Health Insurance

Health Insurance

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:

Health and Dental
Guard Me

University Health Insurance Plan

You are automatically enrolled in the University Health Insurance Program (UHIP) starting August 10. Due to COVID-19 quarantine requirements, early coverage during the period August 10 – 31 is available free of charge. Fees for coverage during the regular academic year will be listed on ACORN, your student account.

Your UHIP card was automatically emailed to you, print your card and carry it with you. Alternatively, you can access your UHIP card by following the steps below.


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.

Learn more about UHIP:

UHIP Brochure
Service Eligibility
UHIP Coverage
Make a Claim
Service Fees
Preferred Providers
UHIP Exemptions


International students and their eligible dependents, in Ontario, can receive their flu vaccine free of charge by booking an appointment:
- At a local pharmacy: MedicineShoppeRexall, or Shoppers Drug Mart
- Public Health Clinics, and Community Clinics. 

You do not need an Ontario health card to receive services at these providers. Some physician offices and pharmacies may charge a fee for administering the flu shot. UHIP will cover the administration of the flu shot fee at UHIP rates. Please see guidelines on how to submit a claim if you are charged for your flu shot.

Remember to bring your UHIP card and TCard when visiting a pharmacy or clinic.


Supplemental Insurance

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

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