Your plan from AÉTELUQ

The Plan

You are automatically enrolled in a student supplemental group insurance plan through your student association. For less than $25/month, you can benefit from an advantageous coverage, in addition to a host of discounts and preferential rates from our Discount Network

However, if you do not wish to take advantage of these benefits, you must withdraw from the plan during your course enrolment process, by unchecking the AETELUQ Group Insurance Benefit Premium on your invoice. It will appear before you complete the checkout process and before you pay your tuition fees. If it is left checked, there will be no subsequent opportunity to withdraw.

AETELUQ provides you with extended health insurance, dental and eye care, as well as accident and travel insurance.

Plan Enrollment Travel assistance Registration and Coverage Period Amendment Period Family Coverage

Plan Enrollment

The insurance premium is included in your tuition invoice. The coverage period is for four (4) consecutive months. By subscribing to the plan, you get the benefits of dental, health, travel, vision, and more!

If you maintain the insurance plan and re-enroll in a course within two (2) months of the end of your coverage, your participation in the plan will automatically be extended. This automatic extension of coverage can occur a maximum of two (2) times, after which plan membership becomes optional again.

	Health, Dental, and Travel
Per 4 months period	$99
Extended Coverage (8-month extension period to your individual 4-month)	$198

To extend your coverage, please complete the following form and send it, along with payment, to student@majorplan.ca.

Extend your coverage

Travel assistance

Please note! There has been a change of insurer for accident and travel insurance. As of January 1, 2025, it will be switched from AIG to Zurich. So, for people who started coverage in 2024, the accident and travel insurer is AIG. For people who began coverage in 2025, the insurer becomes Zurich. Here are the travel assistance telephone numbers for each of the insurers that correspond to your situation.

Travel assistance number for people who began coverage in 2025

Here is the telephone number to contact for travel insurance assistance: 1 877-541-0127 toll-free from the U.S. and Canada;
1 416-649-2555 collect from anywhere else in the world

 

Registration and Coverage Period

The coverage period is for four (4) consecutive months and the effective date of the insurance is linked to the course enrolment date.

Within days of registering, you can contact our customer service department to request confirmation of coverage, at student@majorplan.ca.

Amendment Period

Claims can be submitted once academic fees, including the plan premium, have been paid. However, claims will not be reimbursed until the end of the amendment period. This period is the first 30 days following the beginning of coverage. During the amendment period, plan coverage can be extended to your children at an affordable family rate.

Family Coverage

For the first thirty (30) days of your coverage, you can extend your plan coverage to your dependents, making it an affordable family plan.

To do so, you must add an 8-month extension to your current AETELUQ coverage and add your dependents (12 months).

	Health, Dental, Accident and Travel
Extension of coverage (8 additional months to the initial 4 months)	$198
Addition of child(ren)* OR spouse (same coverage as the insured)	$297
Addition of child(ren)* AND spouse (same coverage as the insured)	$594

*Unlimited number of children

Please complete and forward the Family Coverage form for your dependents before the end of the modification period. Our team will then analyze the application received and contact you within 5 business days. Wait for the confirmation of a member of our team to know the amount of the contribution to be paid as well as the payment terms.

Family Coverage

 

 

Coverage Offered by

Heath and dental: Assumption Life
Accidents and travel: Zurich

 

Coverage

The coverage period is for four (4) consecutive months and the effective date of the insurance is linked to the course enrolment date.

Plan coverage allows for supplementary health, dental, accident, and travel coverage. Note that prescription drug coverage is not included in your plan and does not replace the prescription drug insurance coverage required by the government of Québec (Régie de l’assurance maladie du Québec).

Health Care Dental Care Vision Accident Travel2020 Coverage

Coverage details for student members who began coverage in 2024 → 2024 Coverage

Here are the details of the coverage that will be effective from January 1, 2025

Health Care

The supplementary health coverage provided by your student association’s plan covers several health care services not covered by the government of Québec (Régie de l’assurance maladie du Québec).

The policy number for health care claims is: 66706

Note that prescription drug is not included in the plan.

Student coverage does not replace the prescription drug coverage now required by the Quebec government. Additionally, international students must be enrolled in a prescription drug insurance plan.

Keeping your Major Plan coverage will allow you to benefit from discounts and preferential rates from partners such as Clinique Virtuelle, Énergie Cardio, Nautilus Plus, and many others. Visit the Discount Network section of our website for more details.

Discount Network

The information provided is for reference purposes only. Clauses in the coverage contract take precedence. Some age restrictions may apply. A doctor’s note may be required and some services may only be performed by a recognized professional. Your claim must be received by Major Plan’s claims department no later than 365 days after the date you received the service.

Dental Care

Thanks to coverage from your Student Plan, you may receive up to $750 in dental care reimbursements per coverage period.

The policy number for dental claims is: 66706
For claims made directly from the dentist’s office, you may need to provide the alphanumeric identifier TELUS ADJUDICARE 34 / AUTOBEN.

It is important you obtain a treatment plan from your dental care provider in order to determine coverage eligibility, particularly if the cost of the procedure exceeds $200.

Keeping your Major Plan coverage will allow you to benefit from discounts and preferential rates from Centres Dentaires Lapointe. Visit the Discount Network section of our website for more details.

Eligible costs are as determined by the Dental Association of the Canadian province where the insured individual resides (generalist rate). The information provided is for reference purposes only. Clauses in the coverage contract take precedence. Some restrictions may apply. A doctor’s note may be required and some services may only be performed by a recognized professional. Your claim must be received by Major Plan’s claims department no later than 365 days after the date you received the service.

Vision

Vision coverage provides you with eye exams at a reduced cost and reduces the cost of prescription eyeglasses or contact lenses. The plan also covers laser vision surgery.

The policy number for Vision claims is: 66706

You can benefit from additional savings through our partnership with IRIS The Visual Group. Details are available in the Discount Network section. When signing up for the IRIS Advantage program, use your permanent code when prompted for a member number.

Accident Insurance

Maintaining your student plan coverage means you’ll benefit from affordable coverage in case of an accident.
Accident insurance under your plan provides benefits covering a wide range of situations, such as dental costs stemming from an accident, and health care costs.
Accident insurance also covers the costs of hospitalization, chiropractor, and physiotherapist services, allowing you to devote your energy to recovering from the accident.

Your policy number for Accident claims is: (coming soon)

What constitutes an accident?
An accident is defined as an unintentional and unplanned event caused by an external source.

Compensation in Case of Accidental Death and Dismemberment (AD&D)

Please refer to the loss schedule included in the Accident Insurance Passport for more information about reimbursement terms.

 

Accident Insurance Claim

To submit a claim, please contact Zurich at zurichGroup@crawco.ca

You can also contact our customer service department at 1-877-976-2567.

If your other insurance plan includes dental trauma coverage or other supplementary health care coverage, you must submit your claim to Zurich in a second. However, the Major Plan team remains available to help you with the coordination of the benefits process.

Your policy number for Accident claims is: (coming soon)

Please note: Deadlines apply for submitting a claim.

	Time Between the Accident and Resulting Injury or Loss	Maximum Time Before First Reimbursement
Death and Dismemberment	No more than 365 days after the accident
Assessment fees, Paramedical fees, and Accident-related Dental	No more than 30 days after the accident	Within 52 weeks of the accident that caused the injury

Please note that you have 90 days to submit a notice of claim after death, loss of sensation, loss of limb, or total or partial paralysis.

Travel Insurance

The Travel component of the Plan offers coverage for medical emergencies abroad and travel cancellations up to $5 million.

Your policy number for Travel claims is: (coming soon)

To submit a Travel insurance claim, contact Zurich directly at → travelclaims@wtp.ca. Coverage is valid for trips up to 180 consecutive days. In addition, travel must take place during the current coverage period.

Coverage is valid for trips up to 180 consecutive days. In addition, travel must take place during the current coverage period.

 

Please note that students aged 86 and over are not covered by travel insurance. If you have any questions regarding travel coverage, please contact a Major Plan Client Services representative.

Travel Insurance Claim

To submit a claim, please contact Zurich at → travelclaims@wtp.ca.

You can also contact our customer service department at 1-877-976-2567.

Coverage Offered by

Heath and dental: Assumption Life
Accidents and travel: Zurich

 

 

 

 

2024 Coverage

Note that prescription drug coverage is not included in your plan and does not replace the prescription drug insurance coverage required by the government of Québec (Régie de l’assurance maladie du Québec).

• • 2024 Health coverage

    

    The information provided is for reference purposes only. Clauses in the coverage contract take precedence. Some age restrictions may apply. A doctor’s note may be required and some services may only be performed by a recognized professional. Your claim must be received by Major Plan’s claims department no later than 365 days after the date you received the service.

• • • 2024 Dental coverage

      

      Eligible costs are as determined by the Dental Association of the Canadian province where the insured individual resides (generalist rate). The information provided is for reference purposes only. Clauses in the coverage contract take precedence. Some restrictions may apply. A doctor’s note may be required and some services may only be performed by a recognized professional. Your claim must be received by Major Plan’s claims department no later than 365 days after the date you received the service.

• • 2024 Vision coverage

    

    The information provided is for reference purposes only. Clauses in the coverage contract take precedence. Some age restrictions may apply. A doctor’s note may be required and some services may only be performed by a recognized professional. Your claim must be received by Major Plan’s claims department no later than 365 days after the date you received the service.

• • 2024 Accident coverage

    

    Please refer to the loss schedule included in the Accident Insurance Passport for more information about reimbursement terms.

    Accident Plan

    Accident Insurance Claim

    To submit a claim, please contact the AIG Insurance Company of Canada directly at 1-877-317-8060 or AHClaimscan@aig.com.

    You can also contact our customer service department at 1-877-976-2567.

    If your other insurance plan includes dental trauma coverage or other supplementary health care coverage, you must submit your claim to AIG first. However, the Major Plan team remains available to help you coordinate the benefits process.

    Your policy number for Accident claims is: SRG 914 0579-003

    Please note: Deadlines apply for submitting a claim.

    	Time Between the Accident and Resulting Injury or Loss	Maximum Time Before First Reimbursement
    Death and Dismemberment	No more than 365 days after the accident
    Assessment fees, Paramedical fees, and Accident-related Dental	No more than 30 days after the accident	Within 52 weeks of the accident that caused the injury

    Please note that you have 90 days to submit a notice of claim after death, loss of sensation, loss of limb, or total or partial paralysis.

• • 2024 Travel coverage

    

    Please note that students aged 86 and over are not covered by travel insurance. If you have any questions regarding travel coverage, please contact a Major Plan Client Services representative.

Claims 101

There are several ways to submit a claim. Claims can be submitted by email, directly with a professional, through the mobile app or web portal, by fax, or by mail.

When making claims, it is important to provide your name, your TELUQ student number and your policy/group number. Additionally, by providing your direct deposit information, you will receive your payment much faster.

Claims are processed within six (6) business days of document receipt.

For travel claims, please contact AIG directly at 1 877 207-5018. For accident claims, please contact 1-877-317-8060.

You also have the option of submitting a claim directly from the dentist’s office by filling out a dental claim form, available on the Major Plan website, or at your dentist’s office. The TELUS ADJUDICARE 34 / AUTOBEN alphanumeric identifier, policy/group number, and TELUQ student number must be provided to the professional when the form is being filled out.

When your tuiton fees have been fully paid, you will be able to submit your claims retroactively. Your request for reimbursement must be received by Plan Major’s claims department no later than 365 days after the date you received the service. It is also not recommended to wait this long to submit your claims.

Since it is possible that you are covered by another insurance plan, your association offers you a supplemental insurance plan that allows the coordination of benefits for which you are eligible. Coordination of benefits allows you to combine the benefits and services from your student plan with those received from your parents’, your spouse’s, or your employer’s plan. It is important to confirm the existence of other coverages and to compare them.

 

Health and Dental Claims

There are several ways to submit a claim. Claims can be submitted by email, directly with a professional, through the mobile app or web portal, by fax, or by mail.

Email

To submit a claim by email, scan or take a picture of your invoice (dental or paramedical) using your smartphone, and email it to claim@majorplan.ca.
Your name, student code, your policy number must be included at the top of the email, as well as a void cheque.

Directly from the Health Care Professional

Dental offices may submit a dental claim form directly if requested. The amount of the bill could be reduced immediately, depending on the terms of the coverage. The TELUS ADJUDICARE 34 / AUTOBEN alphanumeric identifier, policy/group number, and TELUQ student number must be provided to the professional when the form is being filled out.

Mobile App and Web Portal

Claims can be submitted through our mobile app and web portal. Submission of claims and uploading of receipts can be done directly from your profile. In addition, we highly recommend that you provide your banking information under “Direct Deposit” if you wish to receive your reimbursement more quickly.
You will be prompted to create an ID using your certificate number (TELUQ student number), policy/group number, date of birth, and postal code noted in your academic file.

Web PortalGoogle PlayApple Store

Fax and Mail

Submit your claims by providing copies of your health care receipts and/or claim form by fax, or mailing them to the following address:

Major Plan
CP 70025 SUCC QUÉBEC-CENTRE,
Québec, QC, G2J 0A1

Fax: 1-819-205-0714

Please ensure that your name, your TELUQ student number provided by your educational institution, as well as your policy/group number are included in all your correspondence with us. Please note: in order to expedite the repayment of your claims, it is highly recommended that you send us a void cheque.

 

Watch the video to learn how to make a claim ↓

Steps to submit a claim

 

Accident and Travel Claims

Procedure for people who began coverage in 2024

To file a claim for accident and travel insurance, we invite you to contact AIG Insurance Company of Canada (AIG) directly. Please note that there are two separate telephone numbers to reach them, depending on whether you are making an accident or travel claim.

• Accident

  For accident claims, you must contact AIG at 1 877 317-8060. Please note that accident coverage always applies second when you already have health coverage. If in doubt, don’t hesitate to contact us. We’ll be happy to refer you and help you through the process. Please ensure that your name, your permanent code, and your policy/group number are included in all your correspondence with AIG.

• Travel

  For travel claims, please contact AIG directly at 1 877 207-5018. Please ensure that your name, your permanent code, and your policy/group number are included in all your correspondence with AIG.

Procedure for people who began coverage in 2025

Please note! Change of insurer for accident and travel insurance from January 1, 2025 (Zurich). Please note the new procedures for submitting accident and travel insurance claims.

• Accident

  For accident claims, you have 3 options:

  1.via Zurich’s electronic portal ↓
  Zurich electronic portal

  2. By e-mail to zurichGroup@crawco.ca, submitting your receipts and the evidence required to assess your file.

  3. By mail to the following address: Zurich Group Claims C/O Crawford & Company, 100 Milverton Drive, Suite 300, Mississauga (Ontario), L5R 4H1. By submitting your receipts and the evidence required to assess your file.

  Remember to include your name, student number and accident group number in all communications.

  Please note that when claiming for treatment received as a result of an accident, accident coverage always applies second when you already have health coverage. If in doubt, don’t hesitate to contact us. We’ll be happy to refer you and guide you through the process.

• Travel

  For travel claims, contact Zurich at → travelclaims@wtp.ca.

  You must include your name, student number, and travel group number at the beginning of your emails.

  It is important to contact Zurich Travel Assistance prior to treatment so they can verify certain information:

  1. Confirm insurance coverage

  2. Pre-approve treatment

  3. Zurich can then recommend places for treatment abroad.

   

  Here are the telephone numbers for travel assistance: 1 877-541-0127 toll-free from the U.S. and Canada
  1 416-649-2555 collect from anywhere else in the world

Coordination of Benefits

Since it is possible that you are already covered by another insurance plan, your association offers you a supplemental insurance plan that allows the coordination of benefits for which you are eligible. Coordination of benefits allows you to combine the benefits and services from your student plan with those received from your parents’, your spouse’s, or your employer’s plan. It is important to confirm the existence of other coverages and to compare them. Claims for reimbursement can be made to multiple plans, however, the total sums received under all claims may not exceed 100% of the costs incurred. For this reason, it is important to determine the order in which claims should be submitted to your various group plans in order to combine benefits.

The order in which claims are submitted to multiple group plans is determined by your coverage type.

• Policyholder: your employers’ or student association’s plan.
• Dependent and Spouse: your parents’ or your spouse’s employers’ plan.

• Coordination with Your Employer’s Plan

  The procedure to coordinate your student association’s plan with your employer’s plan is as follows:

  1. Submit your health or dental claim to your employer’s plan’s insurance company, making sure to keep a copy of the receipts if submitted by mail.
  2. Once the claim is processed, you will receive a “Statement of Benefits” from your employer’s insurance company.
  3. Submit your claim to Major Plan along with a copy of your health care or dental receipts, the appropriate form, and the “Statement of Benefits.”
  4. Major Plan will send you the eligible amount, and the second “Statement of Benefits” will be available for download from the web portal.

• Coordination with Your Parents’ or Spouse’s Plan

  The procedure to coordinate your student association’s plan with your parents’ or spouse’s plan is as follows:

  1. Submit your health or dental claim to Major Plan, making sure to keep a copy of the receipts if submitted by mail.
  2. Once the claim is processed, download the “Statement of Benefits” from the Major Plan web portal.
  3. Submit your claim to your parents’ or spouse’s plan’s insurance company along with a copy of your health care or dental receipts, the appropriate form, and the “Statement of Benefits.”
  4. Your parents’ or spouse’s insurance company will send you the eligible amount along with a second “Statement of Benefits.”

• Coordination with Two (2) Student Supplemental Plans

  You may be studying in two (2) educational institutions and benefit from a supplemental insurance plan for both. If this is the case, the procedure to coordinate both of your student association’s plans may vary according to your student status (full-time or part-time). Full-time or part-time student status is established by your educational institution.

   

  If you have FULL-TIME student status with one of your educational institutions, and PART-TIME status with the other:

  1. Submit your health or dental claim to the plan insurance company for the educational institution in which you have FULL-TIME student status, making sure to keep a copy of the receipts if submitting by mail.
  2. Once the claim is processed, you will receive a “Statement of Benefits” from this educational institution’s insurance company.
  3. Submit your claim to the plan insurance company for the educational institution in which you have PART-TIME student status along with a copy of your health care or dental receipts, the appropriate form, and the “Statement of Benefits.”
  4. The above educational institution’s insurance company will send you the eligible amount along with a second “Statement of Benefits.

   

  If you have the same student status in all your educational institutions FULL-TIME/FULL-TIME or PART-TIME/PART-TIME:

   

  When your student status is the same in both of your educational institutions, the order of precedence for the 1st payer is determined according to the coverage start date of the oldest plan.

  1. Submit your health or dental claim to the insurance company for the educational institution whose plan’s coverage start date is the oldest, making sure to keep a copy of the receipts if submitting by mail.
  2. Once the claim is processed, you will receive a “Statement of Benefits” from the educational institution’s plan insurance company.
  3. Submit your claim to your second plan’s insurance company along with a copy of your health care or dental receipts, the appropriate form, and the “Statement of Benefits.”
  4. The above insurance company will send you the eligible amount along with a second “Statement of Benefits.”

   

  If the precedence of the first payer cannot be established, your claim will be subject to a proration of the benefits, meaning that the benefits paid by the insurance plans are calculated according to the amount that would be paid by each plan if it was 1st payer. For more information, contact customer service.

   

  EXAMPLE : Eligible dental costs $70
  Plan A (Co-insurance 70%): Liability as 1st payer $49
  Plan B (Co-insurance 60%): Liability as 1st payer $42
  

  By adding the sums that would be paid by both plans as 1st payer, we get: $48 + $42 = $91 But the total sums received under both plans may not exceed the eligible costs of $70.

  Plan A (proration: $49 divided by $91 = 53.85%): Benefit paid $37.70

  Plan B (proration $42 divided by $91 = 46.15%): Benefit paid $32.30

• Take Careful Note

  Since it is possible that you are covered by more than one insurance plan, it is important that you inform your insurance companies of this. The total sums received under all your plans for a given item, service received, or care claimed may not exceed 100% of the eligible costs. In some cases, the total sums received under all your plans may be lower than the costs incurred for a given item, service received, or care claimed.

  Failure to provide all the information required for the proper assessment of your file, whether intentional or not, may result in the termination of your coverage plan.

Student Assistance Program

The Student Assistance Program (SAP) provides access to a 24/7 support center. The LifeJourney™ by Telus Health service offers several consultation services and professional interventions focused on short-term problem-solving. Please do not hesitate to contact our team at 1 877-976-2567 if you have any questions regarding this service.

New this year, the support program and telemedicine are now integrated into a single platform! Click in the LifeJourney™ section to access the consultations!

 

Your LifeJourney™

Emergency Helpline

Contact the helpline at 1-855-636-6846 for immediate assistance in an emergency. The Care Ambassador or clinician will assist you and direct you to the appropriate care.

Telus Health Virtual Care Web Portal and Mobile Application

Download the Telus Health Virtual Care mobile application to access a variety of support tools, a documentation center, online consultations, and more. When you first log in, use your group number 66706 as well as your personal login that corresponds to your TELUQ student number.

Through this platform, you will also have access to Telemedicine services. So, by downloading the application and connecting to the portal your health and wellness care will be in one place!

 

Download the mobile application!      Google playApple Store

Telemedicine

Telemedicine is a virtual health care service offered to AETELUQ members. It allows members to communicate securely with a health care professional by messenger, video, or audio chat, without having to visit the doctor’s office. The service is available 24 hours a day, 7 days a week.

By enrolling in the Major Plan Supplemental Group Insurance, you will automatically have access to the Telemedicine service.

You will have quick and easy access to family medicine, nutrition, mental health, and naturopathy services. In addition, physicians and nurse practitioners are authorized to make diagnoses, renew prescriptions, request tests, and much more. By downloading the Telus Health Virtual Care mobile app, you will be able to take advantage of all the services offered by Telemedicine.

Download the mobile application!      Google playApple Store

 

 

• What Is an NP?

  Nurse practitioners (NP) are nurses that have clinical experience in a specific area, and who have taken advanced 2nd cycle [graduate] training in nursing sciences and medical sciences, allowing them to prescribe diagnostic tests and treatments, and conduct some invasive procedures.

• How to Generate Your Account Status?

  1- On the MaTÉLUQ portal, click ‘’Administrative File’’
  2- Select ‘’My Files’’
  3- Under ‘’My Files’’, select the date of the most recent file to display, save or print it.

Family Coverage

AETELUQ student members can get family coverage for $15 a month. This family coverage provides access to unlimited consultations for all your children, and/or your spouse.

Resource Center

Below, you will find useful information such as coverage contracts, limitations, and the information management policy

• Forms

  Dental Claim Form

  Family Coverage

• Coverage Contracts

  Health and dental 2025

  Accident 2025

  Travel 2025

  Health and dental 2023

  Health ans dental 2024

  Accident 2023-2024

  Travel 2023-2024

   

• Limitations and exclusions

  Health and Dental – coming soon

  Accident and Travel

• Travel and Accident

  Travel Passeport – coming soon

  Travel Insurance Summary

  Accident Insurance Summary

• Student Assistance Program

  SAP Explanatory Document

• Telemedicine

  Telemedicine Explanatory Document

• Archives

  2019 Brochure (coming soon)

• Coverage offered by

  Heath and dental: Assumption Life
  Accidents and travel: Zurich

Withdrawal

If you do not wish to take advantage of these benefits, you must withdraw from the plan during your course enrolment process, by unchecking the AÉTELUQ Group Insurance Benefit Premium on your invoice. It will appear before you complete the checkout process and before you pay your tuition fees. If it is left checked, there will be no subsequent opportunity to withdraw.

If you maintain the insurance plan and re-enroll in a course within two (2) months of the end of your coverage, your participation in the plan will automatically be extended. This automatic extension of coverage can occur a maximum of two (2) times, after which plan membership becomes optional again.