Menumenu button


Change my Coverage 

When considering opting-out of your coverage, keep in mind the following:

  1. myvirtualdoctor-new virtual health care service is included in your health plan until August 31, 2023. Upon a successful referendum, February 7 – 10th, beginning September 1, 2023 the myvirtualdoctor service will no longer be included in the health plan and will be a standalone service. If you opt-out of the health plan you will not have access to this service now or after September 1, 2023 as a standalone service.
  2. What is in the best interest of my overall health and well-being?
  3. Does my existing coverage meet all the needs that I may have?
  4. A parent's insurance plan will stop covering you completely if you’re a part-time student over 21 or a full-time student over the age of 25. Proof of enrolment will be required.
  5. In order to cover all of your needs you can combine your student Health Plan with another plan for up to 100% coverage. To get more information about claiming and coordinating your benefits with another plan, read through the “Benefits Plan Claims” link here.

Already have coverage?

Coordinating multiple plans: If you are an eligible student and have comparable coverage you may wish to coordinate your plans. Benefits under the two plans can be coordinated to increase your coverage up to 100% of the actual expense(s) incurred. For example, following payment under this plan you can submit outstanding balances to the other plan for consideration. Find out more about coordination of benefits.

Opting Out of coverage: If you are an eligible student and have comparable health coverage you may apply to opt-out of the plan(s). Each student is given one opportunity to opt-out of the health and/or dental plan(s) each year. All opt-out forms must be completed online and must be received by the applicable deadline. If you have used the health or dental plan, you will not be able to opt-out. You will not be able to opt-out of coverage at any other point during the school year. NO EXCEPTIONS will be made if the deadline is missed. It is the students responsibility to pay the plan fees, should they miss the applicable opt-out deadline.


Extended Health Coverage – Proof of Required (OHIP/UHIP ARE NOT SUFFICIENT TO OPT OUT). You are required to provide proof of your comparable extended health coverage by attaching documentation displaying the policy information you first entered after clicking 'YES' to opt-out of the health plan in the Opt-out Form. 

Confirmation of coverage must show the name of the insurance company providing the coverage and the policy number. Acceptable forms of confirmation of coverage are:

  • Copy of a benefits card (front and back images)
  • Confirmation letter from the employer or insurance company with a current date
  • Recent health care claim statement with a current date (within 3 months of application submission).
  • Webpage print out with a visible current date

Please note: To be considered a comparable health plan, the alternate coverage must include prescriptions, vision, paramedical practitioners, counselling, and more.
*If you upload any dental, Life, or AD&D insurance documents as proof, the opt-out request will be denied, and a new form must be submitted before the deadline providing the required proof.

Approval of your opt-out will result in the fee being credited to your Western tuition account after the deadline passes. Once your opt-out has been accepted, it will remain in force for that benefit year only.
You must fill out an Opt-out Request form each academic/benefit year.

If you are unsure about whether or not you are eligible for the Student Health and Dental plan, please contact the Campus Administrator prior to any applicable deadlines.

Please read and agree to the Terms & Conditions prior to submitting your online opt-out.

Student Information

Date of Birth
Phone Number
Program Start Date

Are you a new start student?


Service Members

Find a Practitioner/Pharmacy