Understanding my coverage
The current policy year is from Sept. 1, 2024 – Aug. 31, 2025 , or from Jan. 1 – Aug. 31, 2025 (for new January students).
To obtain all of the details of your coverage, including maximums, follow the links below.
Prescription Drugs
80%
Dispensing fee cap $10
70%
Dispensing fee cap $5
Prescription Vaccinations
80%
Annual maximum ∞
70%
Annual maximum $150
Clinical Psychologists / Masters of Social Work / Counsellor / Psychotherapist
100% per visit
Annual maximum $1,250
100% per visit
Annual maximum $1,250
Massage Therapists
$50 per visit
Annual maximum $300
$30 per visit
Annual maximum $200
Chiropractors
$50 per visit
Annual maximum $500
$30 per visit
Annual maximum $200
Physiotherapists & Athletic Therapists
$45 per visit
Annual maximum $500
$45 per visit
Annual maximum $500
Naturopaths
$50 per visit
Annual maximum $300
$30 per visit
Annual maximum $200
Speech-Language Pathologists
$50 per visit
Annual maximum $300
$30 per visit
Annual maximum $200
Acupuncturists
$50 per visit
Annual maximum $300
$30 per visit
Annual maximum $200 .
Orthotics
50% per visit
$300 per 2 policy years
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And More
Tutorial benefit, ambulance, dental accident, travel accident, specified medical equipment, and accidental death and dismemberment
Learn More
Eyeglasses & Contact Lenses
$200 every 24 months
$100 every 24 months
Eye Exam
$90 per 2 policy years
$60 per 2 policy years
Learn More
Annual Maximum
$750 per policy year
$500 per policy year
Basic Services (recall exams, polishing)
80%
70%
Restorative Services (fillings, extractions, oral surgery, periodontics, bridge repairs, re-centering of bridges and crowns, scaling)
80%
50%
Endodontics (root canal)
50%
50%
Learn More
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
The Essentials
Available to eligible UMSU 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
Empower Me - Powered by Dialogue
Included in both the Enhanced Care Health Plan and the Basic Care Health Plan
A student assistance program providing mental health and wellness services 24/7
Learn more - Mental Health & Wellness
Find more details about the Plan here:
