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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:
Fall students: Sept. 1, 2024 – Aug. 31, 2025
New winter students: Jan. 1 – Aug. 31, 2025
New spring students: May 1 – Aug. 31, 2025

For all your coverage details, including maximums, see the links below.

Health
Prescription Drugs

Up to 80% until you reach $2,500 in paid claims per policy year. After you reach $2,500, you'll be covered at 100% up to $3,000 per policy year.  

Prescription Vaccinations

100% up to $3,000 per policy year (included in the prescription drug maximum) 

Psychologist, Social Worker/Counsellor, or Master of Social Work / MindBeacon Therapist Guided Program

100% per visit

Annual maximum $800

Registered Massage Therapists

100% per visit

Annual maximum $300

Chiropractors

100% per visit

Annual maximum $300

Physiotherapists

100% per visit

Annual maximum $300

Naturopaths

100% per visit

Annual maximum $300

Speech Therapists

100% per visit

Annual maximum $300

Acupuncturists

100% per visit

Annual maximum $300

Podiatrists

100% per visit 

Annual maximum $300

Athletic therapists

100% per visit 

Annual maximum $300

Homeopaths

100% per visit 

Annual maximum $300

And More

Tutorial benefit, ambulance, dental accident, medical equipment, and hospitalization

Learn More
Vision
Eyeglasses & Contact Lenses

70% up to $200 every 24 consecutive months

Eye Exam

70% once every 2 years 

Learn more
Dental
Annual Maximum

$500 per policy year 

Basic Services (recall exams, cleanings, fillings, extractions)

70%

Comprehensive Basic Services (standard denture services, comprehensive oral surgery, endodontics, periodontics)

70%

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
Mental Health & Wellness
Empower Me - Powered by Dialogue

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

Learn more - Mental Health & Wellness
Virtual Health Care
HI (Health Interactive) - Powered by Dialogue

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

Learn more - Virtual Health Care