Frequently Asked Questions
Please see the list below of frequently asked questions about your health insurance. If you have a question about your insurance and you do not find the answer below, please contact the ISA.
I'm feeling sick. Where can I see a doctor?
The Student Health Clinic in the University Centre is open during the weekdays from 8:30 a.m. - 5:00 p.m. (4:30 p.m. in the summer). That is the best place to go because they understand your Foreign Health Insurance and will help you as best as they can. On the weekends, you may be able to go to a public clinic (they are listed in the phone book). If you have an emergency - for example, a serious injury or severe illness - you can go to the emergency room in a hospital (the Health Sciences centre is on the MUN campus, but there are other hospitals in the city). If you go to an emergency room, you should expect a long wait!
My family is coming to join me at MUN, how do I sign them up for insurance?
You can opt-in your dependents to the Foreign Health Insurance Plan if you are enrolled yourself, by visiting the International Student Advising Office and completing an Opt-In form for dependents. While you can opt in your dependents at any time during the semester, it is recommended that this be done before the end of the second week of classes of the given academic semester, in order to ensure that they receive the full semesters worth of coverage. If you have any questions about health insurance dependent coverage, please do not hesitate to contact us.
If you are covered by one of the student union health plans, you must contact them to find out how to add your dependents to the insurance. Their contact information can be found on their website:
- Memorial University of Newfoundland Student Union (MUNSU) www.munsu.ca
- Graduate Student Union (GSU) www.gsumun.ca
- Marine Institute Student Union (MISU) www.misuonline.ca
- Grenfell Campus Student Union (GCSU) www.gcsuonline.ca
I've stayed in Newfoundland for two semesters, and I want to travel during the summer. Do I need to buy extra insurance?
If you are covered by the Foreign Health Insurance (charged automaticlaly if you are registered student), you do not need to buy extra insurance. As long as 50% of your coverage period (the amount of time you've had insurance) has been spent at the university, then you can travel anywhere in the world and still be covered under your insurance. The only exceptions are if you go home or to the U.S.A., your coverage is limited to 30 days. If you are covered by MCP plus another supplemental Canadian health insurance plan, you may have to purchase extra insurance since MCP will not cover you outside the Province and other supplemental health coverage may be conditional on you having a valid MCP, so before you go outside of the Province, you should check with your health insurance provider as you may have to buy extra insurance. It is possible for you to opt back into the Foreign Health Plan for 1 semester as long as you do so before the end of the first week of classes.
I've been offered a work-term outside of Newfoundland OR I will be completing a semester of study abroad. Will my insurance cover me?
Your Foreign Health Insurance will cover you no matter where you go (except in your home country or to the U.S.A.) if the reason for your travel is a work-term or co-op placement that is related to your field of studies. BUT, you will not automatically be enrolled in the Foreign Health Plan if you are on a work term. For that semester, you will need to opt in. For information on this, click here. Your MCP may not cover you outside of the province and other supplemental health coverage may be conditional on you having a valid MCP, so before you go outside of the Province, you should check with your health insurance provider as you may have to buy extra insurance. It is possible for you to opt back into the Foreign Health Plan for 1 semester as long as you do so before the end of the first week of classes.
I am an ESL student/ work term student with MCP, how do I cancel the Foreign Health and transfer to a student union plan?
As an ESL student or a work term student with MCP, you must follow a different process to transfer your foreign health insurance. First, you must visit the ISA and show your MCP card to get a letter confirming you are an ESL student/completing a work term and you have MCP. Second, you must bring that letter to MUNSU office in UC-2000 to pay $292 for the health and dental coverage. Third, you must bring a copy of your receipt from purchasing the MUNSU insurance to the ISA along with your MCP card, to cancel your Foreign Health Insurance. You must do all of this before the end of the first week of classes. The opt out is only valid for one academic year (September to August). This means that you must complete this process every September that you are a registered student.
I sent a claim form to the insurance company for medicines I bought without seeing a doctor, and they sent me a letter back refusing payment. Aren't all medicines covered by my insurance?
If you buy medicine without a prescription (these types of medicines are called "over-the-counter" medicines), then you will not be refunded for what you paid. No insurance company will cover the "over-the-counter" medicines. If you are sick, you should see a doctor before buying something from the pharmacy that may or may not help you.