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home | health insurance | health insurance information for canadian students and scholars Health Insurance Information for Canadian Students and ScholarsWelcome to the University of Michigan! Canadian students and scholars are often very familiar with the United States and with U.S. culture. There are, however, some important issues for Canadians to consider as far as the U-M health insurance requirement is concerned. Insurance RequirementF-1 and J-1 international students whose I-20 or DS-2019 was issued by the University of Michigan are required to enroll in the U-M International Student/Scholar Health Insurance Plan or demonstrate that they have insurance that is comparable to the International Student/Scholar Health Insurance Plan. A worksheet that will help you determine whether or not your health insurance might be comparable to the U-M International Student/Scholar Health Insurance Plan is available from the insurance office at the International Center. Provincial Health CoverageHealth coverage provided by your Canadian province (OHIP, etc.) is not acceptable as a substitute for the U-M International Student/Scholar Health Insurance Plan because it does not pay for the true U.S. costs of health care. Depending on this provincial coverage could result in financial hardship in cases of serious illness or injury. Travel InsuranceIn general, we do not consider travel insurance to be comparable to the International Student/Scholar Health Insurance Plan. Travel insurance is insurance that is in effect for a short period time (60 – 90 days, for example) and is designed for short trips, not for students who will be living in the United States for an academic year or more. Insurance that you plan to substitute for the U-M International Student/Scholar Health Insurance Plan should be in effect at least through August 31 of the current academic year unless you plan to leave the University permanently before then. “Emergency Only” InsuranceInsurance that covers “emergencies only” is also not comparable to the International Student/Scholar Health Insurance Plan. Again, these “emergency only” policies are designed for short trips, not for students who will be living in the United States for an academic year or more. Last updated: 5/07 |
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