UBC accidental death, dismemberment and permanent total disability insurance is available to provide ’excess insurance’ protection above other primary policies that is for the benefit of and reserved for current UBC students, faculty, staff and volunteers under the auspices of UBC (students must be registered at UBC), while participating in sanctioned and approved UBC work-related activities. This insurance is not for injury which occurs in your personal time, extracurricular activities, or for participants (volunteers or otherwise) in research studies.
An excess accident insurance policy only responds after all other insurance policies have been exhausted including provincial health insurance programs. Like all insurance policies, there are limitations and exclusions included in the policy wordings.
You must register in advance of when this coverage is required and before a claim occurs to avoid denial of coverage. Please review coverage requirements and submit the application at least 2 weeks prior to when coverage is required.
To qualify for this coverage, you or your department must:
1. Review the restricted country list
Ensure you are not traveling to a country (outside of Canada) which requires pre-approval prior to travel as it is specifically restricted by the Accident Insurance insurer. If your work involves travel to a country that is restricted, you must complete the High-Risk Accident Insurance Request Form and email it to insurance.ubc@ubc.ca at least 14 business days prior to departure. The completion of this form does not guarantee that the insurer will extend accident insurance for this travel.
Review restricted country list
High-Risk Accident Insurance Request Form
Any additional premium is the responsibility of the associated department. Charge back codes must be provided to secure accident coverage.
2. Review the highlighted limitations & exclusions
All policies of insurance are subject to the terms, conditions, limitations and exclusions of the insurance contract. Review these highlighted exceptions:
- Age limitation to qualify for coverage is 90. No coverage over 90
- Coverage for Class (6) athletes or similar is limited to while participating in a practice or competition which is organized under the supervision and direction of the governing body/sports association and/or while being transported with other members as a group of 3 or more from the place of such practice or competition
- Mentally and physically capable of performing regular duties – no intentional harm
- Must be considered ‘accidental’ – no suicide or attempted suicide or intentional self-injury
- War, invasion, acts of terrorism, civil commotion or riot exclusion
- Drug and alcohol exclusions
- Other limitations, exclusions as outlined in each category booklet listed below
3. Review the categories of persons for Accident Insurance
The registration categories are listed below and include links to the coverage booklets and applicable coverage/limits for your review. The most appropriate category must be selected.
- Class (1) – registered UBC students and post-doctoral fellows (who are continuing their studies beyond the PHD level)
- Class (2) – registered UBC students who are participating in a sanctioned approved UBC academic program including but not limited to a co-op, practicum, internship and exchange program
- Class (3) – volunteers doing approved work on behalf of UBC
- Class (4) – members of the UBC Board of Governors
- Class (5) – employees of UBC
- Class (6) – athletes, coaches, managers, referees, trainers and other persons who are engaged with a UBC program, including contractors and volunteers as approved by UBC
4. Review the claims reporting requirements
This coverage is intended to be ‘excess’ and above other underlying policy forms including provincial health plans, WorkSafe BC, employer benefits, and other travel/medical insurance plans. You may be required to file a claim under multiple providers who will each adjudicate your claim independently. As a ‘work’ related accident, you must follow the UBC accident/incident reporting process located here. Information must be filed through CAIRS as well as completing any process for the accident insurer.
It is important that you immediately report a potential claim to all potential providers.
Review the steps on how to report a claim:
- Submit a New Claim on the Sutton App 24/7
- Written notice of claim, death or injury must be given to the insurer within 31 days after injury occurs
- Provide accurate and complete information to the best of your knowledge
- Fully cooperate with the insurer and their authorized representative (adjuster)
- Questions on an existing claim? Email claims@suttonspecialrisk.com or call 416-366-4608 or 1-800-461-3292 or 1-416-366-2223 (Monday to Friday 8:30 am–5:00 pm)
- Contact UBC Insurance & Loss Prevention at insurance.ubc@ubc.ca
If you are not contacted by the Insurer within 24 hours of reporting, please email insurance.ubc@ubc.ca.
5. Register for Accident Insurance
To register for Accident Insurance Coverage, please fill out the registration form below. Please review qualifications and eligibility before submitting a registration form. This form should be submitted at least 2 weeks prior to when you will require coverage. Once complete, please email the form to Insurance & Loss Prevention at insurance.ubc@ubc.ca. With the exception of travel to high risk countries, once this information is received, accident insurance coverage is automatic. You must submit the high risk accident insurance form 14 business days in advance of departure.
View Accident Insurance Coverage Registration Form
6. Certificates of Insurance / Specific Requests for Confirmation of Accident Insurance
A certificate of insurance may be required for individual students as part of a practicum placement. Please email your request to insurance.ubc@ubc.ca and include the following information:
- Copy of the document including request from the party requesting the certificate of insurance.
- Name of the third-party organization (this will be the certificate holder):
- Full address of the organization:
- First and last name of the contact person at the organization:
- Email of the contact person:
Please allow for 14 business days to complete this request.
For additional information:
For questions, please contact insurance.ubc@ubc.ca.