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Mandatory Basic Medical Insurance

Please note that the insurance requirements for international students and incoming exchange/visiting students have changed. Please be sure to read through the information below. Having the right medical and travel insurance is critical to avoid unnecessary financial burdens. Without insurance, medical and emergency care in Canada and abroad can be extremely expensive. KPU offers insurance services administered through Travel Underwriters for the KPU community:


International Students

I. Temporary Insurance Plan (International students only): All new international students coming to KPU will automatically be enrolled in KPU's Temporary Medical Insurance Plan upon registration in classes for their first semester. Coverage begins on the first day of the month before the start date of a semester. Each student's name, student number, email, gender, and date of birth will be released to the insurer and plan administrators. Students will be enrolled in the plan for each semester until they can provide proof of coverage in the province's health care plan. This is coverage for basic medical costs and services and is addition to the KSA Extended Health and Dental Plans.

Semester

Coverage Start Date*

Coverage End Date

Opt-Out Deadline†

Fee‡

Fall 2017 (September)

September 1, 2017

December 31, 2017

September 30, 2017

$ 227.00

Spring 2017 (January)

January 1, 2017

April 30, 2017

January 31, 2017

$ 220.00

Summer 2017 (May)

May 1, 2017

August 31, 2017

May 31, 2017

$ 220.00

New international students beginning studies at KPU during Session Two will be assessed the Temporary Insurance Plan at a flat rate of $110.  Coverage period begins on the first day of Session Two and ends on the Semester Coverage End Date.  Opting out will be handled solely through the carrier.

Notes:
* Students are covered for the period shown, regardless of the first date of study.
† See Opting Out

For more information about the Temporary Insurance Plan, please contact KPU International (kpu.ca/international/contact). You can review details of Temporary Insurance Plan coverage here: https://sell.tugo.com/static/public/media_pe/pdf/doccenter/finkelstein_k... . For the list of excluded activities please refer to page 14, General Exclusions.

Proof of Coverage

Proof of approved BC Medical Services Plan coverage can demonstrated using one of the following documents:

  1. BC Service Card; or
  2. Letter from Health Insurance BC; or
  3. BC Medical Services Plan Invoice from Revenue Services.

Opting Out

A student is able to opt-out of the insurance plan through KPU and receive a 100% refund for the current semester provided they submit proof they are covered by the British Columbia Medical Services Plan (BCMSP) coverage  prior to the start of the KPU Temporary Basic Medical Insurance coverage.  This must be done prior to the Opt-Out deadline for each semester. The BCMSP coverage must begin prior to the coverage start date of the KPU Temporary Medical

Insurance Plan in order for the student to be able to receive a full refund. Students must opt out online at: http://finkelsteinfinancial.com/kwantlen-students-opt-out-form/

 

IMPORTANT: All international students must opt out online with proof of their BCMSP coverage or they will continue to be enrolled in the KPU Temporary Medical Insurance program in following semesters

 

TU_coverage_kpu

"Features and Benefits" handout

If you have BCMSP coverage before the start date of KPU Temporary Medical Insurance Plan, you may opt out from the plan.

Until you opt out you will continue to be enrolled in the KPU Temporary Medical Insurance Plan as long as you are a student at KPU and related fees will be assessed on your student account. Not paying these fees will impact your registration so please keep payment up-to-date.

The waiting period to receive BCMSP coverage is 3 months. Remember to opt out as soon as you receive proof of your coverage under BCMSP so you are not charged for the medical insurance for the next semester.  

 

II. BCMSP Coverage: For international students who are planning to stay in the province of British Columbia for more than 6 months, it is mandatory that you enrol in the British Columbia Medical Services Plan (BCMSP). You must apply within the first 10 days of your arrival in BC. The waiting period to receive this coverage is 3 months. As soon as you receive proof of your coverage under BCMSP, please opt-out of the KPU Temporary Medical Insurance Plan. Please PDF icon see here for information on how to enroll in BCMSP. 


To apply for BCMSP, mail the application form with a copy of your study permit (and copies of any dependents' immigration documents).  Do not send any payment.  Your BCMSP coverage will take effect 3 months after your arrival date in B.C.  There may be a few weeks of overlap in coverage between the two plans.

You will receive  your BC Service Card and a confirmation of coverage letter in the mail with a bill for payment of the BCMSP monthly fees.

Note: The British Columbia Services Plan (BCMSP) is a provincial government program.  Application and payment of monthly fees are separate from your student account.
 

III. Extended Medical and Dental Coverage: All students (including international students) at KPU are automatically enrolled in the KPU Student Association (KSA) Benefits Plan. This is a mandatory extended health and dental plan that supplements the BCMSP. It provides 12 months of coverage starting on the first day of the month the program of study begins. Please see www.kusa.ca for opting out procedures and for further information, or visit the Benefits Office in the KSA office on any campus.

 

Incoming Exchange/Visiting Students

I. Mandatory Temporary Insurance Coverage: Students coming to KPU as exchange or visiting students will automatically be enrolled in the KPU Temporary Medical Insurance Plan upon registration in classes. Coverage begins on the first day of the month the program of study begins. Each student's name, student number, email, gender, and date of birth will be released to the insurer and plan administrators to facilitate this coverage. Specific coverage start and end dates for each semester can be found here. Students will be enrolled in this program each semester upon registration in classes until they provide proof of coverage under the BC Medical Services Plan (BCMSP).

Students are responsible for paying the fee for this insurance through their KPU student account prior to the fee payment deadline each semester: http://www.kpu.ca/registration/dates.html. The fees for this coverage can be found here.

 

Fees

Semester

Coverage Start Date*

Coverage End Date

Opt-Out Deadline†

Fee‡

Fall 2016 (September)

September 1, 2017

December 31, 2017

September 30, 2017

$ 220.00

Spring 2017 (January)

January 1, 2017

April 30, 2017

January 31, 2017

$ 220.00

Summer 2017 (May)

May 1, 2017

August 31, 2017

May 31, 2017

$ 220.00

All students, should read the policy wording to understand their coverage. Students with pre-existing medical conditions should contact the insurance company to discuss how this will affect insurance coverage.

Download a copy of the 'Features and Benefits' handout.

Students staying for one semester

Students staying for one semester do not need to apply for or show proof of coverage through BCMSP as the duration of stay is not long enough for the student to be eligible for BCMSP. Students should simply review their coverage under the KPU Temporary Medical Insurance Plan.

Students staying for more than 6 months

For visiting and exchange students who are planning to stay in the Province of British Columbia for more than 6 months, it is mandatory that you enrol in the British Columbia Medical Services Plan (BCMSP). You must apply within the first 10 days of your arrival in BC.

To apply for BCMSP, mail the application form with a copy of your study permit (and copies of your dependents' immigration documents). Do not send any payment. Your BCMSP coverage will take effect 3 months after your arrival date in B.C.  There may be a few weeks of overlap in coverage between the two plans.

You will receive your BC Service Card and confirmation of coverage in the mail with a bill for payment of the monthly fees.

 

Outgoing Students (Exchange/Field Schools/Other)

All outgoing students are required to have insurance coverage for the duration of their time abroad. If you are part of the KSA extended health and dental plan, travel medical insurance is included as part of this plan. Please contact the KSA benefits office to determine whether or not this coverage meets your needs.

If you are not a part of the KSA extended health and dental plan, you can purchase insurance through the KPU Insurance Plan or other insurance providers.


Opt Out from KPU Temporary Mandatory Insurance

Show proof of approved coverage by filling out the Online Temporary Medical Insurance Opt Out Form.  Proof of approved coverage can be one of the following:

1. BC Service Card

2. Letter from Health Insurance BC or

3. BC Medical Services Plan Invoice from Revenue Services

 

Important Dates

KPU Temporary Medical Insurance Plan Coverage:

 

 

Semester

Coverage Start Date*

Coverage End Date

Opt-Out Deadline†

Fall 2017 (September)

September 1, 2017

December 31, 2017

September 30, 2017

Spring 2017 (January)

January 1, 2017

April 30, 2017

January 31, 2017

Summer 2017 (May)

May 1, 2017

August 31, 2017

May 31, 2017

Click here for dates and fees of mid-semester intakes.

 

After the opt-out deadline, no refunds are permitted. These refund policies only apply to those students who have not submitted a claim or plan to submit a claim under the medical insurance plan. Once a claim has been submitted, no refund can be issued.


Refund Policy
 

In line with KPU's general refund policy (C39: Refunds of Tuition and Other Fees), students will be eligible for a 100% reimbursement of the insurance plan fee if all courses are dropped prior to the first day of classes. Student can receive a 100% refund if they meet the opt-out requirements below and show proof of coverage before the Opt-Out deadline.

 

Opt-Out Policy


If you have BCMSP coverage before KPU Temporary Medical Insurance Plan:

A student is able to opt-out of the insurance plan through KPU and receive a 100% refund for the current semester if they submit proof of the BCMSP coverage by the Opt-Out deadline. The BCMSP coverage must begin prior to the coverage start dateof the KPU Temporary Medical Insurance Plan in order for the student to be able to receive a full refund. Students must opt out online.

IMPORTANT: All international students must show proof of their BCMSP coverage once they receive it or they will continue to be enrolled in the KPU Temporary Medical Insurance program in following semesters.

 

Faculty and Staff

 

Faculty and Staff are also eligible to purchase insurance through the KPU Travel Insurance plan. Please visit KPU Insurance Plan for Staff and Faculty for more information.

 

KPU Temporary Medical Insurance Plan Contact Information

For claims assistance, please contact TuGO:

Toll free from Canada & USA at 1-855-929-8846
email: info@tugo.com

In case of emergencies call:
From Canada and USA: 1-800-663-0399
From Mexico: 001-800-514-9976 / 01-800-681-8070
Worldwide (collect): 604-278-4108

Newly added benefits to the temporary health insurance plan (limited to the clinics on the list below).

  • Preferred appointment times
  • Top of the list - 1st choice of available appointments
  • Direct billing to TUGO
  • No more pay up front and submit for reimbursement - for covered conditions
  • Preferred fees for services not covered under the plan i.e. prescription filling

For a list of Direct Billing Medical Clinics click here: