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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. As of May 1, 2025, students can step away for one term (i.e., not hold a REG status in ACORN) either during the winter term, or summer term and their UHIP coverage will remain active during their break in studies. If students do not re-register in the term following their one term break in studies, UHIP coverage will become terminated on the last day of the term they took as a break in studies.
Cowan INSURANCE:
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 an additional 2-month extension until October 31st for students who finished their degree requirements in April.
For students finishing their degree requirements in August, the deadline to request a 6-month extension is August 1st. The extension form will close on the deadline. No extensions can be granted past the deadline.
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.
To learn more about refunds please review the information on exemption eligibility
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
Deadline to request an additional 2-month extension until June 30th for students who finished their degree requirements in December. The extension form will close on the deadline. No extensions can be granted past the deadline.
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.
Learn more about how the University collects, uses, and protects your information.