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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
Prescription Drugs and Vaccinations

80%

 $12,500 per policy year 

*Dispensing fees for prescriptions or refills are covered up to $8. There is a deductible for each prescription, refill, or vaccination of 20% or $15, whichever is less.



Licensed Psychologists/Clinical Counsellors/Psychoterapist/Masters of Social Work

80% per visit

Annual Maximum $800

Chiropractors

80% per visit

Annual Maximum $400

Physiotherapists

80% per visit

Annual Maximum $400

Podiatrists/Chiropodist

80% per visit

Annual Maximum $400

Osteopaths

80% per visit

Annual Maximum $400

Speech Therapists

80% per visit

Annual Maximum $400

Naturopathic Doctors

80% per visit

Annual Maximum $400

Massage Therapists

80% per visit

Annual Maximum $400

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


Registered Dietitians

80% per visit

Annual Maximum $400

Athletic Therapists

80% per visit

Annual Maximum $400

And More

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



Learn More
Vision
Eyeglasses & Contact Lenses

$125 every 24 months

Eye Exam

$100 per 2 policy years

Laser Eye Surgery

$150 per policy year

Learn More
Dental
Annual Maximum

$750 per policy year

Preventive Services (recall exams, cleanings, root planing, extraction of impacted teeth)

70%

Basic Services (fillings, oral surgery, endodontics, periodontics)

70%

And More

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

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
Other
Well-Being Resources: Empower Me (for undergraduate and graduate students at Waterloo)

• Confidential support service available 24/7

• Toll-free helpline 1-833-628-5589

Legal Protection

Legal Representation*

• Fees of lawyers or experts**

• Disbursements

*A lawyer will take charge of proceedings related to the following areas of law: housing, employment, academic, and human rights, civil mediation between individuals, and small claims support.

**Legal representation includes experts’ fees up to a maximum of $1,000.


Legal Information

Free legal helpline: 1-833-202-4571 (toll-free)