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Navi Mental Health Wayfinder

Healthcare At U of T

In An Emergency


In an emergency, call 911.

You must notify Cowan within 48 hours of any hospital stay expected to last more than 72 hours. Note that Cowan’s pre-approval may be needed for some expenses to be reimbursed. If you need this service or treatment, call Cowan at 1-833-377-8447.

For details of your coverage in case of hospitalization, please consult the UHIP website.

Visit a clinic 

If you need to consult a physician, you are encouraged to visit the Preferred Provider Network to locate a clinic or health care provider near you that will accept UHIP. 

A preferred health services provider (i.e. a provider that accepts UHIP), they will record your information and bill Cowan, the insurance provider, directly towards medical consultation fees. 

On-Campus support

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

Make sure you visit their services online:

Off-Campus support

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

Health Connect Ontario

Access safe, high-quality care and avoid unnecessary visits to the emergency room. This service is an easy way to get connected to care for your needs. It has a free, confidential phone service you can call to get health advice or information from a Registered Nurse. The nurse will direct you to the most appropriate level of care or may connect you with a health professional who can provide further advice. You can call 1-866-797-0000. This service is available 24 hours a day, seven days a week. 

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 their website.

Mental health support

For a range of mental health supports, download the My SSP app (My Student Support Program): Apple App Store or Google Play. My SSP 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. 

Call or chat whenever, wherever you are: 

Call 1-844-451-9700 (or 001.416.380.6578 if outside Canada or the USA – call charges apply). Click here for detailed instructions


What to bring  

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

Make a claim 

Some health care providers not mentioned in the network will not accept UHIP and may overcharge beyond the UHIP reimbursement rates. If that’s the case, you may need to pay for the services upfront and submit a claim for reimbursement to Cowan. You can refer to the instructions on how to submit a UHIP claim. Make sure you keep all receipts and ask the healthcare provider to fill out the UHIP Claim Form for you. 

Outside of Ontario, but in Canada

UHIP will only cover emergencies outside of Ontario, at the same level of coverage as in Ontario.

Outside of Canada

UHIP has minimal coverage for out of country emergency medical treatment. It is at the same level and conditions as OHIP.

We strongly recommend that you purchase out of country travel insurance to avoid additional expenses. Check with your supplementary health insurance if they offer out of country coverage.

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

UHIP covers most of the basic health care expenses, like OHIP. However, in both UHIP and OHIP, some medical services are excluded, such as prescription drugs, dental care and routine eye exams.

You will need to have a supplementary health insurance plan for additional coverage.

Supplementary insurance plans are distinct from UHIP and are managed by one of the University’s student unions. The insurance company may also differ from UHIP. There is no overlap of coverage between UHIP and supplementary health insurance.

Undergraduate Students

Domestic and international, are automatically enrolled in a supplementary health plan.

Premiums for the plans will be charged automatically to your student account on ACORN(opens in a new tab).



University of Toronto Mississauga Students’ Union (UTMSU)(opens in a new tab)


Scarborough Campus Students’ Union (SCSU)

Graduate Students

Domestic and international, are automatically enrolled in a supplementary health plan.

Premiums for the plans will be charged automatically to your student account on ACORN(opens in a new tab).

For any inquiries or claims, please make sure you contact the right office and the right insurance company. 

Please visit University of Toronto Graduate Students’ Union (UTGSU)(opens in a new tab) for more information.

Exchange Students

Exchange students are not eligible for supplementary health insurance plans. You are encouraged to purchase your own private supplementary health coverage plan.

Whats Covered

Our Student Healthcare Roadmap displays an overview of what your student healthcare covers (UHIP and supplementary healthcare plan). You will find information regarding your UHIP coverage on the UHIP website. We have instructions on how to register for coverage, print your card, make a claim and much more.

You can also visit the Ministry of Health website to learn more about the health care system in Ontario.

cowen student healthcare guide