As a domestic or international student at Loyalist you will receive prescription drug coverage and Accident Benefits, which include life insurance, medical and dental expenses, and emergency taxi services.
International Students also benefit from an additional 12-month accidental/emergency coverage while they are in Canada through Guard.me International Insurance.
Summary of plan
Prescription drugs
- 80% to a maximum of $3,000 with an $8 dispensing fee cap.
- Includes various birth control options and methods.
- There are some exceptions.
Accident benefits
Coverage for expenses related to an accident such as:
- Life insurance
- Medical and dental expenses
- Emergency taxi
- Rehabilitation
- Repatriation
- Eyeglasses and contact lenses
- Home and vehicle modification
Coverage period for each semester
- Fall: September 1 – December 1
- Winter: January 1 – April 30
- Spring: May 1 – August 31
Please note: Although coverage begins at the start of the semester, there is a blackout period at the beginning of each semester. During this time, the student health plan contractor is not able to confirm coverage and will not process or reimburse claims. Please note that pharmacies cannot accept your Student ID Card for the Pay Direct Prescription Drug Service during the blackout period. Please keep receipts from prescription drug purchases or accident claims to make a manual claim once the blackout period ends.
Eligibility
Full-time students at Belleville, Bancroft, Port Hope, and Tyendinaga locations are eligible for health plan coverage. To maintain eligibility, students must be enrolled in at least 70% of the course hours required for their program each semester. Dropping a course may affect your status as a full-time student, impacting your eligibility for the health plan.
Students with documented permanent disabilities
If you have documented disabilities and are registered with AccessAbility Services, or verified through the Financial Aid Office you are considered full-time when registered in a minimum of 40% of a course load. In this case you will be charged for part-time ancillary fees and therefore not covered under the health plan.
If you wish to be covered by the health plan you can complete the Students with Documented Permanent Disabilities Ancillary Form as per our AccessAbility Policy for Full-Time Ancillary Fees.
Student health plan opt-out
Domestic students who can provide proof of pre-existing coverage may opt-out of the Prescription Drug Plan online during the following dates:
- For Fall 2024 students: September 4, 2024 to September 23, 2024
- For new Winter 2025 students only: January 7, 2025 to January 27, 2025
- For new Spring 2025 students only: May 1, 2025 to May 19, 2025
Learn more about the opt-out process on the myLoyalist Portal.
More information
