StudentVIP.ca

Your Coverage

Key Highlights

Coverage is mandatory for all international students attending Rothesay Netherwood School.
This plan provides coverage for doctor visits, hospitalization, x-rays, lab tests, repatriation and more.
If you wish to seek medical care through the Virtual Health Clinic, please click here .
If you need assistance locating a provider, you can find information on the Cowan Provider Network.

IMPORTANT: Accidental / Emergent Dental benefit claims are covered at a dental office provided that the dentist provides supporting documentation that care was received due to an accident or emergency. If this documentation is not received at time of claim there will be delays with processing as we wait for this information to be made available.

INTERNATIONAL HEALTH PLAN

COVERAGE QUESTIONS?

International Students in Canada need Health Insurance

All international students studying at Rothesay Netherwood School are required to have health insurance. You are automatically enrolled in the Health Plan.

Health care is expensive! A hospital room can cost as much as $4,000 per day - not including the cost of medical care, prescription medications, test, x-rays, etc.!

Emergency Medical Coverage Including but not limited to:

Doctors' Visits
Diagnostic Tests (blood work, x-rays)
Emergency Hospitalization
Emergency Surgery
Emergency Transportation- Ambulance
Vaccinations* (Travel vaccines are not eligible for coverage unless you require it for a school course. In order to review the claim for eligibility please include supporting documentation that your course required the vaccine.)
Travel Coverage (Please review your policy before you travel!)
Psychology and Psychiatry Counselling Services (no coverage for Psychoeducational Assessments)
Maternity Expenses* (Please consult the policy for more details)

...and much more!

General Exclusions

While the medical & wellness plan is very inclusive, there are things that are not covered by the insurance.

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
Over-the-counter medications, dietary supplements and health & beauty aids
Services, treatment or supplies that are:

not Medically Necessary;
for cosmetic purposes only;
elective in nature; or
experimental or investigative.

Please view your International Student Medical & Wellness Policy for more information. You may contact your insurance provider for full details including limitations and exclusions.

For questions regarding what is covered under your plan contact Cowan Insurance Group directly.

Cowan Insurance Group Telephone Number: 1-888-509-7797

Cowan Insurance Group Email: ISHP@cowangroup.ca

If you are travelling and require assistance, please contact Cigna Envoy’s 24/7 assistance team at 1-800-243-1348.