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Standard Health Plan Accident Benefits for All Plans Travel for All Plans Student Wellness Programs for All Plans N/A |
Enhanced Drug/Vision Plan Prescription Drug Accident Benefits for All Plans Travel for All Plans Student Wellness Programs for All Plans 100% of all eligible vision care claims are covered
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Enhanced Dental/Vision Plan Accident Benefits for All Plans Travel for All Plans Student Wellness Programs for All Plans 100% of all eligible vision care claims are covered
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Part Time Opt In
Student Opt-In
Part Time/Graduate Student Opt-In
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70% co-insurance
Maximum: $3,000
Vaccine coverage to a maximum of $400
Basic and Preventative: 80%
Minor Restorative: 80%
Extractions (limit 2 wisdom teeth): 50%
Major Restorative: 10%
Maximum: $700
Paramedical Practitioners: $40 per visit ($400 maximum)
85% co-insurance
Maximum: $1,500
No vaccine coverage
Basic and Preventative: 60%
Minor Restorative: 50%
Extractions (limit 2 wisdom teeth): 25%
Maximum: $350
Paramedical Practitioners: $20/$50 per visit
($200/$400 maximum) depending on the type of practitioner.
$50 maximum for eye exam, $50 for prescribed lenses and frames or contact lenses every 24 consecutive months.
Effective September 1, 2021: $85 maximum for eye exam, $175 for prescribed lenses and frames or contact lenses every 24 consecutive months.
65% co-insurance
Maximum: $500
No vaccine converage
Basic and Preventative: 100%
Minor Restorative: 85%
Extractions (limit 2 wisdom teeth): 60%
Major Restorative: 10%
Maximum: $850
Paramedical Practitioners: $20 per visit ($200 maximum)
Vision: $65 maximum for eye exam, $120 for prescribed lenses and frames or contact lenses every 24 consecutive months.
Effective September 1, 2021: $85 maximum for eye exam, $175 for prescribed lenses and frames or contact lenses every 24 consecutive months.
- $3,000 maximum
- Coverage Details:
- 70% coverage
- $10.50 dispensing fee cap
- Drugs Covered:
- Most prescription drugs or medicines
- Insulin injectibles
- Insulin supplies under pseudo din #910333 ($200 maximum)
- Allergy serums
- Contraceptive patch and oral contraceptives
- Nuva Ring, to a maximum of $178.00 per policy year
- Acne medications (including Accutane)
- Preventative vaccines to a maximum of $400.00 per Insured, per policy year
- $1,500 maximum
- Coverage Details:
- 85% coverage
- $10.50 dispensing fee cap
- Drugs Covered:
- Most prescription drugs or medicines
- Insulin injectibles
- Insulin supplies under pseudo din #910333 ($200 maximum)
- Allergy serums
- Contraceptive patch and oral contraceptives
- Nuva Ring, to a maximum of $178.00 per policy year
- Acne medications (including Accutane)
- $500 maximum
- Coverage Details:
- 65% coverage
- $10.50 dispensing fee cap
- Drugs Covered:
- Most prescription drugs or medicines
- Insulin injectibles
- Insulin supplies under pseudo din #910333 ($200 maximum)
- Allergy serums
- Contraceptive patch and oral contraceptives
- Nuva Ring, to a maximum of $178.00 per policy year
- Acne medications (including Accutane)
- $700 Maximum
- Basic & Preventative Services
- 80% of one examination and consultation, including any necessary x-rays and diagnostic services at time of exam, during each policy year.
- 80% of one cleaning and one unit of polishing.
- Fluoride treatments will be limited to one per policy year (Only children 16 or younger are covered for this treatment).
- Fillings
- 80% silver and white when 12 months have passed since the last restoration to the same tooth. Retentive pins, sedative filling, stainless steel, plastic and polycarbonate caps are also covered.
- Denture Maintenance
- 80% for denture adjustments, repairs, rebasing and relining as well as tissue conditioning
- Minor Oral Surgery
- 80% extractions removing a non-impacted tooth, residual root removal when a tooth is extracted.
- Anaesthesia
- 80% for general anaesthesia, deep sedation, intravenous sedation and inhalation technique.
- Impacted Wisdom Teeth
- 50% coverage of extractions and residual root removal, limited to two wisdom teeth in any policy year, other oral surgery is covered at 10% as noted below.
- Other
- Endodontics, Periodontics, and Major Oral Surgery are covered at 10%.
- $350 Maximum
- Basic & Preventative Services
- 60% of one examination and consultation, including any necessary x-rays and diagnostic services at time of exam, during each policy year.
- 60% of one cleaning and one unit of polishing.
- Fluoride treatments will be limited to one per policy year (Only children 16 or younger are covered for this treatment).
- Fillings
- 50% silver and white when 12 months have passed since the last restoration to the same tooth. Retentive pins, sedative filling, stainless steel, plastic and polycarbonate caps are also covered.
- Denture Maintenance
- 50% for denture adjustments, repairs, rebasing and relining as well as tissue conditioning
- Minor Oral Surgery
- 50% extractions removing a non-impacted tooth, residual root removal when a tooth is extracted.
- Anaesthesia
- 50% for general anaesthesia, deep sedation, intravenous sedation and inhalation technique.
- Impacted Wisdom Teeth
- 25% coverage of extractions and residual root removal, limited to two wisdom teeth in any policy year, other oral surgery is covered at 10% as noted below.
- Other
- Endodontics, Periodontics, and Major Oral Surgery are covered at 10%.
- $850 Maximum
- Basic & Preventative Services
- 100% of one examination and consultation, including any necessary x-rays and diagnostic services at time of exam, during each policy year.
- 100% of one cleaning and one unit of polishing.
- Fluoride treatments will be limited to one per policy year (Only children 16 or younger are covered for this treatment).
- Fillings
- 85% silver and white when 12 months have passed since the last restoration to the same tooth. Retentive pins, sedative filling, stainless steel, plastic and polycarbonate caps are also covered.
- Denture Maintenance
- 85% for denture adjustments, repairs, rebasing and relining as well as tissue conditioning
- Minor Oral Surgery
- 85% extractions removing a non-impacted tooth, residual root removal when a tooth is extracted.
- Anaesthesia
- 85% for general anaesthesia, deep sedation, intravenous sedation and inhalation technique.
- Impacted Wisdom Teeth
- 60% coverage of extractions and residual root removal, limited to two wisdom teeth in any policy year, other oral surgery is covered at 10% as noted below.
- Other
- Endodontics, Periodontics, and Major Oral Surgery are covered at 10%.
- All benefits are covered at 100% except where stated
- Paramedical Practitioners
- $40.00 per treatment up to a combined maximum of $400.00 each policy year for all the practitioners listed below:
- Services of a naturopath or a chiropractor; x-ray allowance of $25.00 every 24 months
- Services of a registered massage therapist if prescribed by a physician
- Services of a physiotherapist, if prescribed by a physician
- Orthopedic Supplies
- Charges for molded arch supports, orthopedic supplies and custom made orthopedic shoes are covered at 50% to a maximum of $250.00, if recommended by a physician, podiatrist or chiropodist.
- Orthopedic supplies as noted above must be dispensed by one of the following providers: Orthotist, Pedorthist, Podiatrist or Chiropodist.
- Orthopedic supplies must be dispensed by a different provider than the prescriber.
- Orthopedic supplies prescribed or dispensed by a chiropractor are not eligible.
- *When submitting your claim, be sure to include the following: your Major Medical Expense Claim form, referral pre-dating treatment, original paid-in-full invoice, gait analysis or bio-mechanical exam, and a description of the raw materials used in the construction of the orthotic.
- Ambulance
- Coverage of $100.00 per trip for the following: air or land ambulance service to the nearest hospital when an emergency requires immediate attention.
- Equipment Rental
- Charges for wheelchairs, walkers, hospital beds, traction kits which are rented for temporary therapeutic use. Repair to a wheelchair will be included up to a lifetime maximum of $250.00
- Medical Supplies
- Charges for compound serums, colostomy supplies, injectable drugs and varicose vein injections, if medically necessary.
- Prosthetic Appliances
- Artificial limbs - lost, repair & replacement
- Artificial eyes - one polishing or one re-making each year
- Casts, splints, trusses, braces or crutches, including replacements when medically necessary
- External breast prosthesis to a maximum of $200
- Charges for contact lenses or glasses following cataract surgery (limited to one pair per lifetime)
- Other
- Oxygen, blood or blood products and the equipment required for its administration
- treatment of a sickness by the use of radiotherapy or coagulotherapy
- laboratory tests done in a commercial laboratory for diagnosis of a sickness but excluding any tests performed in a physician's office or a pharmacy
- insulin pump to a maximum of $500.00 per policy year
- catheters and hypodermic needles
- All benefits are covered at 100% except where stated
- Paramedical Practitioners
- $20.00 per treatment up to a combined maximum of $200.00 each policy year for all the practitioners listed below:
- Services of a naturopath or a chiropractor; x-ray allowance of $25.00 every 24 months
- Services of a registered massage therapist if prescribed by a physician
- Services of a physiotherapist, if prescribed by a physician
- Effective September 1, 2021
- $50.00 per treatment up to a combined maximum of $400.00 each policy year for:
- Combined services of a clinical psychologist, psycholtherapist or speech therapist, if recommended by a physician (including RSW and MSW social workers).
- Orthopedic Supplies
- Charges for molded arch supports, orthopedic supplies and custom made orthopedic shoes are covered at 50% to a maximum of $250.00, if recommended by a physician, podiatrist or chiropodist.
- Orthopedic supplies as noted above must be dispensed by one of the following providers: Orthotist, Pedorthist, Podiatrist or Chiropodist.
- Orthopedic supplies must be dispensed by a different provider than the prescriber.
- Orthopedic supplies prescribed or dispensed by a chiropractor are not eligible.
- *When submitting your claim, be sure to include the following: your Major Medical Expense Claim form, referral pre-dating treatment, original paid-in-full invoice, gait analysis or bio-mechanical exam, and a description of the raw materials used in the construction of the orthotic.
- Ambulance
- Coverage of $100.00 per trip for the following: air or land ambulance service to the nearest hospital when an emergency requires immediate attention.
- Equipment Rental
- Charges for wheelchairs, walkers, hospital beds, traction kits which are rented for temporary therapeutic use. Repair to a wheelchair will be included up to a lifetime maximum of $250.00
- Medical Supplies
- Charges for compound serums, colostomy supplies, injectable drugs and varicose vein injections, if medically necessary.
- Prosthetic Appliances
- Artificial limbs - lost, repair & replacement
- Artificial eyes - one polishing or one re-making each year
- Casts, splints, trusses, braces or crutches, including replacements when medically necessary
- External breast prosthesis to a maximum of $200
- Charges for contact lenses or glasses following cataract surgery (limited to one pair per lifetime)
- Other
- Oxygen, blood or blood products and the equipment required for its administration
- treatment of a sickness by the use of radiotherapy or coagulotherapy
- laboratory tests done in a commercial laboratory for diagnosis of a sickness but excluding any tests performed in a physician's office or a pharmacy
- insulin pump to a maximum of $500.00 per policy year
- catheters and hypodermic needles
- All benefits are covered at 100% except where stated
- Paramedical Practitioners
- $20.00 per treatment up to a combined maximum of $200.00 each policy year for all the practitioners listed below:
- Services of a naturopath or a chiropractor; x-ray allowance of $25.00 every 24 months
- Services of a registered massage therapist if prescribed by a physician
- Services of a physiotherapist, if prescribed by a physician
- Orthopedic Supplies
- Charges for molded arch supports, orthopedic supplies and custom made orthopedic shoes are covered at 50% to a maximum of $250.00, if recommended by a physician, podiatrist or chiropodist.
- Orthopedic supplies as noted above must be dispensed by one of the following providers: Orthotist, Pedorthist, Podiatrist or Chiropodist.
- Orthopedic supplies must be dispensed by a different provider than the prescriber.
- Orthopedic supplies prescribed or dispensed by a chiropractor are not eligible.
- *When submitting your claim, be sure to include the following: your Major Medical Expense Claim form, referral pre-dating treatment, original paid-in-full invoice, gait analysis or bio-mechanical exam, and a description of the raw materials used in the construction of the orthotic.
- Ambulance
- Coverage of $100.00 per trip for the following: air or land ambulance service to the nearest hospital when an emergency requires immediate attention.
- Equipment Rental
- Charges for wheelchairs, walkers, hospital beds, traction kits which are rented for temporary therapeutic use. Repair to a wheelchair will be included up to a lifetime maximum of $250.00
- Medical Supplies
- Charges for compound serums, colostomy supplies, injectable drugs and varicose vein injections, if medically necessary.
- Prosthetic Appliances
- Artificial limbs - lost, repair & replacement
- Artificial eyes - one polishing or one re-making each year
- Casts, splints, trusses, braces or crutches, including replacements when medically necessary
- External breast prosthesis to a maximum of $200
- Charges for contact lenses or glasses following cataract surgery (limited to one pair per lifetime)
- Other
- Oxygen, blood or blood products and the equipment required for its administration
- treatment of a sickness by the use of radiotherapy or coagulotherapy
- laboratory tests done in a commercial laboratory for diagnosis of a sickness but excluding any tests performed in a physician's office or a pharmacy
- insulin pump to a maximum of $500.00 per policy year
- catheters and hypodermic needles
- 100% of all eligible vision care claims are covered
- One eye exam every 24 consecutive months to a maximum of $50.00
- $50 maximum towards prescribed lenses and frames OR contact lenses every 24 consecutive months.
- Effective September 1, 2021: $85 maximum for eye exam, $175 for prescribed lenses and frames or contact lenses every 24 consecutive months.
- $200.00 should you be prescribed contact lenses for severe corneal astigmatism, severe corneal scarring, Keratoconus (Conical Cornea) or Aphakia. Please refer to your Student Health Plan booklet for further details.
- There is no provision for worldwide coverage for the Vision benefit as this plan only allows Canadian vision care providers
- 100% of all eligible vision care claims are covered
- One eye exam every 24 consecutive months to a maximum of $65.00
- $120.00 maximum towards prescribed lenses and frames OR contact lenses every 24 consecutive months
- Effective September 1, 2021: $85 maximum for eye exam, $175 for prescribed lenses and frames or contact lenses every 24 consecutive months.
- $200.00 should you be prescribed contact lenses for severe corneal astigmatism, severe corneal scarring, Keratoconus (Conical Cornea) or Aphakia. Please refer to your Student Health Plan booklet for further details.
- There is no provision for worldwide coverage for the Vision benefit as this plan only allows Canadian vision care providers
- Life Insurance
- A death occurring as a result of an accident will pay $7500.
- Accidental Medical Expense
- Hospital charges
- Services of a nurse
- Services of a physiotherapist or chiropractor when recommended by a physician
- Services of a chiropodist, podiatrist, osteopath or speech therapist
- Transportation by an ambulance up to $1,000
- Medical equipment
- X-rays
- Accidental Dental Expense
- Injury coverage to a maximum of $2,000.
- Emergency Taxi
- Licensed taxi covered to a maximum of $50.
- Rehabilitation
- Training for special occupation covered to a maximum of $5000.
- Repatriation
- Transportation of the body of the deceased to the city of residence, covered to a maximum of $2,000.
- Tutorial
- Tutorial services at $20/hour up to $2,000.
- Eyeglasses & Contact Lenses
- Eyeglasses and contact lenses repair, replacement and purchase to a maximum of $100.
- Home Modification & Vehicle Modification
- Alterations and modifications to your home and vehicle are covered to a maximum of $10,000.
- Hearing Aids
- Covered to a maximum of $3000.
- Family Benefits
- All students may obtain coverage for their spouse and dependant children. You may enroll your family using your Visa online or by certified cheque or money order through the mail.
- Students must have received treatment from a qualified physician/dentist within 30 days from the date of an accident.
- Completed claim form must be filed directly to Industrial Alliance Insurance and Financial Services Inc. within 90 days from the date of the accident, and no later than 1 year.
- Accident Coverage Outside of Canada
- When travelling outside of Canada you have Accident coverage limited to $10,000.00 as the result of any one accident:
- services and supplies rendered by a hospital while the Insured is confirmed as a resident in-patient in standard ward or semi-private accommodation
- services of a physician or anaesthetist
- services of a nurse
- diagnostic x-ray examination by a physician
- transportation by a licensed ambulance: rental of crutches, splints, trusses or braces (excluding the expense of brace or similar device used for non-therapeutic purposes or used solely for the purpose of participating in sports or other leisure activities).
- Reimbursement under this provision shall not duplicate payment provided by any other part of the policy. Insurance commences on the date of departure of an Insured from the province of residence and terminates upon the date of return to the province of residence.
- Coverage for Emergency Injury or Sickness
- Lifetime Maximum: $5,000,000
- Trip Duration
- 120 Days maximum
- 180 Days maximum (eff. Sept 1/22)
- Emergency Out of Province Coverage and Assistance is provided by AIG Travel Insurance.
- Global Excel
- For emergency assistance call 1-877-207-5018
- Outside North America, call collect: +819-566-3940
- Medical Assistance
- YOU MUST contact Global Excel prior to receiving any medical treatment. If you do not, you may receive inappropriate or unnecessary medical treatment, which may not be included in your coverage.
- STUDENT ASSISTANCE PROGRAM (SAP)
- The importance of self-care and a healthy balance in mental and physical well-being for students is extremely important today, especially for those arriving to join a new community, experience different environments and meet new peers. It often means facing challenges and dealing with new pressures. With this program, you are not alone. There are resources to find clinical support and assistance on your campus and in your community as well as coaching, tips, and tools available.
- Starting September 01 2024, the WeConnect Student Assistance Program (SAP) provides mental health and wellness services to students through our virtual platform (powered by Dialogue), available via the web or a mobile application.
- How do I access?
- Follow this link: https://app.dialogue.co/ or download the Dialogue application from the app store.
- Call 1-855-853-0565
- Services include:
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- Access is available 24/7 by phone or virtual resources, worldwide.
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- Care is immediate by connecting with the intake team and payment for counselling is not required
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- Time management and organization
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- Career development
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- Student-life balance
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- Personal growth and development
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- Dependent Care
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- Legal and Financial Support
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- Daily Living / Life Coaching
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- Mindfulness / Wellness Coaching