ISS is available virtually and in-person Mondays-Fridays during business hours.

Exceptionally, our phonelines will be open from 10am-1pm on Friday, March 14, 2025.听

IHI FAQs

IHI Coverage

1. Am I eligible for the International Health Insurance (IHI) plan while I am on a Leave of Absence (LOA)?

Yes, if you remain in Canada during your LOA, you must be covered by health insurance. You can opt-in to the International Health Insurance (IHI) plan while on an LOA. Please, contact us through the .

2. I am arriving in Canada before the beginning of my first term, can I opt-in into 缅北强奸鈥檚 International Health Insurance (IHI) plan?

Yes: New students getprior to the start of their first term at 缅北强奸. To obtain the complimentary coverage please activate your IHI coverage on Minerva.

3. If I arrive in Canada early, can I purchase private health insurance coverage?

If you are an international student and/or your dependents who is/are arriving in Canada more than 2 weeks before the start of your first term and require health insurance coverage, you may purchase a plan for visitors. This plan can be purchased from Quebec Blue Cross. For more information and to purchase this plan, please review 听.

4. I am coming to Canada with my dependents, when do I add them to my plan?

You may add your dependents upon arrival in Canada by contacting .

5. I am a first-year international student and my spouse is pregnant. Will the Dependent coverage plan cover any maternity expenses once we arrive in Canada?

Yes, but coverage is limited.听If you or your spouse were not insured by the Medavie Blue Cross International Health Insurance plan or听by a similar benefit from a group insurance plan offered by a recognized听Canadian educational institution听during the previous academic year,听maternity benefits听-听including delivery听-听are insured if normal delivery takes place during the听first 30 weeks following initial registration in the plan up to a maximum听of $20,000.听Please be aware that medical and hospital costs are extremely high for non-residents of Canada and financial plans should be made prior to your arrival to Canada.

6.Is pregnancy covered under the international health insurance plan?

YES. Most prenatal-related expenses and delivery, including midwife services, are covered under the international health insurance plan if the normal delivery takes place after the first 30 weeks of the initial registration to the international health insurance plan. For more details on the coverage related to pregnancy, please refer to page 10听of the听Medavie Blue Cross Handbook.

Please take note it become common practice in Quebec that hospitals, clinics and birthing center to request upfront fees for maternity care and deposit for delivery.

7.I have a pre-existing condition, are there any limitations to the insurance coverage that I should be aware of?

YES. Any expenses directly or indirectly related to a pre-existing condition are payable to a lifetime maximum of $20,000 for each pre-existing condition. Please refer to the听Medavie Blue Cross Handbook听page 6听for more details.

8.Are international students covered by a dental plan?

Yes, undergraduate international students are automatically covered by the听听or, for students enrolled in a program at the Macdonald Campus, the听. Graduate international students have the听. Students wishing to opt out of the dental plan may do so at听. International Student Services is not involved in the administration of Student Societies dental plans.听Please note that exchange students are听not听eligible to opt-in to 缅北强奸's听dental plan.

9. Is there a co-payment or deductible amount that students have to pay?

Medavie Blue Cross (insurance company) reimburses students鈥� medical expenses according to the Quebec rate meaning that if you use a 鈥減ublic鈥� hospital or the Student Wellness Hub, Medavie Blue Cross will reimburse that expense according to the Quebec rate. If you go to a private clinic or off-campus clinic the rates tend to be higher than what a 鈥減ublic鈥� institution would charge therefore you will not get full reimbursement for your medical expenses. We recommend always checking your coverage limitations with the Medavie Blue Cross insurance provider before setting up your visit at an off-campus clinic. Medavie Blue Cross customer service can be reached at鈥�1-888-873-9200.

Please note, that hospitals in the Montreal area and the Student Wellness Hub invoice Medavie Blue Cross directly.

10. My doctor advised me that I will need minor surgery, is there anything I should be aware of before the surgery takes place?

YES. A pre-authorization is mandatory in order to confirm coverage and validate the terms of payment. A听Pre-Authorization Request form听must be filled out听prior听to any planned hospitalizations or surgeries and sent to Medavie Blue Cross. Failure to submit this form will automatically result in a denial of the claim.

11. I am a Canadian citizen but I have been living abroad. Is it mandatory for me to obtain International Health Insurance? Can I opt-in if I choose to?

If you are a Canadian citizen you do not need to be covered by the International Health Insurance plan, regardless of your place of residence.

However, non-resident Canadian students who are not eligible for a Canadian health plan and have no insurance coverage or whose private insurance is not sufficient, have the听option听of enrolling on 缅北强奸's International Student Health Insurance Plan. To do so, they must complete an online registration form听no later than听September 30听(Fall Term) or听January 30听(Winter Term) or May 31 (Summer term).

12. Why do I need to be covered during the summer term if I am not registered in any classes? (undergraduate student)

It is a requirement from Immigration Quebec that all international students maintain health and hospitalization insurance in Quebec听during the entire validity period of your CAQ. All undergraduate students maintain active student status during the summer term, regardless of whether they are registered in courses or not during the summer term.

13. What is the deadline to submit my claims to Medavie Blue Cross?

All claims must be received by Medavie Blue Cross Insurance no later than 90 days after the end of the policy year in which the claims were incurred or 90 days after the end of your coverage, whichever is sooner. Full-year coverage ends Aug. 31 of the current academic year. If you are submitting claims for services incurred before Sept. 1, your claims must be received by Medavie Blue Cross Insurance by Nov. 29 of the same year. If you are submitting claims for services incurred on Sept. 1, and onwards, your claims must be received by Medavie Blue Cross Insurance by Nov. 29 of the following year. For more information, please see page 19 of the Medavie Blue Cross Handbook. For information on how to submit a claim, please see our eClaims page.听听

If you no longer have access to your Medavie Blue Cross app/portal, please use the听Health Insurance Claim Form听and submit it by mail.听

Mailing Address: C. P. 3300, SUCCURSALE B, MONTR脡AL (QU脡BEC) H3B 4Y5