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Am I Covered



Eligibility Criteria

The health and dental plans were approved by student referendum and as a result is now a requirement of your enrolment at the University of Guelph through your membership in the Central Student Association or Graduate Students' Association. The plan provides protection and security for eligible students minimizing the affects of injury or ailments. The cost of the plan is included in your institutional fees provided you meet the eligibility enrolment criteria:

1) are a part-time or full-time member of the Central Student Association or a full-time member of the Graduate Students' Association,
2) are in an applicable program, and
3) are residing in Canada

* International students who studied at home in 2020/2021 please click here for details for submitting eligible claims.

If you are unsure about whether or not you qualify, you can refer to your academic calendar or check at the University of Guelph CSA & GSA Student Benefits Plan Office.

IMPORTANT - May start students are not automatically assessed or enrolled in the Student Dental Plan. In order to be covered under the Student Dental Plan you must opt in and pay the fee via the Benefit Plan Office prior to the applicable spring deadline.

Do you need individual insurance? If you are not eligible for the student plan there are personal insurance solutions available. Click here to learn more.

Coverage Period

For eligible students starting in the fall semester, coverage begins September 1st and ends August 31st. For eligible students starting in the winter semester, coverage begins January 1st and ends August 31st. For eligible students starting in the May semester, coverage begins May 1st and ends August 31st, with the exception of exchange students who will pay and receive coverage for one semester at a time.

IMPORTANT - May start students are not automatically assessed or enrolled in the Student Dental Plan. In order to be covered under the Student Dental Plan you must opt in and pay the fee via the Benefit Plan Office prior to the applicable spring deadline.

New eligible students who start in September will be automatically enrolled in both the Health and Dental Plans by mid to late October (approximately 45 days from the start date of their program). Please keep your receipts for eligible expenses incurred during this time period for submission to the insurance carrier upon completion of the enrolment process.

Returning eligible students may continue to access the health and dental plan without disruption by using their current myBenefits Card or by submitting reimbursement claims directly to the insurance carrier.

Family Coverage

Each year, you are given one opportunity to purchase family coverage for your spouse and/or dependent(s) by completing an application form at the Student Benefits Plan Office and paying the family coverage fee. All family add-on forms and applicable fees must be received by the applicable deadline for the semester period of enrolment. Your family can only be covered while you are a student on the plan(s).

Below is important information about Family Coverage with your student health & dental plans.
  • To be include your family member(s) must meet the definition of spouse or dependent as outlined below.
  • Your family can only be covered while you are on the plan.
  • The add-on fees are in addition to the student health and dental fee.
  • Add-on fee amounts available by contacting Support.
  • Add-on fee amounts are subject to change.
  • Your optional family add-on is not automatically renewed.
  • In order for your family add on to continue, you must purchase the coverage each benefit year before the applicable deadline.
  • Family Add-on Fees are non-refundable.
Spouse means the person who is a resident of Canada, and who is married to the student, or a person of either sex who has continuously co-habitated with the student for a period of at least one year and who is publicly represented as the student's wife or husband.

Dependent means an unmarried child who is a resident of Canada, and entirely dependent on the student for maintenance and support, and who is:
1) under 21 years of age,
2) under 25 years of age and attending a college or university full-time, or
3) physically or mentally incapable of self-support and became incapable to that extent while entirely dependent on the student for maintenance and support and while eligible under 1) or 2) above.

To add family coverage to your Student Health and Dental plan submit the completed Family Add On Form, along with the required fees to the Benefits Plan Office, before the established deadline.

Do you need insurance for your family members? If you have missed the enrolment period to add family to the student plan or are looking for other coverage for your family, there are personal insurance solutions available. Click here to learn more.

International Students

Are eligible for coverage through the University of Guelph CSA & GSA Benefits Plan, unless you are a part-time Graduate Student. If you are an international student and are not sure if you qualify for coverage, please visit the Benefit Plan Office for assistance.

Purchase Optional Coverage

Should your insurance coverage needs fall outside of what is provided through your Student Health & Dental plan, mystudentplan.ca provides the following optional insurance programs:

Follow-me Plan: This program will fit the needs of students who are no longer eligible for coverage through the Student Plan. Whether you are graduating, changing your enrolment status, or simply leaving school the Follow-me plan has no insurability requirements and provides various levels of coverage at cost effective rates.

Find out more about your Follow-me coverage options

Flex-Care Individual Insurance: This program is available to students who are not eligible for coverage provided through the Student Benefit Plan or for family members who require coverage and are not eligible through the Family Add On option under the Student Plan. With the Flex-Care Individual Insurance you can investigate your individual coverage options.

Find out more about your Flex-Care Individual Insurance options

Travel Insurance: This program is available to anyone who will be travelling outside of Canada and does not have travel benefits provided through the Student Plan and would like to purchase travel coverage for themselves and/or family members.

Find out more about your Travel Insurance options

Coordination of Benefits

How to Get 100% Coverage

Use More Than One Plan to Maximize Your Coverage!

Do you have more than one benefit plan? Student Plan, Parent's Plan, Employer Plan or Spouse's Plan?
If so, those plans can work together to make sure you're getting the most out of your coverage.
One plan becomes your primary plan. It pays your claims first. Then the second plan pays toward the remaining cost.

Students who have health or dental coverage through their school: these plans will always pay before any plan where the student is covered as a dependent.

Example:
A student has health coverage through the university plan, but is also still eligible under a parent's plan as a dependent. Therefore - the school plan pays first.


This process is called coordination of benefits and it's easy to do!

IMPORTANT – Take a copy of your original receipt before you send it to your primary plan as you will need to send a copy to the secondary plan.

Submitting Claims For Yourself:
Submit the claim to your Student Plan first (this is your primary benefit plan).
Next, an unpaid portion can be submitted to your Parent's Plan, Employer Plan or Spouse's Plan (this is your secondary plan).

If you have more than one plan where you are the primary insured (Student Plan and Employer Plan) your primary plan is the one you have had the longest. Submit the claim to the plan you have had the longest (this is your primary benefit plan). Next, an unpaid portion can be submitted to the plan you have had the second longest (this is your secondary plan).



Submitting Claims for Your Spouse (if applicable):
Submit the claim to your spouse's plan first (this is their primary benefit plan).
Next, an unpaid portion can be submitted to your Student Plan (this is their secondary plan).


Submitting Claims for a Dependent Child (if applicable):
Submit the claim to the parent's plan whose birthday falls first in the year (this is their primary benefit plan).
Next, an unpaid portion can be submitted the parent's plan whose birthday falls second in the year (this is their secondary plan).



ALWAYS REMEMBER!
Include a copy of the Explanation of Benefits statement received from the first claim submission (primary plan), as well as a photocopy of the originally submitted receipt when you submit to your secondary plan.