School classrooms are beginning to open for students, including institutions for higher learning. But as colleges and universities re-open, the University of North Carolina closed down after over a hundred campus students became infected with coronavirus. While other schools, such s Michigan State and Notre Dame move all classes online, there is still the risk your student may become infected with COVID-19 and has to withdraw from school. That leaves students (and parents) wanting a partial refund of tuition. The problem is there are no uniformed college tuition refund policies. Some colleges may have a strict no refund policy, some offer partial refunds or future tuition vouchers and others offer a sliding scale refund. This semester, it may be a wise move to purchase tuition insurance. Like travel insurance, a policy will reimburse you tuition, books, fees, deposits and even room and board if your student has to withdraw due to illness, mental health issue or other situation covered under a specific plan. While most policies only cover pre-existing medical conditions, many are covering a COVID-19 diagnosis from a doctor. Policies are based on semester and must be purchased before the start of the semester and generally run $100-$200 for every $10,000 worth of coverage. Some colleges and universities offer insurance policies as well. But as with all policies, it is important to really review each policy. Some pay only cover part of the tuition, some only cover specific medical conditions and most require documentation from a physician that it was necessary for the student to withdraw.