Insurance

On this page:
Important information for Canadian students |
Undergraduate Supplemental Insurance Plans (SSMU or MCSS) | Graduate Supplemental Insurance Plan (PGSS) | McGill’s International Student Health Insurance Plan (IHI) | MACES Health and Dental Plan (Continuing Studies)


Important information for Canadian students

Canadian students from outside the province of Quebec should check with their own provincial Medicare office to ensure the validity of their health coverage while studying at McGill.

If you are a recent permanent resident of Canada or a Canadian citizen who has been living abroad, you may not be eligible for provincial health insurance coverage, or you may have to wait for three months after your arrival to qualify. To ensure adequate health insurance coverage, you should enroll in the group plan offered through International Student Services.

Students without valid Canadian Medicare should refer to McGill’s International Health Insurance Plan section below or visit the International Student Services insurance site. If a Canadian student chooses to opt-in to the University’s plan, they will still be charged the supplemental health and dental portions of their respective student society’s insurance plan. Students may wish to stay enrolled in the supplemental health plan as there are extended benefits which may be of interest. Students, who opt-out of the supplemental health plan, cannot join this plan until the next academic year. Students should evaluate their own situation prior to making a decision to opt-out.

Students must have either valid provincial healthcare or an equivalent plan (such as McGill’s International Health Insurance Plan) in order to use any supplemental health plans offered through their student society.

Undergraduate Supplemental Insurance Plans (SSMU or MCSS)

Canadian undergraduate students registered in a Fall* semester are automatically covered by their respective society's Supplemental Health and Dental Plan (SSMU or MCSS). The cost of these plans in 2020-21 is as follows:

  • Students' Society of McGill University (SSMU) - $345.00
  • Macdonald Campus Students' Society (MCSS) - $262.97

International students are enrolled in the dental insurance plan and are required to pay the following premiums:

  • Students' Society of McGill University (SSMU) - $150.00
  • Macdonald Campus Students' Society (MCSS) - $163.55

* Students entering the University in the Winter semester are not automatically covered by their society's Supplemental Health and Dental Plan, and must opt-in if they wish to have coverage. For more information please refer to the appropriate society's Health and Dental Plan brochure found in the Forms and Documents section of our site.

For details on what is covered by the plan, as well as opt-out procedures and deadlines, please refer to the information contained at www.studentcare.ca .

Graduate Supplemental Insurance Plan (PGSS)

CCanadian graduate students registered in a full-time or additional session/non-thesis extension term, as well as all students in a thesis evaluation term or who are Post-doctoral candidates* who enroll on or before September 29, 2020, are automatically covered by their society's Supplemental Health and Dental Plan (PGSS). The PGSS insurance plan is a two-tiered system where students are able to choose between an Enhanced and a Basic Health and Dental plan. Students are automatically covered by the Enhanced plan but may choose to either opt for the Basic plan (Health or Dental with lower coverage at a lower cost) or opt-out entirely, this allows for 9 possible coverage combinations. In 2020–2021, the cost of these plan options is outlined below. Eligible students not charged automatically for insurance fees can choose to enroll themselves during the appropriate Change-of-Coverage period. For more information on what is covered by this plan, as well as enrolment, opt-out procedures, and deadlines, please refer to the information contained at www.studentcare.ca towards mid-August.

Eligible international students are automatically enrolled in the Enhanced Dental insurance plan and can choose to opt for the Basic plan or opt-out entirely.

The premiums for 2020-2021** are as follows (for single coverage):

  • Enhanced Health Plan: $375.00
  • Basic Health Plan: $325.00
  • Enhanced Dental Plan: $200.00
  • Basic Dental Plan: $150.00

*Post-docs who are unionized are not subject to PGSS fees. If you are unsure of your Post-doc status and whether you are a PGSS member please refer to the GPS website at https://www.mcgill.ca/gps/.

**Subject to confirmation from Studentcare by June 2020.

MACES Health and Dental Plan (Continuing Studies)

All Canadian citizens and permanent residents registered in a minimum of one 3 credit course are automatically enrolled in the MACES Health & Dental Plan. The plan is designed to complement existing provincial Medicare or international health insurance plan to provide for services needed by students that are currently not covered.  These include vision care, prescriptions, dental care, travel health coverage, and diagnostic services. In 2020–2021, the cost of this plan is $275 (single coverage).

International students are automatically registered for the Blue Cross International Student Health plan upon registration to McGill. This plan is administered by International Student Services. International students are registered only for the MACES Dental Plan, not for the Health and Vision Plan and are charged $145 for the year.

The MACES Health & Dental Plan is administered by the Quebec Student Health Alliance. More comprehensive information on exact policy coverage can be found at the ASEQ website www.studentcare.ca or by calling (514) 844-4423.  For more information on enrolment in the plan including extension of coverage to dependents, opt-out procedures, and deadlines, please refer to the information on this plan at www.studentcare.ca in August.   Brochures are also always available at the MACES building. 

McGill’s International Student Health Insurance Plan (IHI)

By McGill Senate regulation, ALL students who do not have Canadian citizenship or Permanent Resident status, as well as their accompanying dependents, must participate in a compulsory health insurance plan administered by the University. This policy applies as well to students who may be exempt from international fees. For more information, visit the International Student Services insurance site.The Medavie Blue Cross premium rates for 2020-2021 are:

  • Single: $1,128
  • Dependent: $3,456
  • Family: $6,567

All International students registered as of August 14, 2020 (midnight) will be billed in August (due August 31st) for the International Health Insurance (IHI).Exceptionally this year and as part of the COVID-19 adapted measures, international students may request an adjustment on a portion of the annual premium for the period they will not be in Canada as result of remote learning. You may request this adjustment upon your arrival to Canada.

All IHI contracts will be activated and shared with Medavie Blue Cross in early September 2020 to ensure that you have the security of an active IHI contract as soon as you arrive in Canada.

Upon your arrival in Canada, you may request a partial premium adjustment. Adjustments will be processed within 30 days of the request date and on a pro-rated monthly basis.

Please refer to the International Student Services website for more information.

Students who are eligible for alternative exemptions or who are interested in adding their dependents, may do so between August 1st and August 31st on Minerva (Minerva -> Student -> International Student Health Insurance Coverage Form)(December 1st for the Winter term).

Exemptions must be requested no later than the deadlines indicated in the second column in table below, in order to avoid interest on the health insurance charge.As part of the COVID-19 adapted measures, interest on unpaid IHI fees for the Fall 2020 semester will be deferred until December 31st 2020. Exemption categories and procedures can be found on International Student Services insurance site.  Please note that some exemptions may be valid for one year only and would need to be renewed annually.  Late exemption requests will only be applied for the following term(s).

 

Minerva form opens for confirmation of coverage/exemption request

Deadline to request exemption in Minerva without incurring interest on IHI fee

Deadline to request an exemption online and submit supporting exemption documents

Fall

August 1

August 31

September 30

Winter

December 1

January 6

January 31

Summer

April 1

April 28

May 31

In general, the policy provides coverage similar to that of Québec Hospitalization and Québec Medicare. Students should note that maternity benefits are restricted.

All inquiries concerning the International Student Health Insurance plan should be directed to:

Email: international.health [at] mcgill.ca (International Health)

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