Health Coverage

It's important that students have access to health care services while completing their studies at McGill. Whether you're a Canadian or international student, make sure your health insurance is covered provincially or through McGill's Post-Graduate Students' Society.

Post-Graduates (Canadian)

As a full-time, additional session, non-thesis extension, master’s, doctorate, or postdoc status student who registers before the McGill fee payment deadline, and who is a member of PGSS paying tuition fees at either the Canadian or Quebec rates, you are automatically covered by the PGSS Health & Dental Plan that is administered by ASEQ. You can double check this by logging into Minerva and verifying your fees per term, including the PGSS health and dental fees.

You are required to have a valid RAMQ, or other provincial health care card. Quebec residents will also have mandatory public prescription insurance.

If you would like to add your spouse or dependants onto your health and/or dental plan, you must do so during the ASEQ Change-of-Coverage Period at the beginning of your school year. Students arriving in January may choose to enrol themselves/spouses/dependants during the January Change-of-Coverage Period. If you are a postdoc, or other graduate student that becomes eligible for the plan mid-term, you will have 30 days to opt yourself and any spouses/dependants into the plan manually.

The ASEQ plan also includes travel insurance for trips less than 120 days, or travel related to your studies, that are not to your home country.

Alternative Health Insurance

If you’re covered by alternative health insurance, you may be able to opt-out of the PGSS Health Plan and have the fee credited to your student account. You can opt-out permanently or annually. If you choose the latter, you’ll have to opt-out each year.

To confirm Opt-Out dates, visit the ASEQ website or call 514-789-8775 (toll-free: 1-866-795-4435).

Post-Graduates (International Students/Non-Resident Canadians)

McGill requires all international students and their accompanying dependants to participate in the compulsory McGill International Health Insurance (IHI) Plan, which is administered by International Student Services. All international students who begin their studies during the Fall term are billed an annual fee for the international health insurance. In order to pick up the IHI card, you must first confirm your coverage on Minerva. In addition, all international students are automatically covered by the PGSS Dental Plan, accordingly. You can double check this by logging into Minerva and verifying your fees per term, including the PGSS dental fees. If you would like to opt your spouse or dependants into your dental plan, you must do so during the ASEQ Change-of-Coverage Period at the beginning of your school year. Students arriving in January may choose to enrol themselves/spouses/dependants during the January Change-of-Coverage Period. If you are a postdoc, or other graduate student that becomes eligible for the plan mid-semester, you will have 30 days to opt yourself and any spouses/dependants into the plan manually.

If you are a recent permanent resident of Canada or a Canadian citizen who has been living abroad, you may not be eligible for provincial health insurance coverage, or you may have to wait for three months after your arrival to qualify.

If you have no insurance coverage or your private insurance is not adequate, you may enrol in the group plan offered through International Student Services (ISS). Students covered by private health insurance are not exempt from the McGill International Health Insurance plan. For more information, visit mcgill.ca/internationalstudents/health. Have a question about the IHI plan? International.health [at] mcgill.ca (Contact International Student Services).
For all inquiries about the Dental Plan, please refer to the ASEQ website.