Before reviewing the information below, please see ISS' COVID-19 FAQs and resources pages for up to date information on the impact of COVID-19 on immigration related matters.
By Senate regulation, dependents of international students are required to participate in the University's International Health Insurance plan if they are in Canada.
If you ever need to extend your CAQ or study permit throughout your studies, you may be asked to provide immigration authorities with proof that you and your dependent are covered under an adequate health insurance plan.
Access Minerva ⇒ Student⇒ International Student Health Insurance Coverage Form and select Add Dependents from the drop-down menu.
If you have already confirmed your coverage on Minerva, you must send your request international.health [at] mcgill.ca (by email )and include the full name, date of birth, gender and citizenship of your dependent. Once your dependent has been added to your plan you will receive a confirmation email and there will be a premium adjustment to your contract.
To include your dependent(s), you must do so when they arrive in Canada. Please note that we cannot retroactively add dependent(s) to your IHI plan for previous terms.
|Example #1: if you add your spouse to your plan on October 1st, your contract will change from an annual SINGLE coverage to an annual DEPENDENT coverage within 8 business days upon adding your dependent. You will see a refund of an annual SINGLE coverage premium and a charge of an annual DEPENDENT coverage premium in your student fee account within 8 business days.||Example #2: if you confirmed your SINGLE coverage contract in the fall term, then you add your spouse and child on February 1st, your premium will change from SINGLE to FAMILY for winter & summer terms. You will obtain a refund of two-term SINGLE coverage for winter & summer terms and a charge of two-term FAMILY coverage for winter & summer terms in your student fee account within 8 business days|
|TYPES OF COVERAGE||WHO'S COVERED|
|SINGLE COVERAGE||Only you (student)|
|DEPENDENT COVERAGE||You and your spouse* OR you and your dependent** child||
*Spouse - the person, of the opposite sex, or same sex, who is:
**Dependent Child(ren) unmarried financially dependent child(ren), until they reach age 18.
|FAMILY COVERAGE||You, your spouse and at least one dependent child OR you and more than one dependent child|
- Visit our Rates Page to inquire about the costs of adding dependents for your coverage year.
•If a dependent arrives in Canada/joins the plan between 15th of either August*, December or April and before the 1st of either September, January or May – dependent’s coverage begins on the 15th of either August*(for the fall term), December(for the winter term) or April(for the summer term);
*Note for the Fall 2021 term: Exceptionally for Fall 2021, dependent coverage will begin on August 1st 2021 if the student and/or their dependent arrive in Canada prior to September 1st.
•If a dependent arrives in Canada/joins the plan after the 1st of September, January or May – the dependent’s coverage begins on the 1st September, January or May of a given semester.
You have 30 days from the date of birth of your child add your child to your plan in order to change your coverage according to your new situation. The hospital will bill Medavie Blue Cross insurance provider for mother and baby-related expenses within 30 days window.
• If you initially chose the single coverage, your contract will change to dependent coverage with a premium adjustment. (For example, if your child is born on October 1st, your contract will change from an annual SINGLE coverage to an annual DEPENDENT coverage. In your student fee account, you will see a refund of an annual SINGLE coverage premium and a charge of an annual DEPENDENT coverage premium within 8 business days upon adding your dependent).
• If you initially chose dependent coverage for you and your spouse, your contract will change to family coverage with a premium adjustment. (For example, if your child is born on October 1st, your contract will change from an annual DEPENDENT coverage to an annual FAMILY coverage. In your student fee account, you will see a refund of an annual DEPENDENT coverage premium and a charge of an annual FAMILY coverage premium within 8 business days upon adding your dependent).
Please email international.health [at] mcgill.ca to add your newborn to your IHI plan. Please include their birthdate, first name, last name and gender.
Refer here for IHI premium rates.
NOTE: Cancellation of coverage for dependents can only be done in the first 30 days of each new semester. Such request must be in writing (international.health [at] mcgill.ca) and will be evaluated on a case by case basis.