Because BYU-Idaho is not responsible for any illness, injury, loss, theft, or damage that may occur on the tour, participants must have their own insurance. Participants and/or their parents should carefully consider the following:

1. Medical Insurance. Students enrolled in BYU-Idaho courses already have medical insurance, * VIA EITHER THE BYU-IDAHO STUDENT HEALTH INSURANCE PLAN OR ANOTHER PRIVATE INSURANCE plan. For an $18 premium, students may extend the BYU-Idaho Student Health Insurance Plan through the first summer term. In this case, Peggy Gibson (208-496-1039), who handles student insurance arrangements at BYU-Idaho, changes students' insurance program status from on-campus to off-campus. Students are then covered under the BYU-Idaho Student Health Insurance Plan while on the tour. Non-student participants and students not enrolled in the BYU-Idaho Student Health Insurance Plan may, of course, continue coverage under their existing policies.

2. Flight Insurance (if applicable). Participants enrolled as students have coverage under the University's blanket travel insurance policy. Additionally, tour participants automatically receive air travel insurance from the travel agency--free of charge. In any case, participants may purchase flight insurance directly from the airline company. Tour directors will purchase airline tickets in January or February. They will then notify participants as soon as airline tickets have been secured, after which participants (and/or their parents) may contact the airline company or a travel agent about purchasing additional insurance. Insurance may also be purchased at the airport at the time of departure. Costs vary, but flight insurance may be purchased for about $12 for approximately $200,000 of coverage.

3. Travel Insurance. Travel insurance can protect travelers from such risks as trip delay, cancellation, and/or interruption; baggage delay, loss, damage, and/or theft; emergency medical and dental treatment; etc. Students may, for example, check with their parents to see what options are available from their insurance companies. Participants may also purchase additional travel insurance from a private insurance company. Information concerning travel insurance plans may be obtained from the directors of the individual tours.