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Balanced 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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Enhanced Dental/Vision 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 Health/Vision 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
Choose Your Plan
Dependent Opt In
Family Opt In
Opt Out
80% co-insurance
Maximum: $5,000 ($20 annual deductible)
Basic and Preventative: 100%
Minor Restorative: 75%
Extractions (limit 2 wisdom teeth): 75%
Major Restorative: 10%
Maximum:$500
80% per treatment up to $250, $300 or $1,000 depending on the type of practitioner.
$65 maximum for eye exam, $120 for prescribed lenses and frames or contact lenses every 24 consecutive months.
70% co-insurance
Maximum: $1,500 ($20 annual deductible)
Basic and Preventative: 100%
Minor Restorative: 85%
Extractions (limit 4 wisdom teeth):75%
Major Restorative: 10%
Maximum:$700
80% per treatment up to $150 or $250 depending on the type of practitioner.
$70 maximum for eye exam, $180 for prescribed lenses and frames or contact lenses every 24 consecutive months.
70% co-insurance
Maximum: $2,500 ($20 annual deductible)
Basic and Preventative: 75%
Minor Restorative: 50%
Extractions (limited to 2 wisdom teeth): 25%
Maximum:$250
80% per treatment up to $300 or $400 depending on the type of practitioner.
$70 maximum for eye exam, $180 for prescribed lenses and frames or contact lenses every 24 consecutive months.
- $5,000 maximum
- Coverage Details:
- 80% coverage
- $20 annual deductible
- $8.00 dispensing fee cap
- Drugs Covered:
- Most prescription drugs or medicines
- Allergy serums
- Oral contraceptives and the patch (birth control)
- Nuva Ring (contraceptive) ($178 maximum)
- Mirena, Jaydess and Kyleena IUD, subject to a combined maximum of $300 per insurer, per policy year (Jaydess and Kyleena IUD coverage)
- All acne medications (including Accutane)
- Vaccines (eff. Sept 1/19), Hepatitis B vaccine ($100 maximum)
- Insulin injectables
- Insulin supplies under pseudo din #910333 ($750 maximum)
- $1,500 maximum
- Coverage Details:
- 70% coverage
- $20 annual deductible
- $8.00 dispensing fee cap
- Drugs Covered:
- Most prescription drugs or medicines
- Allergy serums
- Oral contraceptives and the patch (birth control)
- Nuva Ring (contraceptive) ($178 maximum)
- Mirena, Jaydess and Kyleena IUD, subject to a combined maximum of $300 per insurer, per policy year (Jaydess and Kyleena IUD coverage)
- All acne medications (including Accutane)
- Vaccines (eff. Sept 1/19), Hepatitis B vaccine ($100 maximum)
- Insulin injectables
- Insulin supplies under pseudo din #910333 ($750 maximum)
- $2,500 maximum
- Coverage Details:
- 70% coverage
- $20 annual deductible
- $8.00 dispensing fee cap
- Drugs Covered:
- Most prescription drugs or medicines
- Allergy serums
- Oral contraceptives and the patch (birth control)
- Nuva Ring (contraceptive) ($178 maximum)
- Mirena, Jaydess and Kyleena IUD, subject to a combined maximum of $300 per insurer, per policy year (Jaydess and Kyleena IUD coverage)
- All acne medications (including Accutane)
- Vaccines (eff. Sept 1/19), Hepatitis B vaccine ($100 maximum)
- Insulin injectables
- Insulin supplies under pseudo din #910333 ($750 maximum)
- $500 Maximum ($20 annual deductible)
- 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; includes up to 4 units of scaling (above the gum line).
- Fluoride treatments will be limited to one per policy year.
- Minor Restorative
- 75% of the cost of amalgam, silicate, composite or tooth-coloured fillings and space maintainers.
- Extractions and Oral Surgery
- 75% 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 Restorative are covered at 10%.
- $700 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; includes up to 4 units of scaling (above the gum line).
- Fluoride treatments will be limited to one per policy year.
- Minor Restorative
- 85% of the cost of amalgam, silicate, composite or tooth-coloured fillings and space maintainers.
- Extractions and Oral Surgery
- 75% coverage of extractions and residual root removal, limited to four wisdom teeth in any policy year, other oral surgery is covered at 10% as noted below.
- Other
- Endodontics, Periodontics, and Major Restorative are covered at 10%.
- 250 Maximum
- Basic & Preventative Services
- 75% of one examination and consultation, including any necessary x-rays and diagnostic services at time of exam, during each policy year.
- 75% of one cleaning and one unit of polishing; includes up to 4 units of scaling (above the gum line).
- Fluoride treatments will be limited to one per policy year.
- Minor Restorative
- 50% of the cost of amalgam, silicate, composite or tooth-coloured fillings and space maintainers.
- Extractions and Oral Surgery
- 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.
- All benefits are covered at 80%
- Paramedical Practitioners
- Maximum of $1,000, $300 or $250 each policy year as per the practitioners listed below:
- Maximum of $1,000
- Services of a clinical psychologist(includes RSW and MSW social workers), psychotherapist, licensed professional counsell or licensed counselling therapist;
- Maximum of $300
- Combined services of a naturopath or a chiropractor
- Services of a physiotherapist, if recommended by a physician
- Services of a speech therapist
- Maximum of $250 each policy year for each type of practitioner listed below:
- Services of an athletic therapist, if recommended by a physician
- Orthopedic Supplies
- Charges for molded arch supports, orthopedic supplies and custom made orthopedic shoes are covered at 80% to a maximum of $200.00, 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 including 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
- 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
- Vaccines (excluding Hepatitis B), compound serums, colostomy supplies, injectable drugs and varicose vein injections, if medically necessary.
- Eff. Sept 1/19 Vaccines are covered under the prescription drug plan
- 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
- 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
- All benefits are covered at 80%
- Paramedical Practitioners
- Maximum of $250 each policy year for each type of practitioner listed below:
- Combined services of a clinical psychologist or speech therapist, (includes RSW and MSW social workers)
- Combined services of a naturopath or a chiropractor
- Services of a physiotherapist, if recommended by a physician
- Maximum of $150 each policy year for each type of practitioner listed below:
- Services of an athletic therapist, if recommended by a physician
- Orthopedic Supplies
- Charges for molded arch supports, orthopedic supplies and custom made orthopedic shoes are covered at 80% to a maximum of $150.00, 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 including 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
- 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
- Vaccines (excluding Hepatitis B), compound serums, colostomy supplies, injectable drugs and varicose vein injections, if medically necessary.
- Eff. Sept 1/19 Vaccines are covered under the prescription drug plan
- 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
- 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
- All benefits are covered at 80%
- Paramedical Practitioners
- Maximum of $400 each policy year for each type of practitioner listed below:
- Combined services of a clinical psychologist or speech therapist, (includes RSW and MSW social workers)
- Combined services of a naturopath or a chiropractor
- Services of a physiotherapist, if recommended by a physician
- Maximum of $300 each policy year for each type of practitioner listed below:
- Services of an athletic therapist, if recommended by a physician
- Orthopedic Supplies
- Charges for molded arch supports, orthopedic supplies and custom made orthopedic shoes are covered at 80% to a maximum of $200.00, 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 including 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
- 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
- Vaccines (excluding Hepatitis B), compound serums, colostomy supplies, injectable drugs and varicose vein injections, if medically necessary.
- Eff. Sept 1/19 Vaccines are covered under the prescription drug plan
- 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
- 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
- 100% of all eligible vision care claims are covered
- One eye exam every 24 consecutive months to a maximum of $65.00
- $120 maximum towards 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 $70.00
- $180 maximum towards 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 $70.00
- $180 maximum towards 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.
- Travelling 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 anesthetist
- 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.
- Travelling Within Canada
- Emergency Taxi
- When injury necessitates immediate medical attention, the Company will pay the reasonable expense incurred for a licensed taxi to transport the Insured to either a physician’s office or the nearest hospital, subject to the maximum amount of $50.00 as the result of any one accident.
- Special Treatment Travel Expense
- If injury necessitates special medical treatment recommended by the attending physician and which cannot be obtained within a radius of 160 kilometers of the Insured's residence, the Company will pay the reasonable and necessary travel expenses actually incurred to obtain such treatment. Should the age of the Insured necessitate accompaniment by an escort, the Company will pay reasonable and necessary travel expenses actually incurred for the person who accompanies the Insured, plus ordinary living expenses up to $40.00 per day. The maximum amount payable under this provision is $1,000.00 for all such expenses.
- Supplemental Transportation Expense
- If, as a result of an injury, it is deemed necessary for the Insured to be transported to his regular scheduled classes and his residence by means of transportation other than that which would have normally been used by the Insured, had such injury not occurred, the Company will reimburse the Insured for the additional cost of such alternate transportation, subject to a maximum of $15.00 per day and payable up to 60 scheduled class days.
- 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.
- The WeConnect Student Assistance Program (SAP) provides eligible students and their dependents with short-term therapy, lifestyle counselling, courses, tools, and events to improve mental and physical health.
- How do I access WeConnect support?
- •Access is available by phone, email, chat, SMS, Snapclarity App
- •Select the “WeConnect SAP” Tile from the homepage.
- o Sign up using your email and institution code (below) and create a unique username and password. You now have access to the WeConnect Student Assistance Program.
- o Code: unbjohn
- •Call/text 1-888-377-0002; or
- •Download the iConnectYou mobile app, available on Google play or Apple iTunes to access services.
- WeConnect Program Services:
- Access is available 24/7 by phone or virtual resources, worldwide
- Care is immediate by connecting with the intake team and payment for counselling is not required
- Trained clinical professionals
- Managing change/transitions
- Time management and organization
- Career development
- Student-life balance
- Personal growth and development
- Dependent Care
- Legal and Financial Support
- Daily Living / Life Coaching
- Mindfulness / Wellness Coaching