As a full-time domestic or international student at Loyalist, you will receive prescription drug coverage and accident benefits.
International students also receive 12-month accidental/emergency health and accident coverage while they are in Canada through GuardMe International Insurance.
Summary of plan
Prescription drugs
- 80 percent 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
The coverage period for each semester is as follows:
- Fall: Sept. 1 – Dec. 1
- Winter: Jan. 1 – April 30
- Spring: May 1 – Aug. 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 our Belleville, Bancroft, Port Hope, and Tyendinaga locations, as well as Distance students in the ECE and DSW programs are eligible for health plan coverage. To maintain eligibility, students must be enrolled in at least 70 percent 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
You are considered full-time when registered with a minimum of 40 percent course load if you have the appropriate documentation. Please verify your disability status with the Financial Aid Office or AccessAbility Services.
If you qualify and want to opt into the health plan, please email advising@loyalistcollege.com with your request before or during the opt-in period.
Student health plan opt-out and opt-in dates
During the dates listed below:
- Domestic students who can provide proof of pre-existing coverage may opt out of the prescription drug plan online
- Students with documented permanent disabilities may opt in to the prescription drug plan, if eligible
| For Fall 2025 students | Sept. 3, 2025 to Sept. 22, 2025 |
| For Winter 2026 students | Jan. 6, 2026 to Jan. 26, 2026 |
| For Spring 2026 students | April 28, 2026 to May 16, 2026 |
Learn more about the opt-out and opt-in processes on the myLoyalist portal.
More information
