Association générale étudiante de l’Université du Québec à Trois-Rivières (AGE UQTR)
Coverage 2026-2027
Effective September 1, 2026
Paramedical care
With coverage for paramedical and eye care, you can reduce the cost of visits to various professionals.
Our partnership with Groupe Visuel Iris could provide you with additional benefits by being covered by the Major Plan. Visit the Network Discount section to find professionals near you who offer discounted rates for members who have retained the Major Plan.
Coverage details
Here are the details of the coverage:
| Acupuncturist Dietitian- Nutritionist Naturopath Osteopath Podiatrist |
$20 per visit, up to $400 per professional | |
| Chiropractor Kinesiologist / Physical Therapist (combined) Massage Therapist / Orthopedic Therapist (combined) Physical Therapist Sports Therapist |
$40 per visit Maximum of $400 per professional |
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| Psychologist Psychotherapist Psychoeducator Sexologist Social worker |
$40 per visit Maximum of $400 per professional |
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Vision care
With vision care coverage, you can reduce the cost of eye exams, eyeglasses, contact lenses, and laser vision correction.
Our partnership with Iris Vision Group could give you additional benefits with coverage under the Major Plan.
Coverage details
Our partnership with Groupe Visuel Iris could provide you with additional benefits when you are covered by the Major Plan.
Here are the details of the coverage:
| Prescription glasses/contact lenses | $75 / 24 consecutive months | |
| Eye exam | $45 / 12 consecutive months | |
| Laser vision correction | $150 for life | |
Drug Insurance
With drug coverage, you can reduce the cost of certain medications. Please note that Plan Major is the second (2nd) payer for your drug coverage. You must first submit your claims to the RAMQ or another private insurance company. This student coverage does not replace the drug insurance required by the Government of Quebec.
Coverage details
This student coverage does not replace the drug insurance required by the Government of Quebec.
Here are the details of the coverage:
| Drug Insurance | Maximum combiné de 500 $ / couverture | |
| Contraceptives listed and not listed on the RAMQ list (2nd payer) (Oral contraceptives, IUDs, contraceptive injections, contraceptive rings, contraceptive patches, contraceptive implants) |
70% of costs
Generic drugs in addition to RAMQ, 2nd payer: 70%. |
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| Antidepressants listed and not listed on the RAMQ list (2nd payer) | 70% of costs
Generic drugs in addition to RAMQ, 2nd payer: 70%. |
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| Neurostimulants listed and not listed on the RAMQ list (2nd payer) | 70% of costs
Generic drugs in addition to RAMQ, 2nd payer: 70%. |
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| Vaccines ( not covered on the RAMQ list ) | 100% of costs up to $100 per 12 consecutive months | |
Extended Health Benefits
Thanks to your supplementary student plan coverage, you can take advantage of several health care services that are not covered by the Régie d’assurance maladie du Québec.
Coverage details
This student coverage does not replace the drug insurance required by the Government of Quebec.
By maintaining your Major Plan coverage, you can take advantage of special offers from our partners, such as Clinique Virtuelle, Énergie Cardio, and many others. Visit the Discount-Network section for more details.
Here are the details of the coverage:
| Semi-private hospital room (hospitalization) | 100% of costs – $50 per day Maximum of 30 consecutive days per hospitalization |
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| Ambulance (ground or air) | 100% of expenses – up to $5,000 per claim | |
| Laboratory tests (including prenatal testing: Harmony) MRI scans Private X-rays and ultrasounds (including health screenings and prenatal ultrasounds) |
100% of expenses – maximum combined of $500 per coverage | |
| Cost of private lessons with a qualified instructor (in the event of illness or accident) |
$10 per hour – Max. $300 per accident or illness (Does not apply to dependents) |
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| Home nursing care | 100% of costs – up to $5,000 per claim | |
| Non-motorized wheelchair Ventilator Hospital bed Any other equipment designed for use in a hospital for temporary therapeutic purposes |
100% of costs—purchase or rental Max. $5,000 lifetime (at the insurer’s discretion) |
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| Orthopedic corsets | 100% of the costs—purchase or rental (at the insurer’s discretion) |
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| Crutches Walking sticks Walkers |
100% of the cost – purchase One lifetime coverage per device type (at the insurer’s discretion) |
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| Pressure garments for burns | 100% of costs – purchase or rental Max. $500 per claim (at the insurer’s discretion) |
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| Ocular prostheses | 100% of costs – purchase Max. 1 per eye, lifetime Max. 1 cleaning per year. (at the insurer’s discretion) |
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| Prosthetics | 100% of costs – purchase Max. 1 per amputee member for life (at the insurer’s discretion) |
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| Hearing aid (excluding hearing tests) | 100% of the costs Max. $500 / 36 consecutive months |
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| Bra (post-mastectomy) | 100% of the costs Max. of 2 per coverage |
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| Custom-made orthotics and insoles Orthopedic shoes |
100% of the costs Max. $400 per claim |
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| Hair prosthesis (required due to a medical condition or as a result of chemotherapy treatment) |
100% of costs Max. $400 lifetime |
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| Stockings for varicose veins or phlebitis | 100% of the costs Max. of 2 per policy |
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Dental Care
Thanks to your student plan coverage, you may be eligible for reimbursements for your dental care.
Coverage details
For claims made directly to the dental office, you may need to provide the TELUS ADJUDICARE 34 / AUTOBEN digital identifier.
It is important to obtain a treatment plan from your treating specialist to confirm coverage for the prescribed procedures, especially if the cost of the procedures exceeds $200. Certain limitations may apply.
Save even more thanks to our partnership with Lapointe Dental Centers. With Plan Major coverage, enjoy discounts and preferential rates in our Network Discounts section.
Here are the details of the coverage:
| Dental Care | Overall maximum of $1000 per coverage | |
| Diagnostic and preventive care | ||
| Examination Cleaning X-ray Polishing |
70% of fees | |
| Denture prosthesis repair | 70% of expenses, up to $500 per coverage | |
| Basic Care | ||
| Gum Treatment Root Canal Treatment |
50% of fees | |
| Tooth extractions (including wisdom teeth) Fillings |
70% of fees | |
Critical illness insurance
Critical illness insurance provides compensation to cover certain expenses associated with an illness that could disrupt your life.
Coverage details
Here are the details of the coverage:
Your group number is 9429871-003.
Insured capital of $2,000
| 27 covered conditions + 5 additional childhood conditions | ||
| Stroke Aplastic anemia Severe burns Cancer (life-threatening) Cancer (non-life-threatening) Blindness Aortic surgery Coma Heart attack Dementia, including Alzheimer’s disease Failure of a vital organ (with placement on a transplant waiting list) Muscular dystrophy Transplant of a vital organ Occupational HIV infection Kidney failure Parkinson’s disease and atypical Parkinsonian syndromes Motor neuron diseases Purulent meningitis Paralysis, quadriplegia, hemiplegia Loss of speech Loss of limbs Loss of independence Coronary artery bypass grafting Heart valve replacement or repair Multiple sclerosis Deafness Benign brain tumor |
Features
A 24-month pre-existing condition waiting period applies. |
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| 5 additional childhood conditions: Serious childhood conditions: cerebral palsy, congenital heart disease, cystic fibrosis, Down syndrome, type 1 diabetes |
Fracture Insurance
Thanks to your supplemental student health insurance coverage, you may be eligible for reimbursement in the event of a fracture (in the event of an accident).
Coverage details
With Fracture Insurance, you can receive up to $1,000 in the event of a fracture resulting from an accident. In addition, benefits are payable in addition to any other insurance held with an insurer or government plan.
These benefits are not cumulative, and in the event of multiple fractures, the Insurer will pay you the benefit for the fracture entitling you to the highest amount. All claims must be submitted to Plan Major within 30 days of the date of the event. Don’t forget to send us the claim form and any other documents required to process the claim.
Here are the details of the coverage:
| Skull Spine Hip Pelvis Femur |
$1000 / accident | |
| Larynx Scapula Humerus Patella Tibia Trachea Sternum Rib Fibula |
$300 / accident | |
| For all other fractures | $150 / accident | |
Accident Insurance
With this coverage, you could receive reimbursements in the event of an accident.
Coverage details
Your plan’s accident insurance covers several situations, such as dental and healthcare expenses in the event of an accident. It also covers ambulance transportation costs and chiropractor and physiotherapist service fees. Please note that for claims for care received following an accident, accident coverage always applies secondarily.
Here are the details of the coverage:
| Benefits in the event of death or disability (resulting from an accident) | ||
| Loss of life | $5000 | |
| Paralysis (Quadriplegia, Paraplegia, Hemiplegia) | $10000 | |
| Benefits for dismemberment (resulting from an accident) | ||
| Loss of both hands or both feet | $5000 | |
| Complete loss of vision in both eyes | $5000 | |
| Loss of a Hand and a Foot | $5000 | |
| Loss of a foot and complete vision in one eye | $5000 | |
| Loss of an Arm or a Leg | $4000 | |
| Loss of a Hand or Foot | $3750 | |
| Complete loss of vision in one eye | $3750 | |
| Loss of the Thumb and Index Finger on the Same Hand | $1666 | |
| Loss of Speech and Hearing | $5000 | |
| Loss of Speech or Hearing | $3750 | |
| Hearing loss in one ear | $3333 | |
| Loss of all four fingers on one hand | $1666 | |
| Loss of all the toes on one foot | $1250 | |
| Loss of use of both arms or both hands | $5000 | |
| Loss of use of a hand or foot | $3750 | |
| Loss of use of an arm or a leg | $4000 | |
| Benefits for educational expenses (following an accident) | ||
| Lessons taught by a qualified teacher (certified by the Department of Education) | $20 per hour, up to $300 per accident | |
| Benefits related to the reimbursement of paramedical expenses (following an accident) | Max. $10 000 / accident | |
| Private Nursing Services | 50 $ per hour, up to $5 000 / accident | |
| Ambulance transport | $5 000 / accident | |
| Semi-private room (Hospitalization) | $5 000 / accident | |
| Physical Therapist | $300 / accident | |
| Chiropractor | $300 / accident | |
| Rental fees for a wheelchair and an iron lung | 100% des frais | |
| Hearing aids Crutches Splints Cast Neck braces Orthopedic supports |
100% of fees | |
| Benefits related to dental care expenses resulting from an accident | ||
| Dental expenses incurred for therapeutic purposes | 100% of costs, up to $5,000 per accident | |
| Age limit | 85 years old or younger | |
What is considered an accident?
An accident is defined as an unintentional and unforeseen event caused by an external source. It is important to consult the contract to find out what is covered by accident insurance.
Have you been in an accident and would like to file a claim?
First, it is important to submit claims to your supplementary health insurance plan (if certain treatments are covered) before filing a claim with your accident insurance. The Plan Major team is available to assist you in coordinating benefits. Contact us at student@majorplan.ca.
You can then submit your claim by contacting the Insurance Company of Canada (AIG) directly at 1-877-317-8060 or at AHClaimscan@aig.com.
Travel Insurance
With this plan, you are covered for medical emergencies abroad and trip cancellations up to $5 million.
Coverage details
Your coverage plan covers trips lasting up to 180 consecutive days. In addition, trips must take place during the current coverage period.
Here are the details of the coverage:
| Emergency hospitalization (outside the province of residence) – Semi-private room – Services and supplies provided |
100% of the costs (reasonable and customary costs) |
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| Emergency Transportation (Ground / Air / Family) | 20 000 $ /500 000 $ / 15 000 $ | |
| Cancellation / Trip Interruption | 5 000 $ | |
| Identification Guarantee | 5 000 $ | |
| Meals and lodging | $3,000 ($150 per day) | |
| Transport to the hospital bedside | Round-trip in economy class | |
| The return of the traveling companion | 10 000 $ | |
| Return accompanied by minor dependents | 5 000 $ | |
| Return of the vehicle | 5 000 $ | |
| MRI Medical Services (Diagnostic) | 7 500 $ | |
| Dental accidents | 5 000 $ | |
| Nursing | Max. $50 per shift | |
| Services provided by a physician or surgeon (duly qualified) Medications (prescribed by a qualified physician or surgeon) Services provided by an anesthesiologist (duly qualified) Outpatient services (provided by a hospital) |
100% of the costs (reasonable and customary costs) |
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| Crutches Hospital beds Splints Canes Sling Bandages Orthopedic devices Other prosthetics approved by the insurer |
100% of costs – Purchase or rental (reasonable and customary costs) |
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| Foot care specialist Chiropractor Osteopath Physical therapist Podiatrist |
$300 per practitioner | |
| Repatriation / Identification of the body | 15 000 $ / 5 000 $ | |
| International Assistance Services | Included | |
| Age limit | 85 years old or younger | |
| Maximum travel time | 180 days | |
Has something unexpected happened during your trip?
In the event of a medical emergency, and if possible before receiving treatment, it is important to contact AIG quickly at the numbers listed below.
Their multilingual agents are available 24 hours a day, 7 days a week.
Here are the phone numbers to call for travel insurance assistance → US and Canada (toll-free): 1 877-207-5018; Elsewhere in the world (collect call) 1 819-566-3940
Complete your travel coverage with baggage and travel delay insurance! A real must-have for peace of mind when traveling.
Previous year’s coverage
See coverage details for the year 2025-2026
See coverage details for the year 2024-2025
Coverage Offered by
Supplementary health, dental, fracture: Humania
Travel, accident, and critical illness: La Compagnie d’Assurance AIG du Canada
Your virtual card
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Certificate Number:Permanent Code
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Health/Dental Group Number:22396
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Digital ID at the dentist:Telus Adjudicare 34 / Autoben
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Digital ID in pharmacies:Telus Assure 34
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Accident Group Number:SRG 9140579-001
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Serious illness group number:9429871-003
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Travel Group Number:9426277-007
