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Understanding my coverage

The current policy year is from Sept. 1, 2023 – Aug. 31, 2024, or from Jan. 1 – Aug. 31, 2024 (for new January students).

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

Prescription Drugs and Vaccinations at DrugSmart Pharmacy

100% (generic)

80% (brand-name)

Annual Maximum $5,000

Prescription Drugs and Vaccinations at all other pharmacies

80% (generic or brand-name)

Annual Maximum $5,000

Chiropractors / Osteopaths / Naturopaths / Acupuncturists / Registered Dietitians / Podiatrists/Chiropodists / Occupational Therapists / Physiotherapists / Athletic Therapists / Massage Therapists*

100% per visit

up to $40 per visit 

Combined Annual Maximum $600

*Please note that you need a referral from a medical doctor to be covered for visits to a massage therapist.

Psychologists / Psychotherapists / Social Workers / Speech Therapists

80% per visit

Combined Annual Maximum $750

And More

Medical equipment, dental accident services, ambulance transportation, accidental death and dismemberment, etc.

Learn More
Eyeglasses & Contact Lenses

$150 per 24 months

Eye Exam

$70 per 24 months

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Annual Maximum

$800 per policy year

Preventive Services (checkups, polishing, x-rays)


Basic Services (fillings, oral surgery)


Wisdom Teeth Extractions


Basic and Major Restorative Services (endodontics, periodontics, removable denture adjustments, crowns, bridges, and posts)


And More

Fluoride treatments, x-rays, scaling, oral hygiene instruction, etc.

Learn More
Travel Health Coverage

120 days per trip

Medical Incident

$5,000,000 per lifetime

Trip Cancellation

$3,000 per trip

Trip Interruption

$7,500 per trip

Learn More
Mental Health & Wellness
Empower Me - Powered by Dialogue

Available to eligible graduate and professional students at Queen's University

A student assistance program providing mental health and wellness services 24/7

Learn more - Mental Health & Wellness