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Home › About › Departments and Offices › Student Services › Waiving Out of SHIP

Waiving Out of SHIP

If you have other coverage that meets the waiver criteria, you may decide to waive your enrollment in SHIP. You can submit a waiver by visiting the Relation Insurance Portal and scrolling down to the “Waive SHIP” option. You’ll need your PAU student ID (you can find that in your PAU portal) in order to log in to the Relation Waiver Portal. Keep in mind that if you have other coverage (e.g. Medi-Cal) and do not waive SHIP, maintaining coverage through PAU's health plan may impact your eligibility for and enrollment status in your existing health plan.

Waiver FAQ


Some Highlights From the Waiver FAQ

  • If you waive out of SHIP in the fall by the October 15 deadline and your waiver is approved, your waiver will be in effect for the entirety of the academic year and no further action is necessary during the current academic year. Incoming students in Winter, Spring, and Summer will be asked to adhere to the waiver deadlines below as applicable to their first quarter at PAU.
  • Waiver Application Deadlines
  • Annual 2018-19 & Fall: 10/15/2018
  • Winter: 1/15/2019
  • Spring/Summer: 4/15/2019
  • Students who do not submit a waiver application by the deadline date stated above will be automatically enrolled in and charged for SHIP.  Waivers cannot be submitted or considered after the established deadlines.
Waiver Criteria
If you wish to waive SHIP because you have other insurance, benefits under that plan must include all of the following: 
• Coverage must be continuous (no break or termination) for the entire policy year; 
• Maximum benefit must be unlimited; 
• Deductible must be $2,500 or less per policy year; 
• Coinsurance levels must be 80% coverage in-network and 60% coverage out-of-network; 
• Medical Evacuation benefit must be a minimum of $50,000 per policy year (international students only); 
• Repatriation benefit must be a minimum of $50,000 per policy year (international students only); 
• Claims must be paid by a U.S.-based company, and underwriting company must be owned, operated, and headquartered in the U.S. and must be in full compliance with all applicable federal laws.
All waivers are carefully considered, and the insurance inforamtion you submit for waiver consideration will be verified by Relation.

Waiver Denial-Appeals

If you submit a waiver to Relation and receive notice that it has been denied, and you believe it has been denied in error, please complete a Waiver Appeal Request Form. Completed forms should be submitted, along with proof of insurance and why you think you meet the waiver criteria, to Thom Shepard, Director of Student Services, at tshepard@paloaltou.eduWaiver Appeal Request Forms should only be completed if you have submitted a waiver request to Relation and it has been denied.


1791 Arastradero Road
Palo Alto, CA 94304

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





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