UBC Vancouver

The AMS/GSS Health & Dental Plan provided by Pacific Blue Cross, is an extended health and dental coverage plan. To get more information about this plan, please visit www.ihaveaplan.ca.

(This summary was last updated June 2016.)

What is covered

  • up to a maximum of $5,000,000 per person per incident
  • hospital, physician, and other services for emergency treatment of an injury or illness while traveling outside of the province in which you reside
  • reasonable and customary charges in excess of the provincial health-care allowance. The reasonable and customary clause ensures that you are evacuated to the nearest medical center that can treat the specific emergency. When deemed necessary, emergency medical evacuation to Canada is eligible as well.
  • up to $150 per calendar year for vaccinations (covered at 100%)
  • emergency evacuation (context-specific)
  • repatriation (reimbursed at 100%, up to an overall maximum of $5,000 per person per lifetime)

Pacific BlueCross strongly recommends that you contact the emergency travel insurance contact number before incurring medical expenses. This way they can arrange for direct payment of eligible expenses when applicable. The plan is designed to eliminate out-of-pocket expenses as much as possible. (See “Travel Health Passport” on their website.)

Students traveling for university activities:

  • You are covered for up to 120 days per trip (four months), for an unlimited number of trips taken during the coverage period.
  • If you are leaving on a recognized academic exchange or are participating in an internship as part of your studies, you can benefit from travel health coverage for the duration of the exchange or internship.
  • As long as you are travelling for academic purposes that are recognized by the university, you are eligible to extend your travel insurance to include the duration of your studies, plus 120 days before and 120 days after the official dates. This would include graduate students travelling for research purposes (as long as they can provide documentation from UBC indicating that this is a recognized academic trip).
  • The plan includes travel health coverage for the first 120 days of your trip and for 120 days after the end of your exchange or internship.
  • To receive coverage, you must remain members of your student society, pay fees to the University, and keep your provincial health-care coverage.

 What AMS insurance will not cover

  • Travel health coverage does not apply to international students traveling to their home country under any circumstances. This coverage depends on your residency status in the home country. If you also have a passport and permanent residency in your home country, any expenses incurred while travelling there are not eligible under the student plan.
  • You and your dependents are not covered for out-of-province or out-of-country emergency services once you reach age 65.
  • If you are not participating on an academic exchange or internship, you are not able to extend your travel insurance past the standard 120 days. In this case, Pacific BlueCross suggests that you look into purchasing a separate travel insurance policy for the period of travel which exceeds the 120 days.
  • If the Government of Canada issues a Travel Advisory, the travel insurance is automatically void. Therefore, if you are travelling to regions which have been rated as "AVOID NON-ESSENTIAL TRAVEL," or “AVOID ALL TRAVEL”you would need to look into purchasing a separate travel policy which meets these specific needs.

UBC Okanagan

The UBCSUO Health and Dental Plan provided by Pacific Blue Cross is an extended health and dental coverage plan. To get more information about this plan, please visit www.ihaveaplan.ca.

What is covered

  • up to a maximum of $5,000,000 per person per incident
  • hospital, physician, and other services for emergency treatment of an injury or illness while traveling outside of the province in which you reside
  • reasonable and customary charges in excess of the provincial health-care allowance
  • up to $150 per calendar year for eligible vaccinations (covered at 80%)
  • emergency evacuation (context-specific)
  • repatriation (reimbursed up to an overall maximum of $7,500 per person per lifetime)

Pacific Blue Cross specifies that you must contact Canassistance before seeking emergency medical treatment. Failure to call before seeking treatment can result in a 30% reduction to your eligible claim payment, or no reimbursement for the expense you have already incurred. If you are physically unable to call, someone else may call on your behalf. In addition, the medical advisors of Canassistance and their claims administrator must approve all medical procedures (including cardiac procedures, CAT scans and cardiac catheterization) in advance. (See “Travel Health Passport” on their website.)

Students traveling for university activities:

  • If the University has approved your participation in an exchange program or extended travel period for any other valid academic reason, coverage will continue for the entire duration of the approved academic program or exchange, including the 120 days immediately prior to and immediately following the approved program.

What UBCSUO insurance will not cover

  • Travel health coverage does not apply to international students traveling to their home country under any circumstances. This coverage depends on your residency status in the home country. If you also have a passport and permanent residency in your home country, any expenses incurred while travelling there are not eligible under the student plan.
  • You and your dependents are not covered for out-of-province or out-of-country emergency services once you reach age 65.
  • If the Government of Canada issues a Travel Advisory, the travel insurance is automatically void. Therefore, if you are travelling to regions which have been rated as "AVOID NON-ESSENTIAL TRAVEL," or “AVOID ALL TRAVEL”you would need to look into purchasing a separate travel policy which meets these specific needs.

Travel to regions with increased advisories

If you are authorized to travel to regions where the Government of Canada has issued a travel advisory level of "AVOID NON-ESSENTIAL TRAVEL" or “AVOID ALL TRAVEL,” it is your responsibility to ensure that you have adequate medical and travel insurance coverage while you are away. Note that the AMS/GSS and UBCSUO Extended Coverage Plan is automatically void for regions with these advisories.

Visit the Insurance learning module to learn more about choosing the right insurance.

The following insurance companies offer medical and travel insurance for regions with a travel advisory of "AVOID NON-ESSENTIAL TRAVEL" or "AVOID ALL TRAVEL":