Coverage valid in Canada only.
Going to the doctor if you are feeling sick or are injured
Visits to the Emergency Room
Hospitalization
Sexual Health Testing
Visits to a psychologist or psychiatrist- 100% covered up to $10,000
Visits to a social worker – 100% covered up to $500
Hospitalization due to a mental health illness or concern such as anxiety, depression, bipolar, schizophrenia or other- 100% covered up to $60,000 (lifetime maximum)
Psychiatry fees billed separately during your time in the hospital – 100% covered up to $60,000 (lifetime maximum)
The Free I.M. Well Service is available to ALL International Dalhousie students and their families, even after graduation. I.M. Well Service
Ambulance – Up to $10, 000
Taxi or Uber to hospital- Up to $125
Repatriation (you are sick and must return home permanently) – up to $20,000
Repatriation of remains (transporting your body to your home country) – up to $20,000
Supplemental Expenses for family (i.e. accommodation, food) $150 day up to $1,500 max
Maternity expenses including ultrasounds, lab tests, doctor visits, delivery and well-baby care for up to 6 months post-birth - $25,000
Miscarriage – Covered under $25,000 maternity benefit
Pregnancy Termination (Abortion) – 1 per policy year
Travel within Canada: Unlimited duration
Travel outside of Canada for leisure (fun, personal): 120 days
Travel outside of Canada for school (i.e., co-op): Up to 184 days as long as 51% of the policy year is spent in Canada
Travel to your home country: 31 days max up to $10,000 coverage
Family Travel to your bedside (if you are hospitalized for more than 7 days) - $5,000 for airfare for 2 immediate family members.
Immigration Medical Exams including Medical Assessment fees, testing, imaging, or other services required for third-part exams
Medical expenses for a pre-existing medical condition that was not stable for 90 days before the coverage began
Services provided by a family member
An Illness or injury resulting from non-compliance with medical treatment or therapy that has been prescribed
participation in a criminal act or attempt to commit a criminal act, regardless of whether charges are laid or a conviction is obtained
Services, treatment or supplies that are: i. not incurred as a result of an Emergency; ii. not Medically Necessary; iii. for cosmetic purposes only; iv. elective in nature; or v. experimental or investigative.
An accident means an occurrence due to external, violent, sudden, fortuitous causes beyond the insured’s control, which must occur while the student is insured under this policy
Accidental Dental Expense ($1,000)
Funeral Expense ($2,500)
Hospital Indemnity ($2,500)
Bereavement Expense
Day-Care Indemnity
Family Transportation Expense
Tutorial Fees Expense (Education Indemnity)
Death, Natural Causes
Death, Suicide
Accident Reimbursement Expense
Home Alteration and/or Vehicle Modification Expense
Identification Expense
Occupational Training Expense
Rehabilitation Expense
Repatriation Expense
Seat-Belt Indemnity
Death, Accident
Brain Death Indemnity
Cosmetic Disfigurement Indemnity
Email: info@studentvip.ca
Phone: 1-888-918-5056
Monday – Friday
8:30am-4:30pm EST
We can also be contacted via live chat from the button on our home page.
Email: stclair@medavie.bluecross.ca
Phone: 1-833-867-3468
8 am - 8 pm EST
No, MSI is not an alternative for Extended Health and Dental. These two benefit plans supplement your Basic Health plan (or MSI coverage).
If you have comparable coverage (through work, spouse, parents, etc.) you can submit an opt-out for Extended Health & Dental during the appropriate opt-out period.
Once you opt-out, you cannot opt back in during the policy year (September 1 to August 31).
Fall: August 8, 2023 – September 30, 2023
Winter: December 15, 2023 – January 22, 2024
Spring: April 15, 2024 - May 20, 2024
2 million dollars in coverage (CAD)
Be active for the entire duration of your study period
Include at minimum, coverage for hospitalization, outpatient care, surgery, lab tests, diagnostic tests, and repatriation
Your policy must not contain any exclusions for medical services including hospitalization relating to being under the influence (i.e. alcohol) or for self-harm, self-inflicted injury, attempted suicide or suicide whether sane or insane.
Even though you have MSI, it is only valid in Nova Scotia. This means, if you leave the province of Nova Scotia for any period of time, you would be not have coverage for medical emergencies and therefore be exposed to high costs if you were to get sick or injured while outside of Nova Scotia. Additionally, when your provincial coverage is not in place (such as if you leave the province) the emergency travel coverage you may have through your DSU Health & Dental Benefits or through any other extended health plan will not be in effect as these plans require that provincial health care (or an equivalent plan) are in place.
Students are covered for 31 days outside of the province of Nova Scotia and outside of Canada (including their home country) for medical emergencies.
Preferred Provider Plus are providers that are offering more than 20% discount for their services. In order to access the discount, please show the practitioner your StudentVIP plan card.
Please use our provider search tool to find contact information for Preferred Providers offering discounts of up to 19%. Remember to present your Student VIP card to access these savings.