Understanding my coverage
The current policy year is from Sept. 1 – Aug. 31 or from Jan. 1 – Aug. 31 (for new January students).
*Please refer to the Insurance brochure for all applicable definitions, conditions, restrictions, and exclusions. In case of any discrepancy between this website and the insurance brochure, the information in the insurance brochure will prevail.
To obtain all of the details of your coverage, including maximums, follow the links below.
| Prescription Drugs - Quebec resident |
Remaining amount after RAMQ |
Remaining amount after RAMQ |
| Prescription Drugs - Non-Quebec resident |
Up to 90% (after a $35 deductible) |
Up to 90% (after a $35 deductible)
|
| Vaccinations |
Up to 100%
Annual maximum $300 |
Up to 100%
Annual maximum $300
|
| Licensed Psychologist |
Up to 50%
Annual maximum $1,000
|
Up to 50%
Annual maximum $500
|
| Chiropractors |
$30 per visit
Annual maximum $300 |
$20 per visit
Annual maximum $300
|
| Physiotherapists |
$40 per visit
Annual maximum $400
|
$30 per visit
Annual maximum $400
|
| Podiatrists/Chiropodists |
$30 per visit
Annual maximum $300
|
$20 per visit
Annual maximum $300
|
| Massage Therapists |
$30 per visit
annual maximum $300
|
$20 per visit
annual maximum $300
|
| Speech Therapists |
$30 per visit
Annual maximum $300 |
$20 per visit
Annual maximum $300
|
| Osteopaths |
$30 per visit
Annual maximum $300
|
$20 per visit
Annual maximum $300
|
| Athletic Therapists |
$30 per visit
Annual maximum $300
|
$20 per visit
Annual maximum $300
|
| Dietitians |
$30 per visit
Annual maximum $300
|
$20 per visit
Annual maximum $300
|
| And More |
Medical equipment, commercial laboratory tests, dental accident services, ambulance transportation, accidental death and dismemberment, etc. |
Learn More
|
| Annual Maximum |
$800 per policy year |
$500 per policy year
|
| Basic Services (oral surgery, fillings, endodontics, periodontics) |
50% |
50%
|
| Major Restorative (crowns, bridges, posts) |
50% |
50%
|
| And More |
Fluoride treatments, x-rays, scaling, oral hygiene instruction, etc. |
|
Learn More
|
| Eyeglasses & Contact Lenses |
$100 every 24 months |
- |
| Eye Exam |
$30 per policy year |
- |
| Laser Eye Surgery |
$150 per policy year |
- |
|
Learn More
|
| The Essentials |
Available to PGSS members
A consultation service for all your legal questions, and legal representation for disputes related to housing, employment, academic rights, and more |
|
Learn more - Legal Care Program
|
| Travel Health Coverage |
120 days per trip |
120 days per trip |
| Medical Incident |
$5,000,000 per lifetime |
$5,000,000 per lifetime |
| Trip Cancellation |
$3,000 per trip |
$3,000 per trip |
| Trip Interruption |
$7,500 per trip |
$7,500 per trip |
|
Learn More
|
| HI (Health Interactive) - Powered by Dialogue |
Available to PGSS members. Note that dependants aren't eligible.
Virtual health care that connects you with nurses and physicians from anywhere in Canada |
|
Learn more - Virtual Health Care
|
| Gender Affirmation Care |
Included in the Enhanced Care and Basic Care Dental Plan
Coverage for gender-affirming medical care and legal assistance for students on their gender affirmation journeys |
|
Learn more - LGBTQIA2S+ Support
|
Find more details about the Plan here:
