Direct2U Prescriptions:

100% Coverage for Tier 1

80% Coverage for Tier 2 & Specialty Drugs

All Other Pharmacies:

80% Coverage for Tier 1

50% Coverage for Tier 2 & Specialty Drugs

Drug Benefits also Include:

Contraceptives (incl Oral, IUD's, IUS's) (IUD's: One/5 Benefit Years)

Gardasil Vaccine ($300/benefit year)

Standard Preventive Vaccines

Diabetic Supplies (test strips & needles) (Glucometers may be covered under Extended Health) 

Hepatitis C Medications ($1,500/lifetime)

Drug Benefits do NOT Include:

Want to know if your drug is eligible for coverage? Use the Medavie Blue Cross® Drug Look-Up Tool or our Eligible Drug Search tool to search by DIN or Drug name.

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 that legally require a prescription and are eligible under your benefits will be covered.

Maximum $55/visit, up to a combined maximum of $350 per benefit year

Physiotherapist

Registered Massage Therapist*

*Physician's Prescription must accompany first [RMT] claim each new policy year, if prescription is less than 12 months from date of issue, it can be used in subsequent policy years.

100% Coverage, $1,000 combined/benefit year

Psychologist**

Social Worker (MSW)**

Psychotherapist**

Clinical Counsellor**

80% Coverage, $1,000 Maximum:

Psychological Educational Assessment/Testing***

**Any other mental health practitioners who do not meet the above criteria will not be considered eligible for coverage under the benefits

**Psychotherapists must be in good standing with the college in their province, as well as registered as a provider with Medavie Blue Cross and be issued a provider number.

***Referral from a physician is required for Psycho-educational assessments. Assessments are limited to once every 5 years.

80% Coverage, $45 per visit maximum, $350 combined per benefit year

Chiropractor

Chiropodist

Podiatrist

Osteopath

Naturopath

Dietician

Coverage is to maximum indicated, unless otherwise stated:

Medical Equipment & Supplies ($500 per benefit year) *** ****

Ambulance to Nearest Treating Hospital ($1,000/benefit year - Reasonable & Customary)

***Prescription required from a medical Doctor
****For a full listing of eligible expenses, please see the benefit booklet

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

Emergency medical assistance

Repatriation of mortal remains (maximum $7,500)

Airfare in the event of :

1. Missed return flight due to illness of you or travelling companion
2. Medically required attendant to accompany insured home
3. Cost of airfare for spouse or close relative if confined outside province for at least 7 days
4. 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/day up to 20 days) ($3,000 Maximum/incident)

Trip cancellation ($5,000 Maximum)

Lost luggage coverage ($500 Maximum)

International students will have 30 days of coverage in their home country for emergency services if provincial or equivalent coverage is extended as well.

Psychological Coverage abroad- If you seek services abroad, you may claim your visits upon return to Canada and may be eligible for a refund. All claims are adjudicated in accordance with policy wording and eligible claims are refunded in Canadian dollars

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.

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

For medical claims abroad (doctor visits, hospital visits, x-rays, lab work, etc.), please complete the Travel Claim Form Request and your claim form will be emailed to you

For trip cancellation or interruption please complete below form

The attending physician form found here must also be completed if your trip cancellation or interruption is due to medical reasons

For baggage claims, please complete this form and submit it to the Travel Claims Department

To speak to an agent dial 1-833-564-4444, select prompt 1 for English

Still need assistance? Please email info@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

Time Limit to Submit a Claim: Blue Cross must receive proof of claim within 4 months of the date the expense was incurred to be eligible for maximum reimbursement under the benefit. Blue Cross will accept claims up to 12 months from the date the expense was incurred However, the claim may be subject to reductions

Please take copies or scans of ALL documents and receipts before submitting your claim

Travel Advisories

Students planning to travel to countries 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

The Foreign Affairs and International Trade Canada website includes Travel Warnings and Advisories for specific countries experiencing civil unrest. Their website is www.travel.gc.ca and the information is updated regularly. We recommend that you check this website prior to leaving Canada for essential travel information

We encourage you to review your Travel Right brochure. If you have any questions, contact us at 1-833-564-4444

When a Travel Warning or Advisory has been issued for a country that you are travelling to, it is important for you to be aware of the impact this may have on your Out-of-Canada Emergency Medical benefit with Travel Right
Although your coverage itself may be allowed, expenses incurred while travelling in a country (or specific region of a country) for which there is a Government of Canada travel warning to avoid all travel or non-essential travel, when such travel warning was issued before the departure date and the loss or expense is related to the reason for which the travel warning was issued; or participation in a criminal act or attempt to commit a criminal act, regardless of whether charges are laid or a conviction is obtained; insurrection, war (declared or not), the hostile action of the armed forces of any country or participation in any riot or civil commotion, may not be eligible for coverage depending on the nature of the claim. All other benefit exclusions apply

Emergency Assistance

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

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

Please have the following information ready:

1. Personal Information

1. Your name and Student ID
2. Your Policy Number 0091939000

2. 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

3. Medical Information

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

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

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 for more information

Before You Depart

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

Visa & Travel Letter Requests

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

J1 Visas

Applicants for a J1 Visa require specific levels of coverage in order to obtain the visa. We have provided an enhancement to the travel coverage to meet all requirements. If you are J1 visa applicant, please contact us at info@studentvip.ca and we can assist with upgrading your coverage

Frequently Asked Question

Have questions about your travel coverage, Download the FAQ Info sheet for some answers to commonly asked questions.

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

Coverage Maximum $1,000 to $2,500

Seat Belt Indemnity ($1,500)

Accidental Dental Expense ($2,500)

Funeral Expense ($2,500)

Hospital Indemnity ($2,500)

Coverage Maximum $5,000

Death, Accident

Death, Natural Causes

Death, Suicide

Bereavement Expense

Brain Death Indemnity

Cosmetic Disfigurement Indemnity

Day-Care Indemnity

Bereavement Expense

Tutorial Fees Expense (Education Indemnity)

Coverage Maximum $10,000

Accident Reimbursement Expense

Home Alteration and/or Vehicle Modification Expense

Coverage Maximum $15,000

Family Transportation Expense

Occupational Training Expense

Rehabilitation Expense

Coverage Maximum $20,000

Repatriation Expense

Coverage Maximum $50,000

Death, Accident

Brain Death Indemnity

Cosmetic Disfigurement Indemnity