On this page:
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.
Cowan:
Your UHIP coverage is insured by Manulife and administered by Cowan Insurance Limited (“Cowan”).
2. Healthcare at U of T
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 winter 2024 academic term and will convocate in spring 2024).
Application deadline for partial UHIP refund, except students with OHIP or pre-approved health insurance.
To learn more about refunds please review the information on exemption eligibility here.
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(opens in a new tab) 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.
To learn more about refunds please review the information on exemption eligibility here.
UHIP Coverage
- View a list of what is covered under your UHIP coverage
- See a coverage comparison between UHIP, OHIP, and the supplemental health plan.
- Visit the Ministry of Health website to learn more about the health care system in Ontario.
- Visit the UHIP official website for more information.
To learn more about how the University collects, uses, and protects your information, please click here