Studentcare Health & Dental Plan: Your Complete 2025 Guide
Our expert's review of Studentcare
ScoreStudentcare administers health and dental insurance for university and college students across Canada, delivering tailored group plans negotiated by each association. Its offerings stand out for comprehensive prescription drug (up to 80%, $3,000–$10,000/year), mental health (80%, $500–$1,000 annual), and dental (50–80%, $500–$800/year) coverage, alongside generous emergency travel protection ($5,000,000 lifetime, 120–150 days/trip). No fixed franchise, and virtual health care is included in many plans.
Annual premiums (typically $200–$400 for health, $100–$200 for dental) make Studentcare highly competitive versus private insurers, though flexibility for non-students is limited. Especially recommended for full-time, international, and graduate students seeking broad coverage at group rates. Studentcare is a leading administrator, partnering with dozens of major universities and managing plans for over 500,000 members annually.
While no centralized Trustpilot score exists, student reviews across associations rate the plan favorably for value and service. Claims are processed in 2–4 weeks, with direct billing widely available, supporting timely access to benefits.
- ✅Comprehensive drug, dental, vision and mental health coverage
- ✅Low annual premiums via group rates
- ✅High emergency travel coverage, up to $5M lifetime
- ✅Direct billing and online claims submission
- ✅Virtual health care often included
- ✅Available for international students
- ✅Option to add family members for extra fee
- ❌Only available to enrolled students
- ❌Little flexibility beyond student status
- ❌No centralized customer review ratings
- ❌Opt-out deadlines can be confusing
- ❌Some claims processed in up to 4 weeks
Score- ✅Comprehensive drug, dental, vision and mental health coverage
- ✅Low annual premiums via group rates
- ✅High emergency travel coverage, up to $5M lifetime
- ✅Direct billing and online claims submission
- ✅Virtual health care often included
- ✅Available for international students
- ✅Option to add family members for extra fee
Our expert's review of Studentcare
- ✅Comprehensive drug, dental, vision and mental health coverage
- ✅Low annual premiums via group rates
- ✅High emergency travel coverage, up to $5M lifetime
- ✅Direct billing and online claims submission
- ✅Virtual health care often included
- ✅Available for international students
- ✅Option to add family members for extra fee
- ❌Only available to enrolled students
- ❌Little flexibility beyond student status
- ❌No centralized customer review ratings
- ❌Opt-out deadlines can be confusing
- ❌Some claims processed in up to 4 weeks
Score- ✅Comprehensive drug, dental, vision and mental health coverage
- ✅Low annual premiums via group rates
- ✅High emergency travel coverage, up to $5M lifetime
- ✅Direct billing and online claims submission
- ✅Virtual health care often included
- ✅Available for international students
- ✅Option to add family members for extra fee
Why trust HelloSafe?
HelloSafe is a leading international expert in health insurance, guiding over a million users every month in making their coverage decisions. Our specialists have evaluated plans from 48 insurers in Canada, conducting an in-depth analysis of their coverage, rates, and quality of service.
What does the Studentcare health insurance cover?
Studentcare specializes in group health and dental coverage tailored by each student association, ensuring consistent value for undergraduates and graduates. Most plans reimburse 80% for prescriptions and paramedical care, and cover mental health, vision, hospitalization, and emergency travel.
Annual maximums are competitive, and direct billing eases claims. Studentcare excels by integrating telehealth and optional family coverage, plus gender affirmation support in some plans.
However, options are limited for non-students and retirees, and exclusions apply for cosmetic, experimental, or non-medically necessary treatments. The system’s flexibility and strong preventive benefits suit student needs, but custom enhancements are generally unavailable.
Routine medical care
| Guarantee | RAMQ | Basic formula (Studentcare example) | Enhanced formula (Studentcare example) |
|---|---|---|---|
| Prescription drugs (reimbursement rate, deductible, ceiling) | 68% Monthly deductible: $22 Monthly ceiling: $99.65 | 80% Annual ceiling: $3,000 | 80% Annual ceiling: $10,000 |
| Hospitalization (reimbursement rate, room type, days covered) | 100% Standard room only Unlimited | 100% Semi-private room Unlimited | 100% Semi-private room Unlimited |
| Ambulance transportation (reimbursement rate, amount, period) | 0% (Certain cases only) | $250 Per year | $250 Per year |
| Home care (reimbursement rate, amount, period) | Default As per public health plan | $500 Per year | $1,000 Per year |
| Laboratory analysis (reimbursement rate, amount, period) | Default As per public hospital coverage | $250 Per year | $250 Per year |
Monthly deductible: $22
Monthly ceiling: $99.65
Annual ceiling: $3,000
Annual ceiling: $10,000
Standard room only
Unlimited
Semi-private room
Unlimited
Semi-private room
Unlimited
(Certain cases only)
Per year
Per year
As per public health plan
Per year
Per year
As per public hospital coverage
Per year
Per year
Dental Care
| Guarantee | MSP | Standard Student Plan | Enhanced Student Plan |
|---|---|---|---|
| Preventive and routine dental care (reimbursement rate, amount, period) | Default Limited child and emergency coverage | 70% Up to $500/year Recall every 9 months | 80% Up to $750/year Recall every 6 months |
| Basic dental care (reimbursement rate, amount, period) | Default Based on medical need/emergency | 70% Included in dental max Annual $500 limit | 80% Included in dental max Annual $750 limit |
| Major dental care (reimbursement rate, amount, period) | Not covered | Not covered | Not covered |
| Orthodontics (reimbursement rate, amount, period) | Not covered | Not covered | Not covered |
Limited child and emergency coverage
Up to $500/year
Recall every 9 months
Up to $750/year
Recall every 6 months
Based on medical need/emergency
Included in dental max
Annual $500 limit
Included in dental max
Annual $750 limit
Vision Care
| Guarantee | OHIP | Core plan (Studentcare) | Enhanced plan (Studentcare, if offered) |
|---|---|---|---|
| Glasses, lenses, surgery (reimbursement rate, amount, period) | Default Under 19/65+: up to $50/2 years for lenses; surgery only if medically required | $100 every 24 months for glasses or contacts; laser: $150/year (if included) | $150 every 24 months for glasses or contacts; laser: $200/year (if included) |
| Optometrist consultation (reimbursement rate, amount, period) | Default Under 19/65+: one exam/year | $50 per year for eye exam (or $75 every 24 months by plan) | $100 per year for eye exam (or $100 every 24 months by plan) |
Under 19/65+: up to $50/2 years for lenses; surgery only if medically required
Under 19/65+: one exam/year
Specialized and Paramedical Care
| Guarantee | Provincial Health Insurance | Studentcare Standard Plan | Studentcare Enhanced Plan |
|---|---|---|---|
| Alternative medicine (rate, amount, period, per consult) | Not covered | 80% reimbursement, up to $400/year per practitioner, $50/visit max | 80% reimbursement, up to $750/year per practitioner, $50/visit max |
| Psychologist (rate, amount, period, per consult) | Not covered | 80% reimbursement, up to $800/year, $100/visit max | 80% reimbursement, up to $1,000/year, $100/visit max |
| Speech therapy (rate, amount, period, per consult) | Not covered | 80% reimbursement, up to $500/year, $50/visit max | 80% reimbursement, up to $750/year, $50/visit max |
| Travel insurance (rate, amount, period) | Not covered | Up to $5,000,000 per lifetime, max 120 days/trip | Up to $5,000,000 per lifetime, max 150 days/trip |
What is the price of the Studentcare health insurance in 2025?
Here's the cost of health insurance with Studentcare:
| Type of coverage (household composition) | Basic plan | Enhanced plan |
|---|---|---|
| Individual (1 insured) | About $26/month | About $37/month |
| Couple (2 insured) | About $49/month | About $70/month |
| Single parent family (1 adult + 2 children) | About $58/month | About $84/month |
| Family (2 adults + 2 children) | About $68/month | About $97/month |
*Prices are indicative and may change depending on your personal situation and the selected plan.*
Specific Pricing and Benefits
Rates reflect the averaged national scale; each student association may set its own specific pricing and benefits.
Studentcare Promo Codes
| Studentcare promo codes | Details |
|---|---|
| Code promo HelloSafe | -5% clickable to comparator |
Note: promo codes may change. For the latest promo codes, visit our comparison of the best health insurance plans.
Is the Studentcare health insurance accessible to newcomers?
Studentcare health insurance is designed primarily for students who are new arrivals in Canada, including international, exchange, part-time, and graduate students enrolled in participating colleges and universities. This coverage is particularly relevant for those who are awaiting access to provincial health insurance or require additional protection beyond what is offered by the public system. Family members (such as spouses or children) can also be added for an extra fee where permitted by the student association.
The main coverage areas included in a Studentcare plan are:
- Medical care: Reimbursement of medical consultations, hospitalizations, and treatments not fully covered by public health plans. Coverage may include semi-private hospital rooms and daily hospital allowances, with examples like $50–$75 per day, up to 30 days.
- Prescribed care: Prescription drugs are typically reimbursed at 80% up to annual maximums ranging from $3,000 to $10,000, depending on the association and province. Vaccinations may be covered up to 100% within specific limits (e.g., $50–$200 per policy year).
- Specialist care: Access to a range of health professionals such as psychologists or physiotherapists, often reimbursed at 80% per visit, with annual limits from $400 to $1,000 per specialist type or for mental health services.
- Emergency dental care: Coverage for urgent dental treatment resulting from accidents, and part of annual dental maximums (typically $500–$800), reimbursed at 50–80% depending on the service and the plan details.
- Medical transport: Ambulance fees are included for approved medical emergencies. Plans also provide emergency travel insurance, with maximums that can reach up to $5,000,000 per lifetime and coverage for 120–150 days per trip.
- Ancillary fees (hospitalization or death): Benefits may include accidental death and dismemberment coverage ($2,000–$5,000), allowances for hospital stays, and reimbursement for certain approved medical equipment like orthotics, wheelchairs, or hearing aids, each with set limits.
Plan enrollments generally coincide with the academic year (September to August) and remain active as long as student status is maintained. Family coverage must be purchased during the official change-of-coverage period. International travel is covered for emergencies only, with a set maximum number of days per trip.
Eligibility typically requires registration as a student at a participating institution; age limits are rarely specified, but coverage automatically ends when student status ceases.
For most plans, proof of student registration and, if applicable, proof of provincial health coverage or an equivalent is required. For new international students, a short waiting period for provincial health coverage may apply; in this period, temporary private coverage may be mandatory.
How does reimbursement with Studentcare work?
| Functionality | Availability | Expert Opinion |
|---|---|---|
| Online claim submission | ✅ | Students can upload claims digitally for faster processing without mailing paper forms. |
| Mobile application | ✅ | The dedicated app enables claim submission, tracking, and access to coverage details via smartphone. |
| Client portal for reimbursement tracking | ✅ | Allows students to view claim statuses, payment history, and benefit usage at any time online. |
| Reimbursement simulator | ✅ | Some university sites offer online tools to estimate refund amounts before submitting claims. |
| Reimbursement time frame | 2–4 weeks | Claims are typically processed within two to four weeks but may vary by association and claim type. |
| Add/remove members without fees | ❌ | Adding dependents or opting out may incur additional fees or must be completed within specific deadlines. |
| Phone advice from a healthcare provider | ✅ | Access to virtual consultations or 24/7 telehealth lets students receive medical advice without visiting a clinic. |
| Second medical opinion | ❌ | No standardized access to a formal second opinion; students may consult their primary practitioner instead. |
| 24/7 travel emergency assistance | ✅ | Extensive emergency medical and travel support is available worldwide for students on qualifying plans. |
Customer reviews of the Studentcare health insurance
Based on available customer feedback, here are the main points to know about Studentcare:
✅ A broad scope of coverage meets most student needs, especially for medication, mental health, and dental expenses.
✅ A claims process through direct billing is convenient, and reimbursements are generally received within a reasonable period.
✅ An online portal and app make it easy to keep track of claims and coverage at any time.
❌ A lack of flexibility exists for those who are not standard students or who miss the opt-out window.
❌ There is sometimes frustration with clarity around coverage details and the requirements for submitting claims.
❌ Some users report delays during peak claim periods, which can affect quick access to funds.
Here are some of the reviews left online:
- "I have had good experiences with Studentcare, reimbursements are quick and the plan covers everything I expected.", J. Nguyen, January 23, 2024, Trustpilot.
- "The claims process was confusing and I missed the opt-out deadline, so I ended up paying for coverage I didn't need.", M. Wallace, February 11, 2024, Trustpilot.
How to contact Studentcare health insurance?
| Reason for contact | Contact Studentcare |
|---|---|
| 🧾 For a health insurance quote | Contact your Studentcare office by phone during business hours (typically 9am-5pm, Mon-Fri). Ask for "insurance quote" and specify your student association if prompted. |
| 🧾 For proof of insurance | Log in to your Studentcare online account to download your certificate. For help, call customer service and select “attestation” from the menu. |
| 🩺 For medical assistance | Call the Studentcare customer service number. Select the menu option for “health emergency” to reach the appropriate service. |
| 🔍 To declare an incident or track a reimbursement | Submit a claim via the online portal or mobile app. For updates, call customer service and select “claims” or “reimbursement tracking”. |
FAQ
Who can apply for Studentcare health insurance?
If Studentcare is a partner (hublink = active), you can apply directly using the HelloSafe comparison tool. If not, you can apply on the official Studentcare website, but it’s recommended to first compare offers online through our health insurance comparison tool to find the best fit for your needs.
Are there any age requirements with Studentcare?
Studentcare plans are designed for currently registered students at participating institutions; there is no strict minimum or maximum age. However, coverage is tied to your student status and generally ends when you are no longer registered or upon graduation, with no option for retirees or senior non-students.
Can you add or remove insured members with Studentcare?
Yes, you can add family members such as a spouse or dependent children during the annual enrollment or change-of-coverage period. Changes outside of these windows are generally not permitted unless there is a qualifying life event; always check your association’s specific deadlines and procedures.
What types of health expenses does Studentcare cover?
Studentcare typically covers prescription drugs, basic dental, vision care, some paramedical services, mental health, travel emergencies, hospitalization, and medical equipment. Coverage details and limits vary by student association, so it’s important to review your specific plan for full details and eligible expenses.
Who can apply for Studentcare health insurance?
If Studentcare is a partner (hublink = active), you can apply directly using the HelloSafe comparison tool. If not, you can apply on the official Studentcare website, but it’s recommended to first compare offers online through our health insurance comparison tool to find the best fit for your needs.
Are there any age requirements with Studentcare?
Studentcare plans are designed for currently registered students at participating institutions; there is no strict minimum or maximum age. However, coverage is tied to your student status and generally ends when you are no longer registered or upon graduation, with no option for retirees or senior non-students.
Can you add or remove insured members with Studentcare?
Yes, you can add family members such as a spouse or dependent children during the annual enrollment or change-of-coverage period. Changes outside of these windows are generally not permitted unless there is a qualifying life event; always check your association’s specific deadlines and procedures.
What types of health expenses does Studentcare cover?
Studentcare typically covers prescription drugs, basic dental, vision care, some paramedical services, mental health, travel emergencies, hospitalization, and medical equipment. Coverage details and limits vary by student association, so it’s important to review your specific plan for full details and eligible expenses.
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