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YOUR COVERAGE Policy Year: September 1, 2017 - August 31, 2018

 

Overall Drug, Extended Health & Vision Maximum: $5,000/benefit year

The details below are a summary of benefits, full benefit details can be found in the Benefit Brochure for the current policy year.
In the event of a discrepancy between the website and the Benefit Brochure, the Benefit Brochure will be taken as true.



  • Drug Coverage
  • Extended Health Coverage
  • Vision Coverage
  • Dental Coverage
  • Travel Coverage
  • Accident Coverage

Coverage valid IN CANADA only

Want to know if your drug is eligible for coverage? Check out our Eligible Drug Search tool to find out! 

Drug Coverage - 50% - 100% Coverage

100% Coverage

80% Coverage

Generic Drugs

Brand Drugs


All Other Pharmacies

80% Coverage  

50% Coverage

Generic Drugs

Brand Drugs

Mandatory Generic Product Selection 

  • Brand name drugs will be covered up to the amounts listed above up to the cost of the lowest-priced generic equivalent.
  • Only those drugs which legally require a prescription and are eligible under the plan will be covered.

Drug Plan Also Includes: 

  • Contraceptives (incl oral, IUD’s, IUS’s)
  • Diabetic Supplies (test strips & needles) (glucometers may be covered under Other Medical Coverage)

  • Standard Preventative Vaccines **

  • Hepatitis C Medications ($1,500/lifetime)

  • Biologic Agents ($1,500/benefit year)*

Drug Plan Does NOT Include: 

  • Gardasil Vaccine

  • Anti-Obesity Drugs/Products

  • Erectile Dysfunction Drugs

  • Fertility Drugs/Treatment

  • Smoking Cessation Aids/Remedies
     

* Biologic Agents may include drugs to treat severe arthritis, MS, Crohn’s, etc such as Humira.

** Vaccinations must be administered by a licensed retail pharmacy to be eligible for coverage.

Coverage valid IN CANADA only

Overall Drug, Extended Health & Vision Maximum: $5,000/benefit year

Practitioner Coverage - 80% Coverage

The following practitioners are covered up to the amounts listed:

  • Chiropractor ($20/visit, 12 visits/$240 per benefit year)
  • Acupuncture ($20/visit, 12 visits/$240 per benefit year)
  • Registered Massage Therapist ($20/visit, 12 visits/$240 per benefit year)
    *Physician's Prescription required with first claim submission each policy year
  • Physiotherapist ($30/visit, 12 visits/$360 per benefit year)
  • Naturopath ($250 per benefit year)
  • Osteopath, Chiropodist, Podiatrist ($240 combined per benefit year)
     

Other Medical Coverage - 80% Coverage

Coverage is to maximum indicated, unless otherwise stated:

  • Orthotic Appliances or Custom Orthopedic Shoes ($250 per benefit year)* ****
  • Medical Equipment & Supplies ($500 per benefit year)** ***
  • Ambulance to Nearest Treating Hospital (Reasonable & Customary)

*Prescribed by a medical doctor, an orthopedic surgeon or podiatrist 
**Prescription required for first {RMT, Physio, etc} claim each new policy year, if prescription is less than 12 months from date of issue, it can be used in subsequent policy years. 
***For a full listing of eligible expenses, please see the Brochure
****Must be obtained from one of the following providers: podiatrist, chiropodist, pedorthist, orthoptist, or chiropractor (with an orthotic agreement on file)

Coverage valid IN CANADA only

Overall Drug, Extended Health & Vision Maximum: $5,000/benefit year

Vision Coverage - 80% Coverage

  • Eye Examinations, Frames, Lenses & Contact Lenses - $150 every 24 months

LASIK or Laser Eye Surgery is NOT covered under the plan.


Vision Pros

Coverage valid IN CANADA only

Dental Coverage - 50% - 75% Coverage

Pre-Authorization: It is strongly recommended to obtain a pre-authorization for extensive dental procedures to prevent unexpected costs. Have your dentist send a quote/predetermination along with your name and Student ID to Medavie Blue Cross™ at fax: 506-867-4651.

Students can check to see if the dental code on their pre-determination is eligible on the Plan. Login to the Blue Cross Member Portal to find out! Note that this does not say how much is eligible, just if the code itself is eligible on your plan.

 

 

If your claim is the result of a Dental Accident please go to the Accident Coverage section for more information.


Annual combined maximum of $750.00/year/insured       Reimbursement based 1997 Alberta Fee Guide plus inflationary adjustment

 

Examinations (75%)
Complete oral examination (once every 5 years) / Limited/recall examination (once every 12 months)

 

Radiographs (75%)
Complete series Periapical or Panoramic (once every 5 years)  / Bitewing (once every 12 months)

 

Preventative Services (75%)
Dental polishing (1-15 minute unit every 12 months) / Scaling (1-15 minute units every 12 months)

 

Minor Restorative (50%)
Fillings

 

Extractions (50%)
Includes wisdom tooth extractions

 

Anesthesia (50%)
When in conjunction with surgical services

 

Other Dental Coverage (50%-75%)
Endodontic / Periodontic / Denture Services


Limitations and Exclusions may apply.
Please see the BROCHURE for full details.

365 Days per Trip, $2,000,000 Maximum

Travel Coverage

Full details can be found in the Travel Brochure

Keep In Mind

  • Travel coverage cannot be extended past August 31 each policy year. If your travel duration exceeds August 31, please contact your health plan office or Student VIP for more information.
  • 365 days of coverage may not be valid for international students. Please contact the health plan office or Student VIP for confirmation before you leave the province.
  • Travel coverage offered through the plan is only valid if your provincial health care is in force for the entire duration of your travel. Please contact your provincial Ministry of Health office or download the appropriate travel flyer HERE for more information.

Visa & Travel Letter Request Forms

  • Students requiring proof of coverage for their Visa application may complete the Visa & Travel Letter Request Form, your request will be reviewed and the letter e-mailed to you in 3-5 business days.
  • Students only require a travel letter if the country they are travelling to requires a letter for entry into the country, or if they have to apply for a travel visa. 
  • Domestic students travelling to Cuba do not require a travel letter, your provincial health coverage should be sufficient for entry into Cuba. 

Coverage Includes, but is not limited to:

  • Emergency medical assistance
  • Repatriation of mortal remains (maximum $7,500)
  • Airfare in the event of:
    • Missed return flight due to illness of you or travelling companion
    • Medically required attendant to accompany insured home
    • Cost of airfare for spouse or close relative if confined outside province for at least 7 days plus $150/day for meals & accommodation for up to 5 days
    • Cost of airfare to return unsupervised children under the age of 15 home when only available supervising guardian is hospitalized
  • Cost of return of patient's vehicle when patient or family is unable to do so (maximum $1,000)
  • Costs incurred by family (when patient is detained in hospital) for meals and accommodation (maximum $150/days up to 10 days)
  • Trip cancellation ($5,000 Maximum) 
  • Lost luggage coverage ($500 Maximum)
  • International students will have coverage in their home country for emergency services if provincial or equivalent coverage is extended as well.

Travel Advisories

Students planning to travel to counties with travel advisories issued to them should check to ensure coverage will be enforced while abroad, even if not planning to travel to an affected area.  To see a listing of travel advisories, please visit the Government of Canada Travel Website.

Provincial Coverage & Travel

Those with a valid provincial health plan card may still have partial coverage for some emergency services while travelling abroad. For more information please visit the Ministry of Health website for the province your coverage is with.

Exclusions

Expenses incurred for injuries and/or illness as a result of the insured’s reckless behavior while on a trip, including international non-compliance with a prescribed treatment or therapy, or intentional misuse of medication or reckless disregard for their own health or safety while engaging in activities or treatment thereof, or accidents relating thereto. 

Are you currently travelling and need to contact your travel provider?

Within Canada (not your home province) and the United States: 1-800-563-4444
Anywhere else in the world, call collect: 1-506-854-2222

Please have the following information ready:

Personal Information

  1. Your name and Student ID
  2. Your Policy Number 0091941000

Travel Information

  1. Travel dates: departure date and return date (from/to) the home province
  2. Travel destination: City, State/Province (when applicable), Country
  3. Travel purpose

Medical Information

  1. Description of the medical emergency or need (symptoms, circumstances, etc.)
  2. Date of medical emergency or first onset of symptoms

Have you returned from your trip and need to make a claim?

Please complete the Travel Claim Form Request and your claim form will be emailed to you.
If you wish to speak to an agent, please call 1-800-667-4511 and ask to speak to the Travel Claims Department.
Still need assistance? Please email international@studentvip.ca or Live Chat with us by heading to the home page of this site and clicking the "Live Chat" button.

Important Reminders

  • All claims must be accompanied by original receipts and the original claim form
  • Please take copies or scans of ALL documents and receipts before submitting your claim

 

Coverage valid IN CANADA only

What is an Accident?

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. 

What is Covered?

Accidental Death & Dismemberment      Maximum $6,000 

Payment of a stipulated sum for loss of life or limb through accidental means, provided such loss occurs within 365 days after the date of accident causing such loss

 

Accidental Dental       Maximum $1,000 

Injury to whole and sound teeth, and within 30 days from the day of the accident obtains treatment in Canada from a qualified dentist. Reimbursement will only be provided on expenses which are: incurred in Canada, incurred within 52 weeks of the date of the accident causing injury, incurred only for therapeutic and not elective or aesthetic treatment, and supported by an original standard dental claim form.

 

Accidental Medical      Maximum $10,000 

If within 30 days from the accident causing injury, the insured obtains medical treatment in Canada may be reimbursed for the following reasonable and necessary expenses to the specified maximum per Insured for all injuries resulting from any one accident: 

  • Duty nurse ($50/hour, $5,000 maximum)

  • Ambulance ($5,000)

  • Semi-private hospital room ($5,000)

  • Wheelchair rental (Reasonable & Customary)

  • Fee for services of a licensed physiotherapist ($500), chiropractor ($300)

  • Hearing aids, crutches, splints, casts, trusses and braces, excluding replacement (Reasonable & Customary)

Expenses must be incurred in Canada, within 52 weeks of the date of the accident causing injury, incurred for only therapeutic and not elective treatment, and supported by original receipts.

 

Tutorial Expense      Maximum $20/hour up to $2,000

If insured suffers injury resulting in hospital or medically necessary bed rest and is confined for at least 15 consecutive school days, as determined by a Physician, the insurer will pay for the private tutorial services of a qualified teacher.

 

Repatriation      Maximum $10,000 

If injury causing loss of life occurs more than 50 kilometers from insured’s permanent city of residence and within 365 days of the date of the accident causing injury, the insurer shall pay the actual expenses incurred for preparing the deceased insured for burial or cremation and shipment of the body to the city of residence of the deceased insured.

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