Additional Travel Insurance Coverage

All employees traveling on official University business and students traveling off campus for activities that are sponsored and supervised by the University are covered 24 hours a day under an expanded travel accident insurance policy. In addition to typical coverage for accidental death and dismemberment, the improved policy includes coverage for emergency medical evacuation, out-of-country medical expenses, loss of personal effects, security extraction and repatriation of remains. See Related Information for details.

For insurance coverage purposes, an official University business trip begins when the traveler leaves his or her residence or headquarters, whichever occurs last, and ends when the traveler returns to his or her residence or headquarters, whichever occurs first.

Additional Insurance Coverage

The U.S. Bank Travel and Entertainment Charge Card (T&E Card) offers the following additional insurance coverage to cardholders:

Travel Accident Insurance: Travelers are automatically covered for $500,000 of common carrier accidental death and dismemberment insurance while traveling by airplane, taxi, bus, or boat, when the fare has been charged to the T&E Card. This is primary coverage, protecting against losses caused by either a common carrier accident or an accident incurred on the way to or from the terminal of a common carrier (i.e., taxi, bus or airport limousine). This coverage also applies to airline tickets charged to UCLA’s direct bill account. Death benefits under this plan will be paid to the first surviving beneficiary of the cardholder (spouse, children, parents, or siblings or to the estate of the insured cardholder).

Lost Luggage Insurance: You can receive loss/damage assistance if the common carrier ticket was charged to your U.S. Bank T&E Card. The reimbursement includes the cost of the replacement luggage and its contents up to the lesser of:

a)  the amount paid to the traveler by the common carrier, or

b) $1,250 provided the luggage was checked with the carrier and lost due to theft or misdirection by the carrier.

Car Rental Insurance: Rental insurance coverage provides you with primary collision damage and loss damage insurance when you rent a car for 31 days or fewer.

Car Insurance

When private cars are used for University business, the employee must certify that the car has the minimum liability coverage prescribed by California law:

  • $50,000 for personal injury to or death of one person.
  • $100,000 for injury to or death of two or more persons in one accident.
  • $50,000 for property damage.

When renting a vehicle for University business, travelers are expected to use rental agencies with which the University has systemwide contracts that include fair insurance coverage within the daily rate. See "Car Rental Contract Rates" for more information. Note the following reimbursement provisions:

For rental vehicles used within the continental United States (CONUS), charges for additional insurance are not allowable and will not be reimbursed. 

The cost of full collision coverage for rental cars used in Alaska, Hawaii, U.S. possessions (OCONUS) and foreign countries is allowable.

For information about filing auto insurance claims for accidents occurring during business travel, please contact the UCLA Insurance and Risk Management Office.