Types of coverage:
TYPES OF COVERAGE WHO IS COVERED Notes
SINGLE COVERAGE Only you (student)
DEPENDENT COVERAGE  You and your spouse(or common-law partner) OR you and your dependent child
  1. Spouse - the person, of the opposite sex, or same sex, who is legally married to you.
  2. Common Law Partner - Designated by you and with whom you have been living on a permanent basis for at least 12 months (this period does not apply if a child is born of such union).
  3. At any given time, only one person may be registered as your spouse or common-law partner.
FAMILY COVERAGE You, your spouse(or common-law partner) and at least one dependent child OR you and more than one dependent child Dependent Child(ren) unmarried financially dependent child(ren), until they reach age 18.
  1. Contract year is defined as each McGill University academic year period from September 1 to August 31 of the following year, except for Exchange students.
  2. For exchange students, the coverage becomes effective on:
    1. August 15, for the Fall semester starting September 1.
    2. December 15, for the Winter semester starting January 1.
    3. April 15 for the Summer semester starting May 1
  3. Please visit the websites for Who is Covered, Activated Your Coverage, and Canadian Non-Residents for more information on the international health insurance.
  4. Details of the international Health Insurance plan are provided in the Medavie Blue Cross Handbook.