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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
There is no provision for worldwide coverage for the Vision benefit as this plan only allows Canadian vision care providers N/A |
Enhanced Drug/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
There is no provision for worldwide coverage for the Vision benefit as this plan only allows Canadian vision care providers N/A |
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
There is no provision for worldwide coverage for the Vision benefit as this plan only allows Canadian vision care providers N/A |
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75% co-insurance
Maximum: $1,000 ($25 annual deductible)
Basic and Preventative: 100%
Minor Restorative: 75%
Extractions (limit 2 wisdom teeth): 75%
Major Restorative: 10%
Maximum: $500
Paramedical Practitioners: 80% ($300 maximum)
$65 maximum for eye exam
$80 for prescribed lenses and frames or contact lenses every 24 consecutive months
80% co-insurance
Maximum: $1,000 (No deductible)
Basic and Preventative: 50%
Minor Restorative: 50%
Extractions (limit 2 wisdom teeth): 25%
Maximum: $250
Paramedical Practitioners: $20 per visit ($150 maximum)
$65 maximum for eye exam,
$120 for prescribed lenses and frames or contact lenses every 24 consecutive months
70% co-insurance
Maximum: $500 ($40 annual deductible)
Basic and Preventative: 100%
Minor Restorative: 80%
Extractions (limit 4 wisdom teeth): 75%
Major Restorative: 10%
Maximum: $700
Paramedical Practitioners: $20 per visit ($200 maximum)
$65 maximum for eye exam
$120 for prescribed lenses and frames or contact lenses every 24 consecutive months
- $1,000 maximum
- Coverage Details:
- 75% coverage
- $25 annual deductible
- $8.00 dispensing fee cap
- Drugs Covered:
- Most prescription drugs or medicines
- Insulin injectibles
- Insulin supplies under pseudo din #910333 ($200 maximum)
- Allergy serums
- Hepatitis B Vaccine, subject to a maximum of $100.00 per Insured, per policy year
- Contraceptive patch and oral contraceptives
- Nuva Ring (contraceptive), subject to a maximum of $178.00 per Insured, per policy year
- Acne medications (excluding Accutane)
- $1,000 maximum
- Coverage Details:
- 80% coverage
- No annual deductible
- $8.00 dispensing fee cap
- Drugs Covered:
- Most prescription drugs or medicines
- Insulin injectibles
- Insulin supplies under pseudo din #910333 ($200 maximum)
- Allergy serums
- Hepatitis B Vaccine, subject to a maximum of $100.00 per Insured, per policy year
- Contraceptive patch and oral contraceptives
- Nuva Ring (contraceptive), subject to a maximum of $178.00 per Insured, per policy year
- Acne medications (excluding Accutane)
- $500 maximum
- Coverage Details:
- 70% coverage
- $40 annual deductible
- $8.00 dispensing fee cap
- Drugs Covered:
- Most prescription drugs or medicines
- Insulin injectibles
- Insulin supplies under pseudo din #910333 ($200 maximum)
- Allergy serums
- Hepatitis B Vaccine, subject to a maximum of $100.00 per Insured, per policy year
- Contraceptive patch and oral contraceptives
- Nuva Ring (contraceptive), subject to a maximum of $178.00 per Insured, per policy year
- Acne medications (excluding Accutane)
- $500 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
- 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%.
- $250 Maximum
- Basic & Preventative Services
- 50% of one examination and consultation, including any necessary x-rays and diagnostic services at time of exam, during each policy year.
- 50% of one cleaning and two units 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 including wisdom teeth in any policy year.
- $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
- 80% 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%
- All benefits are covered at 80% unless otherwise indicated
- Paramedical Practitioners
- Maximum of $300 each policy year for each type of practitioner listed below:
- Combined services of a clinical psychologist or speech therapist, if recommended by a physician, (Effective May 10, 2019 referrals will also be accepted from the Learning Strategists/Accessibility Counsellors or Nurse Practitioners at the campus on-site health clinic at Confederation College);
- Combined services of a naturopath or a chiropractor;
- Services of a registered massage therapist;
- Services of a physiotherapist, 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.
- Prosthetic Appliances
- Artificial limbs - lost, repair, and 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% unless otherwise indicated
- Paramedical Practitioners
- Coverage is $20.00 per treatment to a maximum of $150 each policy year for each type of practitioner listed below:
- Combined services of a clinical psychologist or speech therapist, if recommended by a physician (Effective May 10, 2019 referrals will also be accepted from the Learning Strategists/Accessibility Counsellors or Nurse Practitioners at the campus on-site health clinic at Confederation College);
- Combined services of a naturopath or a chiropractor
- Services of a registered massage therapist; if recommended by a physician
- Services of a physiotherapist, 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 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
- 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.
- 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% unless otherwise indicated
- Paramedical Practitioners
- Coverage is $20.00 per treatment to a maximum of $200.00 each policy year for each type of practitioner listed below:
- Combined services of a clinical psychologist or speech therapist, if recommended by a physician (Effective May 10, 2019 referrals will also be accepted from the Learning Strategists/Accessibility Counsellors or Nurse Practitioners at the campus on-site health clinic at Confederation College);
- Combined services of a naturopath or a chiropractor
- Services of a registered massage therapist; if recommended by a physician
- Services of a physiotherapist, 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 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
- 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.
- 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$80 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 $65.00$80 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 $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
- Life Insurance Benefit
- Industrial Alliance Insurance and Financial Services Inc. agrees to pay the amount of insurance if the Insured Student should die while covered under this insurance benefit. Any payment made in good faith at the time of payment shall fully discharge Industrial Alliance Insurance and Financial Services Inc. of any liability for the amount of such payment under this benefit.
- Amount of Insurance
- Amount of insurance: $10,000
- Termination of insurance: The date an Insured Student reaches 65 years of age
- Beneficiary
- Insurance payable in the event of the loss of life of an Insured Student is payable to the parent, or guardian where the Insured Student is a minor. Otherwise, it is payable to the estate of the Insured Student.
- Conversion Privilege
- If the insurance under this benefit ends because the Insured Student ceases to belong to the group insured while the contract is in force, the Insured Student is entitled to convert all or part of his group life insurance coverage to individual life insurance without having to prove his insurability. To exercise the conversion privilege, the Insured Student must apply in writing to Industrial Alliance Insurance and Financial Services Inc. no later than 31 days after the day he ceases to belong to the group insured. If the Insured Student ceases to belong to the group on the day he reaches the 65 years of age or earlier, he can opt for one of the following types of individual insurance:
- a) A life insurance that is comparable to his group insurance as to the amount and duration, but that does not exceed $400,000 for all of his group life insurance benefits combined, including the ones he was insured for as a spouse or child, where applicable
- b) A one-year term life insurance that can be converted into the insurance described in item a) above
- If the Insured Student should die during the 31-day period in which he could have exercised his conversion privilege and his group insurance coverage has not already been converted, the amount of life insurance he was eligible to convert shall be payable under the group insurance contract.
- In all cases described above, the premium for the first year of the individual insurance cannot exceed the premium for a one-year term insurance. Except for this first-year premium, the premiums must be level for the term of the individual policy. The individual policy premiums are based on the rates in force for individual insurance, in accordance with the gender, age and smoking status of the Insured Student on the date he ceases to belong to the group insured, and in accordance with the particulars that applied to the group life insurance of the Insured Student. Industrial Alliance Insurance and Financial Services Inc. must receive the first premium for individual life insurance within 31 days following the date the Insured Student ceases to belong to the group insured.
- Please refer to the student insurance booklet for Exclusions and Limitations
- 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.
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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. WeSpeakStudent wants you to that there are helpful resources in your local community ready to support you.
- Community Resources
- Thunder Bay Counselling & The Children's Centre Thunder Bay
- Talk-in counselling (first come first serve basis) offered Monday to Friday. Visit the Thunder Bay Counselling or Children's Centre Thunder Bay websites for schedules
- Main line: (807) 700-0090
- Alpha Court
- Programming and services to support individuals with serious mental health and/or addictions concerns (Day centre closed until further notice).
- On-call (phone/virtual) services available on a first come first serve basis Mondays, Wednesdays and Fridays
- 1:00 p.m. to 4:00 p.m.
- (807) 683-8200
- People Advocating for Change through Empowerment (P.A.C.E.)
- Peer support program to support people with mental health and addictions issues. Free programming and drop in facility for members (membership is free).
- Services have been altered due to COVID-19, call (807) 632-4305 or reach out through the website for support and information on services offered.
- Main line: (807) 343-4760
- Rapid Access Addiction Medicine Clinic (RAAM)
- RAAM clinic provides low-barrier, easy to access, and walk-in services for people living with substance use issues. *Must book appointment during COVID-19.
- NorWest Community Health Centre
- (807) 626-8478
- Monday to Friday during clinic hours
- 24/7 Phone & Online Resources
- Mental Health First Response Line – 519-336-3445 or 1-800-307-4319
- Distress Line – 519-336-3000 or 1-888-347-8737
- Good 2 Talk (17-25 years old) – 1-866-925-5454, www.good2talk.ca
- Connex Mental Health Helpline – 1-866-531-2600, www.mentalhealthhelpline.ca
- Kids Help Phone (under 20 years old) – 1-888-668-6868, www.kidshelpphone.ca Kids Help Phone Resources