The University Health Insurance Plan (UHIP) is mandatory health care coverage for registered international and exchange students while they study in Canada. For a complete list of what is covered and not covered by UHIP, please visit the plan details section on the UHIP Website.
UHIP coverage is similar to OHIP (Ontario Health Insurance Plan), the provincial health insurance plan for Canadian citizens and permanent residents residing in Ontario; however, it does not offer the exact same coverage as OHIP. Your UHIP coverage is insured by Manulife and administered by Cowan Insurance Limited (“Cowan”).
Arriving At University
Remember, you will need a physical copy of your UHIP card when you visit a clinic or health care provider near you that will accept UHIP. (Click here for enrollment guidelines for new international students, dependents, IVGS etc.)
Using UHIP At University
Check out our Student Healthcare Roadmap for an overview of what your student health care coverage looks like.
You may be eligible for a partial refund of your UHIP premium if you meet certain conditions. There are few occasions when you can be covered by UHIP even when you are not a registered student at the University of Toronto (Coverage During Absence).
- September 1, 2022 – Starting September 1, 2022, UHIP will be changing the insurer from Sun Life to Cowan. This is an automatic switch, all coverage, services, and preferred providers offered will be kept exactly the same. To receive updates from Cowan on this switch, please ensure that the email on your student account is your UTORmail.
- September 30th, 2022 – As UHIP transitions from Sun Life to Manulife Cowan Insurance Group, students and their dependents are reminded that they must submit any outstanding claim forms for the 2021/2022 academic year by September 30th, 2022.
Frequently Asked Questions
- Have your UTORid and UTORmail
- Login to your ACORN account:
- Check that your registration status is “Registered”
- Ensure your email address is your UTORmail and not any other email (e.g. Gmail)
- Update your home address to one in “Ontario”.
Yes, you will need to print your UHIP card to visit a doctor or hospital. We always recommend that you visit someone in the Preferred Provider Network (PPN) to locate a clinic or health care provider near you that will accept UHIP. Practitioners from this network will bill the insurance directly so you just need to go with your UHIP card.
Some health care providers not mentioned in the network would not accept UHIP and may overcharge beyond UHIP reimbursement rates. If that’s the case, you may need to pay for services and submit a claim for reimbursement. You can refer to the instructions on how to submit a UHIP claim. Make sure you keep all receipts and ask the health care provider to fill out the UHIP Claim Form for you. As a registered U of T student, you also have access to practitioners right on campus through the Health and Wellness Centre.
It is best to print your UHIP card at the start of your program so you are prepared for emergencies. If you need to urgently visit a hospital or clinic but don’t have your UHIP card, you must bring a UHIP claim form with you. You may need to pay for services and submit the claim for reimbursement to the insurance provider. You can refer to the instructions on how to submit a UHIP claim. Make sure you keep all receipts and ask the health care provider to fill out the UHIP Claim Form for you.
If you require a prescription for medication, you will need to obtain one from a health care practitioner. You can visit someone in the Preferred Provider Network (PPN) to locate a clinic or health care provider near you that will accept UHIP. As a registered U of T student, you also have access to practitioners right on campus through the Health and Wellness Centre.
International students on leave from their studies may be eligible to enroll in UHIP for the term in which they are not actively registered. International students who cancel registration or withdraw for the term for any of the following reasons may be granted UHIP coverage:
- Parental Leave
- Medical/Health reasons
- Personal reasons
To be covered under UHIP during your leave, approval must be granted by the University at least one month prior to taking the leave. You are also required to contact the UHIP Office at least one month prior to the start of the leave. Your UHIP coverage may be continued for a maximum of 4 months per academic year. For a maternity or paternity leave of absence, your UHIP coverage may be continued for maximum of 12 months.
Once you complete your program and are no longer a registered student, you may need to extend your UHIP coverage at the current monthly rate:
- June convocations may extend up to 2 months, from September 1 to October 31.
- November convocations may extend up to 4 months, from September 1 to December 31.
Please note that your UHIP coverage must be continuous. No matter when you submit your extension request, the extension of your UHIP coverage will always start September 1. To apply for an extension of your coverage please fill out this form. To extend the coverage of your dependents, complete the Dependents Application