All students attending Middlebury College are required to have health insurance. If you do not have insurance, you will need to purchase it from a reliable company.

Middlebury has arranged with Gallagher Student Health and Special Risk to provide access to health insurance.

Students studying at a Middlebury School Abroad are automatically enrolled in a study abroad health insurance plan for the duration of the program and should see their School Abroad details for more information. 

Middlebury does not take a commission or any other form of payment from Gallagher Student Health and Special Risk or the carriers.

For questions relating to enrollment, benefits, making payment, and how the plan works, please contact:

Gallagher Student Health and Special Risk

500 Victory Road

Quincy, MA 02171


Policy # 474961

To file a claim please contact:

Commercial Travelers

70 Genesee Street

Utica, NY 13502

Phone: 1-800-756-3702

Please note: To waive or enroll, please

J-Term and Other Short-Term Coverage

Month-to-month insurance may be purchased to fill a gap between study abroad and the next semester and to fill a gap in the summer months.  This coverage is only available for J-Term and the summer months. When contacting Gallagher Student Health and Special Risk about this coverage, be sure to tell them you are a Middlebury student.

Student Accident Policies

Middlebury provides, as a part of the comprehensive fee, three insurance coverages for students:

  • All full-time students during the academic year have a $5,000 accident policy.
  • Participants in club sports have an additional layer of coverage.
  • Participants in varsity sports have a second layer provided by the College and a third layer provided by the NCAA.

Student Personal Property Insurance

Gallagher Student Health and Special Risk offers a line of personal property insurance for items not commonly covered by homeowners/renters insurance such as your computers, MP3 players, books, and cell phones. 

Enterprise Risk Management
Old Chapel
Middlebury, VT 05753