Basic health insurance coverage
University of Toronto students have basic health insurance coverage through either Provincial Health Insurance (see below) or the University Health Insurance Plan (UHIP).
These plans cover most doctor and hospital visits, but they do not cover services such as prescription medication, physiotherapy, dental care, vision care, psychotherapy, etc.
Supplementary health insurance
Most students will have partial coverage for additional services through a supplementary health insurance plan provided by one of the following:
- Association of Part-time Undergraduate Students (APUS)
- Scarborough Campus Students’ Union (SCSU)
- University of Toronto Graduate Students' Union (UTGSU)
- University of Toronto Mississauga Students’ Union (UTMSU)
- University of Toronto Students' Union (UTSU)
For information about supplementary travel health insurance, please visit the Centre for International Experience website.
Note that Health & Wellness does not coordinate health insurance plans. If you have questions about your insurance plan, please direct them to your insurance provider.
About Provincial Health Insurance
Students who are permanent residents of Ontario will have provincial health insurance coverage called Ontario Health Insurance Plan or OHIP.
Students from other provinces are usually covered under their own provincial plans. However, be aware that regulations vary from province to province. If you're an out-of-province student, be sure you're aware of the coverage you will have while in Ontario. Some provinces require students attending out of province universities to submit a letter of acceptance to the university, as well as proof of registration for the current year, in order to received continued health insurance coverage. There may also be a difference in terms of the services covered by the various provincial health insurance plans.
Learn more about your provincial health insurance plan:
- British Columbia Health Insurance
- Alberta Health Insurance
- Saskatchewan Health Insurance
- Manitoba Health Insurance
- Ontario Health Insurance
- Quebec Health Insurance
- Nova Scotia Health Insurance
- New Brunswick Health Insurance
- Newfoundland and Labrador Health Insurance
- PEI Health Insurance
- Yukon Health Insurance
- NWT Health Insurance