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Understanding my coverage

The current policy year is from Sept. 1, 2024 – Aug. 31, 2025, or Jan. 1 – Aug. 31, 2025 for new January students.

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

Health
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/Master's in Social Work/Social Worker/Counsellor/Psychotherapist

80% per visit

Annual maximum $1,500

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.

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.

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

$3,000 per trip

Trip Interruption

$7,500 per trip

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

Available to full-time and part-time undergraduate students at the University of Ottawa. Note that Saint Paul University students aren't eligible. 

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

Learn more - Virtual Health Care
Mental Health & Wellness
Empower me - Powered by Dialogue

Included in the Health Plan

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

Learn more - Mental Health & Wellness