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Plan Enrollment Family Coverage International Students Travel Assistance FAQ
Please note that it is not necessary to create an account on the web portal to withdraw. Simply click on the Withdrawal tab and fill out the form. Furthermore, it will be possible to create your profile on the mobile application and the web portal only after the end of the amendment and withdrawal period.
You are automatically enrolled in a student supplemental group insurance plan through your student association. Your plan allows you to benefit from an advantageous coverage, in addition to a host of discounts and preferential rates from our Discount Network discount partners.
However, if you do not wish to take advantage of these benefits, you may opt out of the plan during the coverage amendment and withdrawal period. You may already be covered by another insurance plan, so it is important that you confirm your coverages, compare them, and consider the option to combine benefits before your withdrawal. For more information on the coordination of benefits, please refer to the Claims 101 section.
FEUS provides you with extended health insurance, vision, dental as well as accident, fracture and travel insurance. In addition, you will have access to a pet assistance.
Plan Enrollment
The insurance premium is included in your tuition invoice. It is billed in two installments: the first in the Fall Semester, and the second in the Winter Semester. All academic fees for the current session must be paid before you can receive reimbursement.
| Dental* | Health** | Dental & Health*** | |
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| Fall Sept 1st to Dec 31st |
61,22 $ | 67,38 $ | 128,60 $ |
| Winter Jan 1st to Aug 31st |
82,62 $ | 87,78 $ | 170,40 $ |
| Annual Individual Total | 143,84 $ | 155,16 $ | 299,00 $ |
*Dental includes dental coverage only.
**Health includes paramedical, eye care, extended health care, fracture insurance, accident coverage, travel coverage, identity theft assistance and pet assistance.
***Dental & Health includes dental care, paramedical care, eye care, extended health care, fracture insurance, accident coverage, travel coverage, identity theft assistance and pet assistance.
If applicable, fees include premiums, administration fees, commissions, withholdings, and taxes that may apply to the plan.
Family Coverage
During the amendment period, you may extend the plan’s coverage to your children or partner, providing an affordable family plan.
Amendment Period:
Fall Semester: September 15th to October 16th
Winter Semester: January 15th to February 15th
To do so, 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 and contact you within 5 business days. Please wait for the confirmation of a member of our team to know the amount of the contribution to pay as well as the payment terms.
| Dental & Health*** | |
|---|---|
| Add for 1 child | $299 |
| Add for 2 children (and +) | $598 |
| Add for your spouse | $299 |
| Add for your spouse and 1 child | $598 |
| Add for your spouse and 2 children (and +) | $897 |
***Dental & Health includes dental care, paramedical care, eye care, extended health care, fracture insurance, accident coverage, travel coverage, identity theft assistance and pet assistance.
International Students
International students are automatically enrolled in the supplementary dental component of the Major Plan. During the amendment period, you may add health coverage. To do so, you must forward the International Health Coverage form, along with the annual fees, directly to Major Plan during the plan’s amendment and withdrawal period.
International students may also opt-out of the dental component during the plan amendment and withdrawal period. This can be done through the Withdrawal section of the website.
International students may also extend coverage to their children or partner. Their coverage will be identical to yours. To do so, you must forward the Family Coverage form, for both you and your dependents before the end of the amendment period.
International Health Coverage form
Travel Assistance
Here is the phone number to contact for travel insurance assistance.
Travel Insurance Assistance 24/7: 1-877-207-5018
FAQ (Coming Soon)
Coverage Offered by
Complementary health, dental, fracture insurance: Humania
Accidents and Travel: AIG Insurance Company of Canada
Pet assistance: FBA Solutions
Coverage
Coverage PeriodHealth Care Vision Dental Care The Fracture Accident Travel Identity Theft Pet Assistance
All the details of the 2022-2023 coverage right here → 2022-2023 Coverage
Please note that changes have been made to the coverage for the coming year (2023-2024). The 2023-2024 coverage will be available shortly. Stay tuned.
Coverage Period
The coverage period is from September 1, 2023, to August 31, 2024. It is divided into two periods. In order to be eligible for both, you must maintain your student status and student association membership for both.
Fall Semester – September 1 to December 31, 2022
Winter Semester – January 1 to August 31, 2023
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: 58838
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.
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 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: 58838
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.
Dental Care
Thanks to coverage from your Student Plan, you may receive up to $1000 in dental care reimbursements per coverage period.
The policy number for dental claims is: 58838
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 claims department no later than 365 days after the date you received the service.
Fracture Insurance
Thanks to the coverage of your complementary student plan, you benefit from the Fracture Insurance. You can receive up to $1000 in the event of a fracture resulting from an accident. In addition, benefits are payable in addition to any other insurance held by an insurer or a government plan.
Your policy number for Fracture claims is: 58838
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: SRG 9140579-030
What constitutes an accident?
An accident is defined as an unintentional and unplanned event caused by an external source.
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 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 with your other plan before submitting it to AIG. However, the Major Plan team remains available to help you with the process of benefit coordination.
Your policy number for Accident claims is: SRG 9140579-030
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 fees | 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: 9426277-033
To submit a Travel insurance claim, contact AIG Insurance Company of Canada (AIG) directly at 1-877-207-5018. 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.
The Travel Passport is a reference to keep on hand when traveling. It provides easy access to important numbers in the event of an incident.
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.
Identity Theft
The number of identity theft victims continues to grow and dealing with it is a real headache. With identity theft assistance, you have access to identity theft experts and attorneys who will answer all your questions over the phone. Your case will be handled by a professional, allowing for identity restoration and reporting of fraud to financial authorities
More details coming soon!
This telephone service is available Monday to Friday from 8am to 6pm (emergency service available).
Need assistance? Call 1-888-721-4070.
Pet Assistance
For many people, their four-legged pets are an integral part of the family. To save dog and cat owners a lot of trouble, the Pet Assistance Hotline allows you to get support from a team of veterinarians and veterinary technicians on a wide range of issues. This telephone service is available 365 days a year, from 7 am to 10 pm. The team members will give you valuable advice on your pet’s health and behavior. The service also includes a pet concierge service.
More details soon!
This telephone service is available 365 days a year, from 7 a.m. to 10 p.m. The team members will give you valuable advice on your pet’s health and behavior. The service also includes a concierge service for pets.
Need assistance? Call 1888-721-4070.
INFO- Pet assistance
Coverage offered by
Complementary health, dental, fracture insurance: Humania
Accidents and Travel: AIG Insurance Company of Canada
Identity theft assistance and pet assistance: FBA Solutions
2022-2023 Coverage
The coverage period was from September 1, 2022 to August 31, 2023.
Please note that drug coverage is not included in your plan and that it does not replace the drug coverage required by the Quebec government.
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2022-2023 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 claims department no later than 365 days after the date you received the service.
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2022-2023 Vision Coverage
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2022-2023 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.
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2022-2023 The Fracture Coverage
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2022-2023 Accident Coverage
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 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 with your other plan before submitting it to AIG. However, the Major Plan team remains available to help you with the process of benefit coordination.
Your policy number for Accident claims is: SRG 9140579-030
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 fees 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.
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2022-2023 Travel Coverage
Please note that students aged 70 and over are not covered by travel insurance. If you have any questions regarding travel coverage, please contact a Major Plan Client Services representative.
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2022-2023 Roadside Assistance
Plan Major’s Roadside Assistance Program is designed specifically to help you in the event of a roadside emergency or unexpected mechanical breakdown.
This service is available: – 24 hours a day, 7 days a week; – Throughout Canada and the continental United States;
Need assistance? Call 1-866-871-3254
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Claims 101
Important Numbers Health and Dental Claims Drug Claims Accident and Travel Claims Previous Year’s Claims Coordination of Benefits
Please note that claims processing is paused during the change/withdrawal period.
Please note that you will be able to create your profile on the mobile application and web portal only after the amendment and withdrawal period ends.
Important Numbers
Would you like to make a claim and don’t know which numbers to use? Here’s a list of important numbers to use. This is not a sample card, but your numbers. Your certificate number corresponds to your student ID Number, and your dental health group number is 58838.
Health and Dental Claims
There are several ways to submit a claim.
When making claims, it is important to provide your name, your student ID number and your group number. Additionally, by providing your direct deposit information, you will receive your payment much more quickly
Claims will be processed after the amendment and withdrawal period ends. Claims are processed within six (6) business days of document receipt.
When your tuition 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.
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By 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, your student ID Number, your group number must be included at the top of the email, as well as a void cheque. -
Via Mobile Application or 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 (student ID Number), group number, date of birth, and postal code noted in your academic file. -
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, group number, and student ID Number must be provided to the professional when the form is being filled out.
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By Fax or 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 0A1Fax: 1-819-205-0714
Please ensure that your name, your student ID Number provided by your educational institution, as well as your 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 ↓
Drug Claims
Since Plan Major is the second payer for your drug coverage, you must first submit your claims to either RAMQ or another private insurer.
If you were covered by private insurance and have lost that coverage, you must register with RAMQ before sending us your claims.
Accident and Travel Claims
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.
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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 student ID Number, and your group number are included in all your correspondence with AIG.
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Travel
For travel claims, please contact AIG directly at 1 877 207-5018. Please ensure that your name, your student ID Number, and your group number are included in all your correspondence with AIG.
Previous Year’s Claims
You may submit your claims within 365 days of the date the service was received. For example: If you consulted a health specialist on October 13, 2023, you have until October 13, 2024 to submit a claim for this service.
Refer to the coverage in effect at the time the service was obtained to determine the eligible claim amount.
Coordination of Benefits
Since you may be 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 to coordinate 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.
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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
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Take Careful Note
Since you may be covered by more than one insurance plan, it is important that you inform your other insurance carrier. 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.
Forms and Other Documentation
Below, you will find useful information such as coverage contracts, limitations, and the information management policy.
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Brochures from Previous Years
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Forms
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Coverage Contracts
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Limitations and exclusions
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Travel and Accident
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Coverage offered by
Complementary health, dental, fracture insurance: Humania
Accidents and Travel: AIG Insurance Company of Canada
Identity theft assistance and pet assistance: FBA Solutions
Withdrawal
Types of Withdrawal Withdrawal Period Request for Withdrawal
Enrolment in the student supplemental group insurance plan is automatic, however, you may opt-out, free of charge, during the plan’s amendment and withdrawal period.
Types of Withdrawal
During the withdrawal period, you may partially or completely withdraw from the plan. Partial withdrawal allows you to opt out of only one of the dental or supplementary health components. The supplementary health component includes travel insurance, accident insurance, fracture insurance, identity theft assistance, pet assistance, roadside assistance, and the student assistance program. It is not possible to split the coverage within the supplementary health component.
Members who registered for the Fall semester and have kept their plan may not withdraw during the Winter semester withdrawal period.
Amendment and Withdrawal Period
Fall Semester: September 15th to October 16th
Winter Semester: January 15th to February 15th
In the event of a withdrawal, the institution will credit you with the amount of your contribution to the plan on your institutional invoice.
Request for Withdrawal
Please note that it is not necessary to create an account on the web portal to withdraw. Simply click on the Withdrawal tab and fill out the form. Furthermore, it will be possible to create your profile on the mobile application and the web portal only after the end of the amendment and withdrawal period.
The withdrawal request must be made within the prescribed time frame. You will have no other opportunity to exercise your opt-out option.To withdraw from the supplementary insurance plan, please complete and forward the Web-based form below. An email confirmation will be sent once the application has been successfully saved. Keep this email as proof of withdrawal.