The policy we have in our home country (oftentimes Canada) will work fine, there is no need for us to purchase additional coverage. Is that correct?

The majority, if not all, local health care providers are not willing to accept/bill a plan that does not have a United States-based address (for claims submission, questions, etc.). We have had some experience with insurance plans domiciled outside the U.S. and they have not proved sufficient.

We’ve already purchased a travel policy, we don’t need the student insurance plan. We would be duplicating our coverage and incurring more expense. Is that true?

Travel policies tend to perform best for short-term (2-4 weeks) trips. Often, these policies do not provide the needed benefits for someone residing in the United States for a period of 9 or 10 months. Some of the issues include relatively low maximum benefits ($25,000 - $30,000 per incident), exclusions on interscholastic sports, and limited or no prescription drug coverage.

Can we provide a credit card to pay for medical expenses/balances?

The majority of local health care providers are NOT willing to accept a credit card as the payment method to establish a relationship. The provider requires insurance for guaranteed payment and to ensure service pre-approval. Without it, the provider cannot ensure payment and the family might face difficulties.

We have an insurance plan that requires us to pay the medical expenses upfront and then reimburses us after the fact. Is that sufficient?

This puts your child at risk of not receiving immediate care. Local health care providers are typically unwilling to accept the statement that you will pay upfront and reimburse after the fact. They require insurance to guarantee payment for services.

What is the overall perspective on international student insurance?

A comprehensive plan ensures both access to care and that medical expenses are covered. Without adequate coverage, health care providers may refuse to treat students or delay treatment. Additionally, plans that don’t cover all expenses can result in unpaid balances that create a financial burden for the family. This is why most schools now require international students to purchase the student insurance plan.

Payment Options & Financial Forms

2026-27 Tuition and Fees

Tuition and Fees	Boarding Students	Day Students
Tuition	$79,350	$67,450
Technology Fee*	$850	$850
Health Center Fee**	$600	$400
Total	$80,800	$68,700

*Technology Fee: The Technology Fee helps to fund the resources and support for computing and networking functions, including laptops for all students.

**Health Center Fee: The Health Center Fee funds normal costs associated with the 24-hour service provided by the Wieler Health Center.

2026-27 Deposits Due Upon Enrollment

	New Students	Returning Students
Security Deposit*	$750	$0
Enrollment Deposit*	$15,000	$15,000

*Alternative deposits may be designated by the director of financial aid.

Payment Options

All tuition and related fee billing is processed through FACTS Tuition Management (FACTS). After completion of the Hotchkiss enrollment contract, families will receive an invitation from FACTS to register and select their payment plan for the year.

Once you have created your login credentials, you should use this link to access your account.

Payments from U.S. bank accounts can be made by check to FACTS Tuition Management or by electronic payment from your checking or savings account.

International payments must be made in U.S. dollars using the FACTS platform. The Hotchkiss School and FACTS have partnered with Flywire and Convera to streamline this process.

Late fees are assessed at 1.5% per month on past-due balances that are 30 days past the due date.

If you have questions regarding the outlined payment options, please contact student accounts at (860) 435-3165.

Tuition Refund Insurance

The Tuition Refund Insurance Plan is mandatory for all students unless payment is received for the full year’s tuition and fees by June 1. This plan insures a portion of the tuition in the event of certain absence or separation from the School according to the terms of the policy. You authorize the School to collect any claim payment to which the School is entitled under the plan and to credit your child’s account, paying any excess to the School. An absence or separation covered by the terms of this plan does not relieve you of your obligation to the School. You agree to pay the School the balance due, if any, after the application of all plan payments to your account, and we agree to refund the excess, if any, to you.

The cost of the plan is 1% of the net tuition. Your student will automatically be enrolled if you select either the 2-installment or 10-installment payment plan. If you select the pay in full option, you can elect coverage when you choose your payment plan.

Questions?

Student Injury and Sickness Insurance

The School requires every student to be covered by a comprehensive injury and sickness plan that meets the high cost of medical services and is accepted by local providers and practitioners.

All international students will be enrolled in a 12-month plan (Aug. 15, 2026-Aug. 14, 2027). The cost for this plan is $2,895.
Domestic students can be enrolled in:
- A 10-month plan (Aug. 15, 2026-June 14, 2027). The cost for this plan is $3,995.
- A 12-month plan (Aug.15, 2026-Aug. 14, 2027). The cost for this plan is $4,495.

Please review the plan details below for coverage information.

Domestic families: 2025-26 brochure; 2025-26 plan summary
International families: 2025-26 brochure; 2025-26 plan summary

If you have additional questions regarding either of the plans, Clifford Allen Associated, the plan administrator, can be reached at call toll-free at 1 (888) 342-2224.

Need a claim form? Click here to download.

Student Health Insurance: FAQs

Will insurance from outside the U.S. be accepted?

Local healthcare providers require insurance with a United States-based location for claims submission. If your enrollment contract was completed with an international address (outside of the 50 United States), your student was automatically enrolled in the International Injury and Sickness Insurance (ISI plan) made available through the School that meets this requirement and provides comprehensive coverage from a domestic insurer.

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Popular Pages

Payment Options & Financial Forms

2026-27 Tuition and Fees

Payment Options

Tuition Refund Insurance

Questions?

Student Injury and Sickness Insurance

Student Health Insurance: FAQs

Will insurance from outside the U.S. be accepted?

Will a travel insurance policy be accepted?

Can we provide a credit card to pay for medical expenses instead of insurance coverage?

If our insurance plan only covers emergency care in Connecticut, will that be sufficient?

Parents

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