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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. As of May 1, 2025, within each academic year, 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.

If your registration status changes from registered to de-registered more than 45 days from the beginning of academic term, you will not be issued a refund for the cost of UHIP coverage for that term. 

Cowan INSURANCE:

Your UHIP coverage is provided by Cowan Manulife Insurance.

Important Dates

For students who finish their degree requirements in April or August, the deadline to request an extension is August 1.

The extension form will close on the deadline. No extensions can be granted past the deadline. 

Use the extension checker tool to determine your eligible length of extension. 

Newly admitted international students who become registered at least one week before August 10 will be automatically enrolled into bridge coverage.

Bridge coverage starts from August 10 and is only intended for urgent medical care.  

Visit this page on how to access your UHIP card

Visit this page on how to access your UHIP card.  

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

To learn more about refunds please use the exemption checker tool.

Application deadline for partial UHIP refund, except students with OHIP or other Canadian provincial health insurance plan.

To learn more about refund and exemption, please review the information on exemption eligibility

For students who finish their degree requirements in December, the deadline to request an extension is April 1.

The extension form will close on the deadline. No extensions can be granted past the deadline. 

Use the extension checker tool to determine your eligible length of extension. 

UHIP Coverage

Learn more about how the University collects, uses, and protects your information.