There are two steps to the opt-out process:

1) Initiate your opt out online
To initiate your opt out, select 'Opt Out Now' from the menu to the left during the Change-of-Coverage Period. Follow the on-screen instructions for opting out. You'll need your student ID number and your date of birth. Opting out online ensures quick processing and allows you to receive an instant confirmation of your opt out.

Please note: The Opt Out Online section will only be active during the Change-of-Coverage Period, from Sept. 3 - 29, 2024 (for Fall Term students) and Jan. 6 - 31, 2025 (for new Winter Term students). 

2) Submit your proof of coverage
To complete your opt out (for the first time you opt out or if you didn't opt out last year), you’ll need to provide proof that you are covered by an equivalent extended health and/or dental plan.

If you have proof available in electronic format, you can upload it directly to your profile to expedite your opt-out process. If you don't have your proof of coverage on hand, you can return and upload your proof of coverage at a later time as long as you do so before the end of the Change-of-Coverage Period.

Your provincial health care doesn’t provide coverage equivalent to the AMS Health & Dental Plan. Students can’t opt out if they’re covered only by OHIP or equivalent primary health-care coverage.

Acceptable proof must consist of:

• A screenshot of a summary of benefits from an insurance company's website that clearly indicates you are covered for extended health and/or dental care, OR

• A copy of a certificate or card clearly indicating your coverage for extended health and/or dental care, the insurance company name and the policy number, OR

• A letter from the plan sponsor (often the employer) or the insurance company attesting that you’re covered for supplemental health and/or dental care.

• Indigenous (First Nations, Métis, Inuit) students who receive health and/or dental benefits from Health Canada may use their status card or band membership as proof of other coverage.

Uploading documentation:

• If your proof is from an insurance company's website, you can either:

    - press your Print Screen key to copy a screenshot of your summary of benefits, paste it into a word processing (e.g. Microsoft Word) or image editing program, save it as one of the supported file types (.pdf, .doc, .jpg, .png, .gif or .tiff), and upload it (for PC users only) OR

    - press your Command, Shift, and Number 3 keys at the same time to capture a screenshot of your summary of benefits, and upload the correct screenshot file that will automatically appear on your desktop (for Mac users only).

• You can also scan your document or take a picture of it with your Smartphone or digital camera.

• Accepted file formats: you can upload a PDF, a Word file (.doc), or an image (tiff, gif, jpg, png).

Please note: When taking a screenshot of your summary of benefits, make sure to hide or close all other browser windows and programs that may display personal information on your screen.

If these steps aren’t completed by Sep. 29, 2024 or Jan. 31, 2025 (for new students starting in January), your opt out won't be processed.

Studentcare cannot accept any opt-out requests by mail, email, fax, or telephone.

Students who opt out absolve the AMS, the insurance company(s), Queen’s University, Studentcare, and any other involved party of all liability whatsoever for any loss suffered by the student. Students (or their parents in the case of minors) are responsible for familiarizing themselves with the contents of this website before they opt out.