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Group Policy #92650
The Language Centre International Student Health Plan
 
  • Coverage is mandatory for all international students attending Saint Mary's University.
  • This plan provides coverage for doctor visits, hospitalization, x-rays, lab tests, repatriation and more.
  • If you have a pre-existing medical condition, coverage may be limited.
  • If you need to see a doctor or nurse, please click here for health care options.
  • If you want to confirm eligibility of a service, you can complete a pre-determination form and submit to Medavie Blue Cross. The pre-determination form is found here.
  • Please download the My Peak mobile app for all of your health plan resources. Click here for more information.
This portion of your insurance coverage is for medical expenses if you are sick or injured and require medical care. Your policy covers these expenses at 100% and there is no deductible or co-pay for you.

NOTE: These details are a summary only. Please refer to the policy for full details including limitations and exclusions.
  • Medical Coverage
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  • Hospitalization
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  • Lab Tests
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  • X-Rays and other Diagnostic Tests
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  • Accidental Dental
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  • Mental Health
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  • Transportation
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  • Pregnancy & Maternity
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  • Travel
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  • Other
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  • General Exclusions
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  • BROCHURES
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  • POLICY
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  • COVERAGE QUESTIONS?
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General Check-up with a doctor
Doctors’ visits if you are feeling sick or are injured, here are some examples of issues you would be covered for.

Ear infections
Headaches
Rashes
Acne
Sexual health
Female exams
Male exams
Transgender care
Stomach pains
Ore throat
Chicken pox
Hives
Sprains and fractures and broken bones
UTI (Unitary Tract Infection)
STI (Sexual Health Infections)
Bladder Infections
Kidney Infections
Cuts and Lesions
Stitches & Casting
Counselling services
Medication needs including prescribing and refills
Stitches
Diabetic support


Submit an Eligibility Review!

If you are unsure if your medical or health care procedure will be covered by the plan, you can submit a pre-determination form before you receive your services or procedure.

This is just a summary list of medical examples that may be covered by the plan and does not include all eligible illness or injuries. All claims are reviewed for approval based on the terms and conditions of the policy.

If you are sick, injured, have had an accident or medical emergency, please proceed to get the care you need and notify your insurance when you are able to.
Emergency Room Visits
If you are having a medical emergency, you must call 911 and /or proceed to the nearest hospital. A medical emergency can include things like:
  • Trouble breathing
  • Loss of breath
  • Uncontrollable breathing
  • Numbness in the body
  • Sudden loss of vision or hearing
  • Sexual Assault
  • Physical Assault

This is just a summary list and does not include all types or examples of a medical emergency and does not confirm coverage. All claims are processed by the insurance company based on the terms and conditions of the policy.

If you are sick, injured, have had an accident or medical emergency, please proceed to get the care you need and notify your insurance when you are safe and able.
This portion of your insurance coverage is for medical expenses if you are sick or injured and require medical care. Your policy covers these expenses at 100% and there is no deductible or co-pay for you.


NOTE: These details are a summary only. Please refer to the policy for full details including limitations and exclusions.

Click here to view your International Health Plan Policy


Coverage for hospitalization if you need to stay in the hospital.


Sometimes after a medical emergency or accident you are required to stay in the hospital to be treated and taken care of. This can include
· During or after a severe sickness or illness
· After an accident such as a car accident or a slip and fall
· After a head injury or concussion
· While waiting for surgery or specialized care
· After surgery
· After giving birth
· Experiencing a mental health concern

This is just a summary list and does not include all examples or reasons why someone would need to stay in the hospital and does not confirm coverage. All claims are processed by the insurance company based on the terms and conditions of the policy.

If you are sick, injured, have had an accident or medical emergency, please proceed to get the care you need and notify your insurance when you are safe and able.
Lab tests also known as diagnostic testing is often required to diagnose an illness and prescribe the proper medications or care.

Lab tests may be required for the following:
  • Sexually Transmitted Infections (STI’s)
  • Confirm pregnancy
  • Test for viral and bacterial infections such as Strep Throat

This is just a summary list and does not include all examples or reasons why someone would need lab tests and does not confirm coverage. All claims are processed by the insurance company based on the terms and conditions of the policy.

If you are sick, injured, have had an accident or medical emergency, please proceed to get the care you need and notify your insurance when you are safe and able.
When you are injured, you may be required to get an image to help the doctors and nurses determine what is wrong or how severe your illness or injury may be. Reasons why a doctor may need an x-ray, MRI, CT scan or Ultrasound.

  • Broken or fractured bones
  • Head and or neck injury
  • Back injury
  • Confirm if you have appendicitis
  • Confirm pregnancy
  • Diagnose an illness

This is just a summary list and does not include all examples or reasons why someone would need x-rays and does not confirm coverage. All claims are processed by the insurance company based on the terms and conditions of the policy.

If you are sick, injured, have had an accident or medical emergency, please proceed to get the care you need and notify your insurance when you are safe and able.
Dental accident and emergencies can happen and you have coverage if you need urgent dental care. 
 
Accident Damage to Teeth: $5,000
Emergency Pain Relief: $600
Impacted Wisdom Teeth Extraction: $100 per tooth
 
NOTE: These details are a summary only. Please refer to the policy for full details including limitations and exclusions. 
 
Taking care of your mental health is just as important as taking care of your physical health. Sometimes you may just need to talk to someone and sometimes you may need therapy and medication or something else.

No matter what your mental health journey looks like, you have coverage through your plan to support your mental health care.

  • Visits to a psychologist or psychiatrist- 100% covered up to $1,000
  • Hospitalization due to a mental health illness or concern such as anxiety, depression, bipolar, schizophrenia or other- 100% covered up to $60,00 (lifetime maximum)
  • Psychiatry fees billed separately during your time in the hospital – 100% covered up to $60,000 (lifetime maximum)

NOTE: These details are a summary only. Please refer to the policy for full details including limitations and exclusions. Click here to view your International Health Plan Policy

The Medical & Wellness plan also includes coverage for various transportation needs including:

  • Ambulance – Up to $10, 000
  • Taxi or Uber to hospital- Up to $200
  • 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
  • Family Travel to your bedside (if you are hospitalized for more than 7 days) - $5,000 for airfare for 2 immediate family members.
  • Supplemental Expenses for family (i.e. accommodation, food) $150 day up to $1,500 max


NOTE: These details are a summary only. Please refer to the policy for full details including limitations and exclusions. Click here to view your International Health Plan Policy

The Medical & Wellness plan includes coverage for pregnancy, terminations (abortions), miscarriages, delivery and more.

  • 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

NOTE: These details are a summary only. Please refer to the policy for full details including limitations and exclusions. Click here to view your International Health Plan Policy

Your plan includes travel coverage across the globe!

Travel within Canada: Unlimited duration
Travel outside of Canada: 60 days
Travel to your home country: 30 days max up to $1,000 coverage

You do not need to let studentVIP know when you are travelling.

Please ensure you have your Health Plan Card with you when you travel in the event you need to contact emergency assistance and or seek medical help.

NOTE: These details are a summary only. Please refer to the policy for full details including limitations and exclusions. Click here to view your International Health Plan Policy

Additional health and wellness benefits are included in your coverage such as: 
 
Eye Exam: 100% up to $100 (if you are enrolled for 3+ months of coverage)
Knee Brace due to injury: 100% up to $800 
Medical Equipment & Supplies: 100% see policy for full details
Crutches, Casts, Walking Aids: 100% see policy for full details 
 
NOTE: These details are a summary only. Please refer to the policy for full details including limitations and exclusions. 
 
 
While the medical & wellness plan is very inclusive, there are things that are not covered by the insurance.

If you are unsure if your medical or health care procedure will be covered by the plan, you can submit a pre-determination form before you receive your services or procedure.

  • 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:
    • not incurred as a result of an Emergency;
    • not Medically Necessary;
    • for cosmetic purposes only;
    • elective in nature; or
    • experimental or investigative.



This is not the full list, please review your policy here for full details or contact studentVIP or Medavie Blue Cross.

Choose one of the brochures below
 

English     Arabic     Chinese     Japanese     Korean  

Click here to see the Top 5 Things you Should Know  

View your Health Policy here.

For questions regarding what is covered under your plan contact the SMUSA Health Plan Office or Medavie Blue Cross directly.
 

Medavie Blue Cross Coverage Telephone Number: 1-833-867-3468
Medavie Blue Cross Coverage Email: saintmarys@medavie.bluecross.ca

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