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Healthcare At U of T

Healthcare Plans

UHIP

View a list of what is covered under your UHIP coverage

Download the Understanding Student Health Care PDF for more information on your healthcare coverage at UofT.

A landscape document with the title 'Understanding Student Health Care" which compares OHIP and UHIP under 'Primary Coverage", and lists information on the Supplementary Coverage.

Supplementary Health and Dental Plan

Supplementary insurance plans are separate from UHIP and are managed by one of the University’s student unions. For more details on your Supplementary Health and Dental Plan, visit studentcare.ca or contact your student union directly.

Exchange students: You are not eligible for the Supplementary Health and Dental Plan. We encourage you purchase your own private supplementary health coverage plan.

Travel Health Care

UHIP will only cover emergencies outside of Ontario. If you are traveling outside of Ontario you may want to look into buying travel insurance. Connect with your student union to inquire about the travel insurance included in your supplementary insurance plan.

UHIP has minimal coverage for out of country emergency medical treatment.

  • We strongly recommend that you purchase out of country travel insurance to avoid additional expenses. Check with your student union to inquire about out of country travel insurance and whether it is included in your supplementary insurance plan.

For more information about the UHIP coverage while travelling, please consult the UHIP website.

Where to Go When You Feel Sick

Download the Where to Go When You Feel Sick PDF for more information on accessing healthcare.

The Preferred Provider Network

The Preferred Provider Network is a searching tool that helps you locate a clinic or healthcare provider near you that will accept UHIP and has direct billing.

  • Read more on finding a clinic/doctor/lab on the official UHIP website

Make sure you print and carry your UHIP card and UHIP Claim Form, as they will be required by your healthcare provider.

The University of Toronto provides a range of services for your physical and mental health on campus. These services include: immunization, sexual and reproductive health consultations, mental health support, nutrition, and pharmacy services.

To learn more, visit:

IAMSICK.CA

Book appointments and visit virtual waiting rooms for health facilities near you.  

Screenshot of the landing page of “IAMSICK.CA”. The background is an image of a hand holding a smartphone showing the map of this service and a red “locate me” button. The background image has somewhat low opacity and in front of the image, written in white font, is the title text “healthcare, when and where you need it.” Under this title, is a description saying “from family doctors accepting new patients, walk-in clinics, wellness clinics, pharmacies to hostpitals, find your nearest healthcare options anytime, any day”. Below this, is a search function and drop down menus. Next to the text “I’m looking for” the user can choose from the drop down menu, and next to the text “near” there is another drop down menu. On the right hand side there is a red “Find” button.

SERVICE ONTARIO

If you have any questions regarding health care in Ontario, you may call ServiceOntario at 1-866-532-3161 or 416-327-4282, Monday to Friday between 8:30 am to 5:00 pm. You can find more information on the Service Ontario website.

  • If you visited a health care provider in the Preferred Provider Network, they will bill directly to Cowan.
  • If you visited a health care provider outside of the Preferred Provider Network, you need to:
    • Keep all receipts and ask the healthcare provider to fill out the UHIP Claim Form for you.
    • Pay for the services upfront and submit a claim for reimbursement.

If you have any questions about a claim you submitted (or submitting claims) please reach out to Cowan directly: uhip.ca/contact

For a range of mental health supports, download the U of T Telus Health Student Support (THSS) app: Apple App Store or Google Play. 

U of T THSS is for all students for immediate and/or ongoing confidential 24/7 counselling support. The service is available in 146 languages and is entirely free. Learn more about U of T THSS.Call or chat whenever, wherever you are: 1-844-451-9700 (or 001.416.380.6578 if outside Canada or the USA – call charges apply).

Please take a look at our list of mental health resources, both on campus and off campus.

frequently asked questions

View a list of what is covered under UHIP. As an international student, you also have a supplementary insurance plan from your student union, and this is distinct from UHIP. Please contact your student union for inquiries related to your supplementary health insurance.  

If you must visit a doctor/clinic before your coverage card comes in or if you visited a health care provider outside of the Preferred Provider Network, you would have to pay out-of-pocket. In this case, hold onto your receipts to submit a claim later once your account has been created. Follow the instructions on the UHIP page to submit a claim. For questions regarding claims, please contact Cowan directly for support: uhip.ca/contact.