Medical Coverage

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.

Repatriation

The International Health plan also includes coverage for various transportation needs including:

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
 

NOTE: Please view your International Health Policy for more information. You may contact your insurance provider for full details including limitations and exclusions.

Travel Coverage

Your plan includes travel coverage across the globe!

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
 

You do not need to let Student VIP 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.

Pregnancy & Maternity

The International Health 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 (Medical Abortion) – 1 per policy year

NOTE: Please view your International Health Policy for more information. You may contact your insurance provider for full details including limitations and exclusions.

*Charges for expenses incurred resulting from the pregnancy of a Participant commenced during the Policy Year (or within 30 days from it beginning), for a maximum period of 6 months following the birth of the child.

*Eligibility for coverage under this category is based upon the conception date of the pregnancy, whether known or unknown to the Participant, and only when coverage has been in force for the entire term of the pregnancy.

General Exclusions

While the International Health 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-party 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.

NOTE: Please view your International Health Policy for more information. You may contact your insurance provider for full details including limitations and exclusions.

Coverage Questions

If you have questions about your coverage, you can contact Student VIP, the DCSA Health Plan Office and/or Medavie Blue Cross