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What if I’m not in Canada?

UHIP coverage is annual.

•If you will not be in Canada during the Fall term, you can opt out of the UHIP for Fall term by agreeing to the declaration in the optional fees section on Quest during the opt out period for Fall term.

•If you were not enrolled in UHIP for Fall term and also will not be in Canada for Winter term, you will have the opportunity to opt out of the UHIP for Winter term by agreeing to the declaration in the optional fees section on Quest during the opt out period for Winter

•If you were not enrolled in UHIP for Fall term and Winter term, and also will not be in Canada for Spring term, you will be able to opt out of the UHIP for Spring term by agreeing to the declaration in the optional fees section on Quest during the opt out period for Spring

•If you are enrolled in UHIP beginning Fall term, you will be charged for and enrolled in the plan for Winter term and Spring term, regardless of your location during those terms.

•If you are enrolled in UHIP for Fall or Winter term, you will be charged for and enrolled in the plan for Spring term regardless of your location during Spring term.

How do I opt out?

Please see our page on opt-out instructions for opting-out of UHIP on Quest.

I’ve opted of UHIP but now I am coming to Canada during the term. What do I do?

1. You will be personally responsible to arrange for your own travel and medical insurance for yourself and any dependents; you must inquire about acquiring sufficient medical coverage similar or comparable to UHIP coverage, before travelling to Canada, or commencing your studies in person in Canada.

2. If you decline UHIP coverage and then arrive in Canada during the term and you do not make arrangements for sufficient medical coverage, you and your dependents will be personally responsible for your own medical treatments, medications, hospitalization, illnesses, diseases or medical emergencies and all related expenses, claims and damages.