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 |
| 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
|
| Eyeglasses & Contact Lenses |
$75 every 12 months |
| Eye Exam |
$30 per policy year |
| Laser Eye Surgery |
$150 per policy year |
|
Learn More
|
| Annual Maximum |
$750 per policy year |
| Basic Services (oral surgery, fillings, endodontics, periodontics) |
60% |
| And More |
Fluoride treatments, x-rays, scaling, oral hygiene instruction, etc. |
|
Learn More
|
| 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
|
| 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
|
| 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
|
| 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 - 2SLGBTQIA+ Support
|
Find more details about the Plan here:
