurance
- Visit: www.studentcover.in
- Under the insurance tab, click on student health insurance
- Enter your university
- Start the enrollment process
- Create your account using your WhatsApp number to receive the OTP
- Fill in the required information
- Upload your documents
- Submit and wait for the payment link
- Make a payment, and a policy will be provided to your email
Contact Student Cover
Email- info@studentcover.in
FAQs
1. Is the Pace University insurance plan mandatory?
Yes, unless you are approved for a waiver with comparable alternative coverage.
2. What if my waiver request is denied?
You’ll be enrolled in the university plan and charged the full premium. However, providers like Student Cover offer a full refund if your waiver is denied.
3. Is the Student Cover plan accepted in NYC hospitals?
Yes, their PPO network includes most hospitals and urgent care centers in the NYC area.
4. Does Student Cover include mental health coverage?
Yes, it is covered in royal plans.
5. Can I cancel the plan if my waiver is denied?
Yes, Student Cover offers a 100% cancellation refund if the waiver fails.
7. Do I pay the university insurance fee before the waiver is approved?
No, once your waiver is approved, the insurance charge is removed from your account.
8. Can I get help submitting the waiver?
Yes, Student Cover provides end-to-end support for filling out and submitting waiver forms.
9. Where can I find the official Pace University health insurance waiver information online?
The most accurate and up-to-date waiver requirements, deadlines, and instructions are available on the official Pace University Student Health Services website. Students should always verify details there before applying.
Disclaimer: We are not comparing or recommending one insurance plan over another. We are merely providing informational options so you can make an informed decision. Plan costs, coverage, and eligibility rules vary by student age, semester, provider, and plan year. To ensure accuracy, always verify the latest information via the official Pace Student Health Services website and your insurance provider’s policy materials before making any decisions.
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