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Navi Mental Health Wayfinder

University Health Insurance Plan (UHIP)

The University Health Insurance Plan (UHIP) is mandatory health care coverage for registered international and exchange students while they study in Canada. Registered international students (including exchange students) are automatically enrolled in UHIP for a 12-month period, starting September 1st and expiring August 31st (adjusted for exchange students).

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About UHIP

University Health Insurance Plan (UHIP):

Mandatory health care coverage for registered international and exchange students while they study in Ontario.

Your UHIP coverage is tied to your registration status at U of T. You must remain actively registered to remain eligible for coverage under UHIP. If you de-register during the term, your coverage into UHIP through Cowan may be terminated.


Your UHIP coverage is insured by Manulife and administered by Cowan Insurance Limited (“Cowan”).

Important Dates

Deadline to request a UHIP extension for students who require an extension to their UHIP coverage after completing their degree requirements (applies only to students who will not be registered in studies for the 2023/24 academic year and have convocated in June 2023, or will convocate in November 2023).

All newly admitted incoming students will be automatically enrolled into bridge coverage as of August 10.

Bridge coverage is intended for urgent medical care. 

You will receive your UHIP Welcome Package approximately one week after becoming officially registered for the fall term, and not on August 10th

Rest assured your coverage will be back dated to include the bridge period.

Students can register at Cowan Group to obtain their UHIP cards.

Full refund granted if request for waivers/exemptions are received by this date. Only partial refund will be granted after this date.

Application deadline for partial UHIP refund, except students with OHIP or pre-approved health insurance.

UHIP Coverage