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.

Mental Health Coverage

No matter what your mental health journey looks like, you have coverage through your plan to support your mental health care.

Psychologist/ Psychiatrist/ Psychotherapist- $10,000 lifetime

Social Worker- $500 policy year

NOTE: These details are a summary only. Please refer to the policy for full details including limitations and exclusions. Click here to view your International Health Plan Policy

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 $125 per policy year

Repatriation (you are sick and must return home permanently) – up to $20,000

Air Evacuation - $300,000 per policy year

NOTE: These details are a summary only. Please refer to the policy for full details including limitations and exclusions. Click here to view your International Health Plan Policy

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

NOTE: These details are a summary only. Please refer to the policy for full details including limitations and exclusions. Click here to view your International Health Plan Policy

*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

Outside Canada – Worldwide including US – school & leisure

Home Country – school related activity only

Travel outside Canada (other than to home country) is covered subject to the following conditions:

(a) More than 50% of the total coverage period must be spent in Canada

(b) Travel to the US is limited to 30 days per trip Expenses will not be paid when incurred in home country except where the trip to home country is expressly taken in order to participate in a school organized sporting or extra-curricular event 100%

You do not need to let studentVIP know when you are travelling.

Please ensure you have your Health Plan Card with you when you travel in case you need to contact emergency assistance or seek medical help.

NOTE: These details are a summary only. Please refer to the policy for full details including limitations and exclusions. Click here to view your International Health Plan Policy

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-part 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: These details are a summary only. Please refer to the policy for full details including limitations and exclusions.

Virtual Health Clinic

Use the Virtual Health Clinic to have a medical appointment by video with a Canadian medical provider, 24/7. Our medical providers are available day or night to help you with your medical concerns, prescribe medication, refer you to a specialist, and even refer you for blood work and x-rays!

The Virtual Health Clinic can help with over 500 medical issues including:

Ear Infections (Sore Ear)

Sore Throat

Stomach Issues

Fever

Back Pain

Bug Bites

Cough

Cold & Flu

Headaches

How to see a doctor or nurse:

Fill out your details to create an account

When the Health Insurance question appears, select "My Plan isn't listed/skip this step"

You will be able to select a provider of your choice

Complete the visit details

The provider will appear by video to start your appointment

NOTE: If you are on a mobile phone, you will be directed to download the mobile app and you must use the Service Key: ACCSA and select 'My Insurance is not listed' when creating your account.

Coverage Questions