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This website has been updated for the 2020-2021 policy year (Sept. 1, 2020 – Aug. 31, 2021). For information on the 2019-2020 policy year, click here .

Click here for an FAQ on Plan coverage related to COVID-19 that will be continually updated as we monitor the situation.
         
   

Understanding my coverage

The current policy year is from Sept. 1, 2020 – Aug. 31, 2021, or from Jan. 1 – Aug. 31, 2021 (for new January students).

To obtain all of the details of your coverage, including maximums, follow the links below.

Health and More
Prescription Drugs & Vaccinations

Up to 80%

Annual maximum $1,000

*Note that the dispensing fee is limited to $5 per prescription or refill. Eligible contraceptives are covered up to a combined maximum of $300.


Psychologists/Masters of Social Work/Social Workers/Counsellors/Psychotherapists

80% per visit

Annual maximum $1,750 

Chiropractors

Up to $40 per visit

Annual maximum $500 (combined maximum) 

*Visits to these practitioners are covered at 100% up to $40 per visit per category of practitioner, to a combined maximum of $500 per policy year for all practitioners. Please note that a referral from an MD is required for visits to a massage therapist, and a referral from an MD or nurse practitioner every 12 months is required for visits to a physiotherapist.


Physiotherapists

Up to $40 per visit

Annual maximum $500 (combined maximum) 

*Visits to these practitioners are covered at 100% up to $40 per visit per category of practitioner, to a combined maximum of $500 per policy year for all practitioners. Please note that a referral from an MD is required for visits to a massage therapist, and a referral from an MD or nurse practitioner every 12 months is required for visits to a physiotherapist.

Occupational Therapists

Up to $40 per visit

Annual maximum $500 (combined maximum) 

*Visits to these practitioners are covered at 100% up to $40 per visit per category of practitioner, to a combined maximum of $500 per policy year for all practitioners. Please note that a referral from an MD is required for visits to a massage therapist, and a referral from an MD or nurse practitioner every 12 months is required for visits to a physiotherapist.

Homeopaths

Up to $40 per visit

Annual maximum $500 (combined maximum) 

*Visits to these practitioners are covered at 100% up to $40 per visit per category of practitioner, to a combined maximum of $500 per policy year for all practitioners. Please note that a referral from an MD is required for visits to a massage therapist, and a referral from an MD or nurse practitioner every 12 months is required for visits to a physiotherapist.

Podiatrists

Up to $40 per visit

Annual maximum $500 (combined maximum) 

*Visits to these practitioners are covered at 100% up to $40 per visit per category of practitioner, to a combined maximum of $500 per policy year for all practitioners. Please note that a referral from an MD is required for visits to a massage therapist, and a referral from an MD or nurse practitioner every 12 months is required for visits to a physiotherapist.

Osteopaths

Up to $40 per visit

Annual maximum $500 (combined maximum) 

*Visits to these practitioners are covered at 100% up to $40 per visit per category of practitioner, to a combined maximum of $500 per policy year for all practitioners. Please note that a referral from an MD is required for visits to a massage therapist, and a referral from an MD or nurse practitioner every 12 months is required for visits to a physiotherapist.

Speech Therapists

Up to $40 per visit

Annual maximum $500 (combined maximum) 

*Visits to these practitioners are covered at 100% up to $40 per visit per category of practitioner, to a combined maximum of $500 per policy year for all practitioners. Please note that a referral from an MD is required for visits to a massage therapist, and a referral from an MD or nurse practitioner every 12 months is required for visits to a physiotherapist.

Naturopaths

Up to $40 per visit

Annual maximum $500 (combined maximum) 

*Visits to these practitioners are covered at 100% up to $40 per visit per category of practitioner, to a combined maximum of $500 per policy year for all practitioners. Please note that a referral from an MD is required for visits to a massage therapist, and a referral from an MD or nurse practitioner every 12 months is required for visits to a physiotherapist.

Registered Massage Therapists

Up to $40 per visit

Annual maximum $500 (combined maximum) 

*Visits to these practitioners are covered at 100% up to $40 per visit per category of practitioner, to a combined maximum of $500 per policy year for all practitioners. Please note that a referral from an MD is required for visits to a massage therapist, and a referral from an MD or nurse practitioner every 12 months is required for visits to a physiotherapist.

Dietitians

Up to $40 per visit

Annual maximum $500 (combined maximum) 

*Visits to these practitioners are covered at 100% up to $40 per visit per category of practitioner, to a combined maximum of $500 per policy year for all practitioners. Please note that a referral from an MD is required for visits to a massage therapist, and a referral from an MD or nurse practitioner every 12 months is required for visits to a physiotherapist.

Acupuncturists

Up to $40 per visit

Annual maximum $500 (combined maximum) 

*Visits to these practitioners are covered at 100% up to $40 per visit per category of practitioner, to a combined maximum of $500 per policy year for all practitioners. Please note that a referral from an MD is required for visits to a massage therapist, and a referral from an MD or nurse practitioner every 12 months is required for visits to a physiotherapist.

And More

Medical equipment, ambulance transportation, etc.

Well-Being Resources: Empower Me

• Confidential support service available 24/7

• Toll-free helpline 1-833-628-5589

Virtual Health Care: Dialogue

Connect with nurses and physicians via a mobile or web app from anywhere in Canada

Learn More
Vision
Eye exams, eyeglasses, contact lenses, and laser eye surgery OR Medically necessary contact lenses

$150 every 24 months

OR

$200 every 24 months

Learn More
Dental
Annual Maximum

Up to $750 per policy year

Basic Services (recall exams, cleanings)

70%

Basic Services (fillings, basic oral surgery)

75%

Comprehensive Basic Services (root canals, gum treatments excluding root planing, standard denture services)

75%

Basic Services (extractions)

50%

Comprehensive Oral Surgery and Root Planing

50%

And More

X-rays, scaling, denture cleaning

Learn More
Travel
Travel Health Coverage

120 days per trip

Medical Incident

$5,000,000 per lifetime

Trip Cancellation

$1,500 per trip

Trip Interruption

$5,000 per trip

Learn More