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Coverage is mandatory for all international students attending Saint Mary's University.
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This plan provides coverage for doctor visits, hospitalization, x-rays, lab tests, repatriation and more.
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If you have a pre-existing medical condition, coverage may be limited.
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If you need to see a doctor or nurse, please click on the button bellow for health care options.
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If you want to confirm eligibility of a service, you can complete a pre-determination form and submit to Medavie Blue Cross.
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Please download the My Peak mobile app for all of your health plan resources. For more information click on My Peak App.
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.
Understand Your Coverage
Know all benefits, limitations, and exclusions that apply.
Coverage valid in Canada only.
Medical Coverage
You have coverage for emergent and urgent medical care such as:
Going to the doctor if you are feeling sick or are injured
Visits to the Emergency Room
Hospitalization
Sexual Health Testing
This policy also includes coverage for lab tests such as blood work and diagnostic imaging such as x-rays, ultrasounds, MRI's and CT scans.
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.
Accidental Dental Coverage
Dental accidents 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.
Mental Health Coverage
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; sometimes you may need therapy and/or medication; and sometimes it can be 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 $60,000 (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.
Transportation
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
Supplemental Expenses for family (i.e. accommodation, food) $150/day up to $1,500 max
Family Travel to your bedside (if you are hospitalized for more than 7 days) - $5,000 for airfare for 2 immediate family members.
Please view your International Health Policy for more information. You may contact your insurance provider for full details including limitations and exclusions.
Pregnancy & Maternity
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 (Medical Abortion) – 1 per policy year
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.
Travel Coverage
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 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.
Please view your International Health Policy for more information. You may contact your insurance provider for full details including limitations and exclusions.
General 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-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.
Pre-Determination Form
Please view your International Health Policy for more information. You may contact your insurance provider for full details including limitations and exclusions.
Other
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
Top 5 Things you Should Know
NOTE: These details are a summary only. Please refer to the policy for full details including limitations and exclusions.
Coverage Questions
If you have questions about your coverage, you can contact two offices for assistance: