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You must have health insurance coverage for as long as you’re on your international co-op work term.
Full-time undergraduate students who are enrolled in 1.5 on-campus credits and co-op students on an officially recognized work term are automatically enrolled in the Federation of Students/ Graduate Students Association (FEDS/GSA) Health and Dental Plan) unless you opt out of the plan because you have alternative coverage).
Full and part-time graduate students paying tuition to the university are also automatically enrolled in the FEDS/GSA Health and Dental Plan. The plan gives you international coverage for 150 days per trip.
FEDS/GSA Health and Dental Plan insurance is only valid if you also have Ontario Health Insurance Plan (OHIP) provincial coverage, or UHIP coverage.
Additional insurance coverage under the FEDS/GSA Health and Dental Plan is required if you will be working internationally for more than 150 days.
You must purchase your additional coverage before leaving for your international co-op work term. Please allow at least 3 weeks for purchasing additional insurance.
You can make your payment by cheque or money order to the FEDS/GSA Health and Dental Plan Office.
The FEDS/GSA Health & Dental Plan office is located on-campus in Health Services, Room 1006. Or, you can call toll-free 1-866-369-8794 between 9:00 a.m. and 5:00 p.m., Monday to Friday.
You and any other full-time Waterloo student have the choice to opt-out of the FEDS/GSA Health and Dental Plan, if you have proof of coverage by an equivalent health plan.
If you choose to opt-out of the plan, you will not have health or dental insurance coverage for your international work-term and will have to purchase an additional health plan, either from the visa sponsor, or from a third party insurance provider, which might be more expensive.
Opt-outs are valid for the whole policy year, from Sept. 1 to Aug. 31. To opt out and for more information about opt-outs, please visit ihaveaplan.
You can contact the FEDS/GSA Health and Dental Office for more information (see contact information above).
This would include if you have two international four-month co-op work terms, or one eight-month co-op work term.
Inform the local Ministry of Health Office
You must inform the local Ministry of Health Office in person, if you’re covered by OHIP and are leaving the province for seven months or more (including other provinces).
The local Ministry of Health is located at:
1. Take these original documents with you.
2. Health card
3. OHIP coverage
4. Health insurance coverage under another province
Call collect from anywhere 24 hours a day:
When you call, provide the following information:
At this time you should also notify UWaterloo Police Services at 1-519-888-4911.
For coverage of non-emergency medical services, you can submit a claim. You will get a refund in Canadian dollars. The refund is calculated with the Canadian exchange rate on the day the claim is processed. Processing takes about 1-2 weeks.
Claims may be co-ordinated with your provincial health care coverage (OHIP).
Send claims to:
Sun Life Assurance Company of Canada Group Claims Department
PO Box 11805 Stn. CV Montreal, Quebec H3C 0H3
Depending on the country of your international work term, it might be required to provide a Verification of Health Coverage Letter, in order to obtain a work permit or visa.
FEDS/GSA Health and Dental Office can send you the letter by calling, toll-free: 1-866-369-8794.
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