Insurance Considerations relevant to Off-Campus Activities
Examples of various types of insurance that should be considered for off-campus research and study:
General Liability Insurance
Accident / Health / Travel Insurance
Students and other non-employees are not similarly covered and appropriate insurance must be arranged independently. Participants in off-campus activities should evaluate the required level of insurance needed to cover potential medical emergencies.
In the event of a medical/health problem, the University of Alberta accepts no responsibility for any costs associated with a medical/health problem not covered by personal plans nor will it pay for any medical/health expenses that may be incurred.
Travel accident and health insurance outside Canada, trip cancellation and other specialized policies are available from various sources. Any travel insurance obtained should provide coverage against theft, personal accident, personal liability, repatriation (whether medical, political or in the event of death) and cancellation of tickets.
The University of Alberta accepts no responsibility for any costs associated with these types of problems nor will it pay for any expenses that may be incurred relating to these areas.
Workers Compensation Coverage
University employees are covered under WCB for any injuries sustained during activities directly related to their employment responsibilities.
Students while participating in their core academic programs are covered by WCB through Alberta Learning.
WCB covered individuals who are working outside of Alberta (especially out of country) should provide the UAlberta Human Resource Services WCB Administrator
If researchers have questions about WCB coverage on employment-related activities please feel free to visit UAlberta Human Resource Services WCB Reporting site.
Out of Country Health Insurance Coverage
Supplemental Health Insurance which covers international travel is necessary for all persons participating in international activities to protect them from significant financial problems while abroad and to guarantee optimal emergency health care. It is the responsibility of the participants to ensure that they are covered by a basic health insurance plan and have adequate supplementary health insurance that covers international travel. Before you go, make sure you are aware of U of A Travel benefits that are available to Support Staff or Academic Staff .
Automobile and Non-Owned Automobile Insurance
Please see RMS Insurance & Risk Assessment Office webpage on automobile and non-owned automobile insurance. There are certain limitations on the University’s insurance coverage for U of A vehicles or vehicles rented for U of A business, depending whether you are travelling within Canada, the U.S. or foreign. All driver requirements must be met for the insurance to be effective. Also check the University’s U-Drive's insurance page for more information.
Rental Vehicle Insurance
Please look to Insurance & Risk Assessment Office webpage on Rental Vehicle Insurance.
Special Insurance Issues
Certain off-campus situations require special insurance arrangements and the following are some examples:
Use of Aircraft – non-commercial aircraft and helicopters
When renting aircraft on University business ensure that the company you are renting from carries adequate insurance coverage and coverage extends to include passengers and any cargo.
All pilots flying have a valid pilot’s license
No University employees, staff, student or volunteer are allowed to pilot an aircraft / helicopter on behalf of the University. THERE IS NO INSURANCE COVERAGE provided by the University in the event of a loss as this is an exclusion from the University’s insurance policies.
World "Hot Zones" – In some areas of the world insurance coverage may be denied by insurance carriers regardless of whether you purchased coverage. When attending countries that have conflict, hostilities, fighting, or health alerts, verify that your insurance and/or travel coverage will still apply when you are in those locations.
No insurance coverage for watercraft over forty feet in length or ownership, maintenance, use, operation, loading or unloading by or on behalf of the University of any watercraft over 1000 tons.
Some Marine Research facilities require that the University carries insurance coverage in order to participate in research on those sites. If such requests are made, you need to contact the Office of Insurance and Risk Assessment for assistance in determining coverage needs and if the University has the appropriate insurance in place or must look at purchasing coverage for your activities.
Search and Rescue/Med-Evac
In certain circumstances, the cost of Search and Rescue or Med-Evac operations may be charged back to the victim or organizers of an activity. The potential need of such services should be evaluated and the purchase of insurance should be considered in advance of the activity (check with the Office of Insurance and Risk Assessment first to see if there is coverage). Sufficient lead time to review insurance needs and to place insurance coverage (if possible) will be needed to deal with all aspects of this type of coverage.
Other Insurance Coverages
The University carries a total of 21 insurance policies and self-insures three programs and all the University’s insurance deductibles for each of those policies. See Office of Insurance and Risk Assessment's website for a summary of the main coverages. If you have any questions or need additional information, please contact the Office of Insurance and Risk Assessment.
Certification of Insurance
If you require proof of insurance for any University sanctioned activities, please see Office of Insurance and Risk Assessment's page as you can request this online.