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  • Am I required to have health insurance?

    • All full-time PAU students enrolled in residential and hybrid programs (including those programs that only require a one-week residency) are required to have health insurance and will automatically be enrolled in the student health insurance plan (SHIP) after the waiver period unless a waiver application is submitted and approved by the established deadline dates. The only exception to this eligibility requirement is for PAU students who reside outside of the U.S. while they are taking classes. Students living outside of the U.S. are not eligible for SHIP coverage and are not automatically enrolled.  Students living outside of the U.S. are not required to submit a waiver.

    • If you would like to enroll in SHIP before the waiver deadline, go to Relation Insurance Portal and click on the Waive SHIP icon in the QUICK LINKS section for detailed instructions on self-enrolling.  To be clear though, any student who meets the elgibility criteria above will automatically be enrolled in SHIP if they do not self-enroll.

  • What is an opt-out plan?

    • Our plan is set up as an opt-out plan. This is standard in the student health insurance industry.  This means that all registered students who meet the requirements above are automatically enrolled in SHIP at the time of registration. In order to decline coverage through PAU’s plan, an approved waiver must be on file with our insurance broker, Relation Insurance Services.  For more information, please see “Waiving Out of SHIP”. 

  • Where do I get my insurance cards?

    • To access your insurance cards, please go to the Relation Insurance Portal.  There, you can access and print your insurance cards.  This is the only way to access your insurance cards, and you will need them when you attrend your medical appointments.  Insurance cards are not mailed to students.

  • How long after registering do I need to wait if I want to submit a waiver application?

    • In order for your information to register in the Relation Insurance Portal, Relation needs to be know that you are a student.  PAU send a report to them of registered students on a weekly basis. It generally takes 5-7 business days for your information to be sent to Relation and processed in their system. At that time, you can access the Relation Insurance Portal and submit a waiver application.

  • How often do I have to submit a waiver application?

    • Students who choose to waive SHIP coverage only need to waive once per acadmic year by the set deadlines; waivers will be in effect for the remainder of the academic year.  Waiver deadlines are as follows:

      • Annual 2018-19 & Fall: October 15, 2018
        Winter: January 15, 2018
        Spring/Summer: April 15, 2018
  • How do I pay for SHIP coverage?
    • SHIP charges will be added to your student account on a quarterly basis during Fall, Winter, and Spring (the Spring payment will cover Summer coverage as well) with your normal tuition/fees billing. Students are able to use financial aid funds to pay for the cost of SHIP.

  • How much does it cost?

    For 2018-2019, SHIP fees are a total of $1,974 for the academic year. This is a slight reduction from the 17-18 academic year (previously $2,004)  Payment of SHIP is broken down and billed to your student account according to the following schedule:

    • Fall: $658.00
    • Winter: $493.50
    • Spring/Summer: $822.5
  • Is there dental/vision coverage?

    • Unfortunately, our current SHIP plan does not provide dental or vision coverage.

  • What are the effective dates of SHIP coverage?

    • For graduate students,SHIP is in effect from 9/1-8/31 each year.
    • For undergraduate students, the effective dates are 9/15-9/14 each year.
  • Are international students eligible for the plan?

    • International students who are registered for and attending classes in the United States are eligible for and automatically enrolled in the plan. International students residing in countries outside of the United States are not eligible for the plan and will not be enrolled in coverage.  If you are an international student who is registered and attending classes in the US, please be sure your US address has been updated with PAU's Registrar's Office.

  • My provider can’t find me or my plan in their system. Why?

    • It's important that providers look at the ID card to be sure they are searching in the correct system for your insurance coverage. If you are still have any trouble with this, please contact Relation Customer Service at

  • During summer, are students who are not enrolled in classes but are enrolled in SHIP still eligible for coverage?

    • Yes. If you were enrolled in and paid for coverage during Spring, you will remain enrolled throughout Summer quarter.

  • Why does my provider see that the plan is ending at the end of each quarter?

    • The provider will see a future lapse in coverage (at the end of each quarter) because we have to send the new file based on who is enrolled each quarter. There isn't actually a lapse in coverage, it just looks as if it has an end date because coverage is renewed. Students are enrolled very quickly at the start of each quarter so there will never be an actual lapse in coverage. If for some reason a claim is processed and it is denied, ask your provider to resubmit the claim a few days later as coverage will always be backdated. You should never have to pay out of pocket at the time of service (aside from patient responsibilities like co-pays).

  • If I have other coverage and waive SHIP at the beginning of the academic year, but then lose that coverage at some point, am I able to enroll in the SHIP plan at PAU?

    • Yes. That is called a qualifying event and provided the loss of coverage is through no fault of your own (i.e. you didn’t decline or cancel coverage), you are eligible to enroll in the plan. Please email within 30 days of your loss of coverage to be added to the SHIP. Premium costs will be prorated based on the number of full months remaining in the term.

  • What are the deductible and the out-of-pocket maximums for this plan?

    • The out of pocket maximum is $6,850, but the deductible is only $250 (both of these are for in-network coverage). 

  • Why can't I log in to the Relation Waiver Portal?

    • Only active PAU students are eligible for SHIP coverage. If you have not registered for classes yet, Relation does not yet know that you are officially a student. Once you register it generally takes 5-7 business days for Relation to receive the updated list of students from PAU and process that information. If you are registered and still having trouble accessing the Relation Insurance Portal, please email Relation's Customer Service Team at



1791 Arastradero Road
Palo Alto, CA 94304

Phone: (800) 818-6136 Fax: (650) 433-3888





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