Health Insurance

In Canada, health care can be very expensive. As a University of Toronto Mississauga student, you are required to have health insurance coverage for the duration of your studies at UTM. The sections below will provide you with details on the health coverage options available to students: 

       UHIP - University Health Insurance Plan  Supplemental Insurance - UTMSU        Guard Me International Students Insurance

Univeristy Health Insurance Plan (UHIP) - for most international students     

Greenshield Coverage- additional coverage for all students

Guard Me International Insurance - for Summer ACE@UTM students

University Health Insurance Plan

The University Health Insurance Plan (UHIP) is a mandatory health insurance plan for certain international students to ensure you have basic health care coverage while studying in Ontario.

As an international student or exchange student, you are automatically enrolled in UHIP and the coverage charge will be listed on ACORN (your student account). UHIP coverage may also be extended to your eligible dependent family member(s). The UHIP insurer is Sun Life Assurance Company of Canada.

Upon visiting a healthcare provider you will be required to present your UHIP card. If visiting a preferred provider (i.e. a provider that accepts UHIP, such as the UTM Health and Counselling Centre), the provider will record your information and invoice Sun Life directly towards medical consultation fees. If not, you may have to pay out of pocket for your medical expenses, even if those expenses are covered under UHIP. If that happens, you will have to submit your expenses to Sun Life for reimbursement. Make sure you obtain a receipt for medical services you receive from your health care provider, and remember to bring a claim form with you when visiting a health care provider.

Register online, print your UHIP card and carry it with you!

Learn more about UHIP:

Supplemental Insurance

You automatically receive medical and dental insurance coverage through your student association, namely the:

  • Association of Part-time University Students (APUS) for part-time undergraduate students
  • University of Toronto Graduate Students' Union (GSU) for graduate students
  • University of Toronto Mississauga Students' Union (UTSU) for full-time undergraduate and professional faculty students

Learn more about supplemental plans:

Guard Me International Insurance

Students participating in the Summer Academic Culture, and English Program (ACE@UTM) receive health coverage through Guard Me International Insurance - not UHIP.

Visit Guard Me International Insurance for more information regarding coverage.