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This website is being updated for the 2024-2025 policy year. For information on the previous policy year, see the Insurance Brochure or "Your Plan at a Glance" page, in the Download Centre in the right-hand menu.

            
   

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.

Health
Prescription Drugs - Quebec resident

Remaining amount after RAMQ

Prescription Drugs - Non-Quebec resident

Up to 80%

Vaccinations

Up to 100%

Annual maximum $300

Psychologists/Registered Clinical Counsellors/Psychotherapists/Social Workers

80%

Annual maximum $1,000

Chiropractors

$20 per visit

Annual maximum $400

Physiotherapists

$20 per visit

Annual maximum $400

Massage Therapists

$20 per visit

Annual maximum $400

*Please note that you need a medical referral to be covered for visits to massage therapists and registered dietitians.


Podiatrists/Chiropodists

$20 per visit

Annual maximum $400

Osteopaths

$20 per visit

Annual maximum $400

Speech Therapists

$20 per visit

Annual maximum $400

Athletic Therapists

$20 per visit

Annual maximum $400

Registered Dietitians

$20 per visit

Annual maximum $400

*Please note that you need a medical referral to be covered for visits to massage therapists and registered dietitians.


Audiologists

$20 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

$75 every 12 months

Eye Exam

$30 per policy year 

Laser Eye Surgery

$150 per policy year

Learn More
Dental
Annual Maximum

$750 per policy year

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

70%

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

60%

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

$3,000 per trip

Trip Interruption

$7,500 per trip

Learn More
Virtual Health Care
HI (Health Interactive) - Powered by Dialogue

Available to SSMU members

Virtual health care that connects you with nurses and physicians from anywhere in Canada

Learn more - Virtual Health Care
Legal Care Program
The Essentials

Available to SSMU 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
2SLGBTQIA+ Support
Gender Affirmation Care

Included in the Dental Plan

Coverage for gender-affirming medical care and legal assistance for students on their gender affirmation journeys

Learn more - LGBTQIA2S+ Support