The details below are a summary of benefits, limitations, and exclusions that apply.
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Full benefit details can be found in the Benefit Booklet on the Simply Benefits App or Portal.
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In the event of a discrepancy between the website and the benefit booklet, the benefit booklet will be taken as true.
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The termination age for the SOGS Health & Dental Benefits is 70.
Drug, Extended Health, Vision and Dental coverage is valid in Canada only. Travel coverage is valid worldwide. Please review your policy for full details.
IMPORTANT: Intentional misuse of your student benefits including falsifying documents such as receipts and invoices and submission of fraudulent claims will result in immediate termination of benefits, repayment and in most cases, reporting to authorities and legal action.
Understand Your Coverage
Know all benefits, limitations, and exclusions that apply.
Coverage valid in Canada only.
Policy Year: September 1, 2024 - August 31, 2025.
Drug Coverage - 80% Coverage
Overall Drug Maximum $3,500/Benefit Year
All Other Pharmacies
80% Coverage for Generic Drugs and Brand Name Drugs*
Dispensing Fee: 100% Up to Any Amount
Rexall + Telus
80% Coverage for Generic Drugs and Brand Name Drugs
Dispensing Fee: 100% Up to Any Amount
Drug Benefits also Include:
Vaccines**
Fertility Drugs (50% coinsurance / $1,500 lifetime max.)
Drug Benefits do NOT Include:
✔ All forms of Cannabis
✔ Hair Growth Stimulants
✔ Varicose vein injections
✔ Smoking Cessation Aids/Remedies
✔ Anti-Obesity drugs/Products
✔ Erectile Dysfunction Drugs
Brand-Name Medications
Your Plan will cover the cost of the generic version of your medication. If you are on a brand-name medication that cannot be changed, you can submit a note from your doctor indicating the need for your brand-name drug. The letter must include the below details or your request will be delayed.
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Patient Name
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Medical Practitioner Name & Contact Info
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Medication Name/DIN
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Dosage
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Details to support the need for the brand name medication versus a generic substitution
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Date the note is written
*Special authorizations: Some medications require special authorization for coverage through the plan. Please contact Simply Benefits and they will be able to provide assistance regarding your coverage eligibility.
**Vaccinations must be administered by a licensed retail pharmacy to be eligible for coverage.
NOTE: Only those drugs which legally require a prescription and are eligible under your benefits will be covered.
Dental Coverage
50% Coverage, up to an Annual Combined Maximum of $500/ benefit year
Preventative Services: Exams, Cleanings, X-Rays
Extractions: Extraction of Impacted Teeth
Basic Services: Fillings, Endodontics, Periodontics
*Limitations and Exclusions may apply. Reimbursement based on Current Dental Fee Guide. Note that specialist fees will be paid at General Practitioner rates.
Extended Health Coverage
Practitioner Coverage - 70% Coverage
$500 Annual Maximum
Acupuncturists
Chiropractors
Dietitians
Speech Therapists
Practitioner Coverage - 70% Coverage
$500 Annual Maximum
Naturopaths
Osteopaths/Chiropodists/Podiatrists (Combined)
Physiotherapists
Psychologists/Psychotherapists/Social Worker (Registered Clinical Counsellors) (Combined)*
*Practitioners are required to be registered in the province they are practicing in and be in good standing with their respective association or college to be considered for eligibility under the plan.
Hospitalization - 100% Coverage
Hospital Room (Semi-Private Accommodation) (In Province)
Other Medical Coverage
70% Coverage, coverage is to maximum indicated, unless otherwise stated
Ambulance to Nearest Treating Hospital (Reasonable & Customary)
Cardiac Rehabilitation ($500/Benefit Year)
Glucose Monitoring Systems ($4,000/Benefit Year)*
Hearing Aids ($300/60 Consecutive Months)
Insulin Pumps ($5,000/5 Benefit Years)
Insulin Pumps Supplies ($3,500/Benefit Year)
Orthotics (Inserts) and Orthotics (Shoes) ($300/Benefit Year)**
Private Duty Nursing ($5,000/Benefit Year)
*Glucose monitoring systems and diabetic supplies are not subject to the Overall Benefit Maximum.
*Includes sensors, receivers & transmitters - patient must be insulin dependent Type 1 diabetic supported by a physician's prescription.
*Students must pay for the service upfront and then submit a claim for reimbursement, as direct billing is not available.
**Custom-made foot orthotics must be dispensed by an orthotist, pedorthotist, podiatrist, chiropodist, or chiropractor to be eligible for coverage under this Health Benefit.
Travel Coverage - Policy #9429934
180 Days of Coverage
Trip Cancellation/Interruption Benefits
100% Coverage
$10,000 Combined Limit
Trip Cancellation: $5,000
Repatriation of mortal remains (maximum $7,500)
Trip Interruption: $5,000
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Pre-Paid Expenses
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Transportation Expenses
Trip Interruption: $250 per day
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Meals & Accomodation
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.
This insurance does not cover any loos or expense related in whole or in part, directly or indirectly, to pre-existing conditions of an insured person, travel companion, immediate family member or key employee.
Baggage and Personal Effects Benefits
100% Coverage
$2,000 per family per Trip
$250 Deductible Applies
Loss of or Damage to Baggage and Personal Effects: $500 per trip subject to a maximum of $500 for any one item or set of items
Delay of Baggage and Personal Effects: $400 towards the replacement of the necessary toiletries and clothing
Prescription Replacement Service: $200 for the replacement of medically necessary prescription drugs that are lost, stolen or damaged.
Replacement of Travel Document: $200 towards the replacement of one or more of the Insured Person driver's license, passport, birth certificate or travel visa
Emergency Medical Services
Up to $2,000,000 lifetime maximum
Medical Expenses including physician, surgeon and specialists
Emergency Room and Hospital Expenses
Repatriation
Accident Coverage
Please email info@studentvip.ca for any claims regarding Accident Coverage.
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 $2,000 to $3,000
Accidental Dental Expense ($2,000)
Funeral Expense ($2,500)
Hospital Indemnity ($2,500)
Seat-Belt Indemnity ($3,000)
Coverage Maximum $5,000
Bereavement Expense
Day-Care Indemnity
Tutorial Fees Expense (Education Indemnity)
Coverage Maximum $10,000
Accident Reimbursement Expense
Brain Death Indemnity
Cosmetic Disfigurement Indemnity
Home Alteration and/or Vehicle Modification Expense
Death, Accident
Death, Natural Causes
Death, Suicide
Coverage Maximum $15,000
Family Transportation Expense
Occupational Training Expense
Rehabilitation Expense
Coverage Maximum $20,000 to 50,000
Repatriation Expense ($20,000)
Identification Expense ($50,000)
Accident Policy Brochure
VIP Preferred Provider PLUS+
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.
Check the coverage details of your plan and please contact the provider to confirm discount details before booking.
Preferred Provider
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.