Frequently asked questions

COVERAGE

Why do I need a Health Plan?

International students must be covered by a primary health-care plan when they arrive in Canada.

Without primary health coverage, the high cost of medical services outside your home country could limit your access to the care you need, or leave you with a large debt to pay.

To ensure that you can focus on your studies abroad, you will be able to rest easy knowing that Studentcare and Manitoba Blue Cross is insuring your health and well-being.

How do I know if I’m covered?

All eligible international students are automatically covered by/enrolled in the Manitoba International Student Health Plan.

What is my Coverage Card?

Your Coverage Card will arrive by email. Please make sure to check your student inbox and junk folder. If you have not received it by Sept. 30, or if you have lost it, please click here to request a new one. You must show it to medical staff to receive care and be eligible for reimbursement.

If you are eligible for the plan but are still waiting for your Coverage Card, you will need to pay up front for any medical expenses you incur during that period. Once you’ve received your Coverage Card, please submit your claim to Manitoba Blue Cross and you will be reimbursed for any eligible expenses.

I lost my coverage card, can I get a new one?

Yes. You can request a new card here after Sept. 30

Can I enrol my family?

Yes. You can enrol your family (spouse and/or dependant(s) under age 18) in the plan by paying an additional fee*. Common law and same-sex couples are eligible.

Dependants must be under age 18 and enrolled within 30 days of the student’s coverage term start date, though their own coverage may begin later. A dependant’s coverage starts at the beginning of their first term (fall, winter, or summer) in Manitoba and continues until the end of the policy year.

Note that children born in Canada are not eligible.

*Coverage fees for dependants vary based on the institution you are studying at and on the coverage length requested.

Click here to add dependants now.

Can I OPT OUT?

It is mandatory for international students in Manitoba to have primary health coverage. If you were billed for MISHP and are already covered by Manitoba Health, you can opt out by providing proof of coverage.

Opt outs for the University of Manitoba and the University of Winnipeg are managed by Studentcare. Contact us by email for more information.

Opt outs for Brandon University are managed by Financial & Registration Services. If you currently have provincial health coverage, you must provide them with your confirmation of coverage letter immediately. Please see the request form for further instructions.

How is this different from the UMSU Student Health & Dental Plan?

MISHP provides you with primary health coverage, which allows you to access medical services in Canada from doctors, clinics, and hospitals.

The UMSU Student Health & Dental Plan is a supplementary plan available to undergraduate students at the University of Manitoba who are UMSU members. It covers benefits not provided by primary health coverage, including services like vision care, dental care, prescription drugs, and physiotherapy.

For details on what is covered by the UMSU supplementary plan, visit www.studentcare.ca.

CLAIMS

Who is the benefits carrier and the administrator?

Manitoba Blue Cross is the benefits carrier and Studentcare is the administrator of the plan.

How do I submit a claim?

When seeking services from a health and medical provider (e.g. doctor, chiropractor, pharmacist, etc.), please present your Coverage Card and valid photo identification (e.g. student ID card, driver’s license). Providers who are set up for direct billing will not charge you for eligible services. However, if you are charged for services, download, print, and submit the claim form, along with your original receipts, to Manitoba Blue Cross and you will be reimbursed for eligible expenses.

You can submit to Manitoba Blue Cross:

By Mail
Manitoba Blue Cross
PO Box 1046, Stn Main
Winnipeg, MB R3C 2X7

In Person/Dropbox
Manitoba Blue Cross
599 Empress Street
Winnipeg, MB R3G 3P3

Claims will be processed within 15 business days.

Download the claim form here.

What if my claim is rejected?

Call 204-788-6800 to speak with a Manitoba Blue Cross representative about the reason for your claim's rejection, and possibilities for resubmission. Make sure to have your ID and Policy numbers handy.

What is the deadline for submitting claims?

All claims must be received by Manitoba Blue Cross within 6 months of the date of service.

CAN I RECEIVE MY REIMBURSEMENT BY DIRECT DEPOSIT?

Yes. If you wish to receive your reimbursement by direct deposit, fill out the application by completing the PDF for direct deposits. Download the form here.

CLINICS

Where is my on-campus clinic?

You can receive medical care at any clinic in Manitoba. Please present your Coverage Card and Photo ID upon arrival. Providers who are set up for direct billing will not charge you for eligible services. However, if you are charged for services, submit a claim form, along with your original receipts, to Manitoba Blue Cross and you will be reimbursed for eligible expenses.

You can also visit your on-campus clinic located here:

University of Manitoba
104 University Centre
Fort Garry Campus
Winnipeg, MB R3T 2N2
204-474-8411

University of Winnipeg
Wellness Centre
Duckworth Centre, Room 1D25
400 Spence Street
Winnipeg, MB R3B 2S4
204-786-9496

Can I go to any clinic in Manitoba?

Yes, you can go to any clinic to receive medical care. Make sure to show your Coverage Card and Photo ID.

Still unsure of where to go for treatment?

Knowing where to go may improve your care. Visit http://healingourhealthsystem.ca/where-to-go.php for more information.