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Your plan from FEUS
The Plan
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
2024-2025 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*** | |
|---|---|---|---|
| Fall Sept 1st to Dec 31st |
$60,42 | $98,35 | $158,77 |
| Winter Jan 1st to Aug 31st |
$81,85 | $118,31 | $200,16 |
| Annual Individual Total | $142,27 | $216,66 | $358,93 |
*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
2024-2025 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 | $358,93 |
| Add for 2 children (and +) | $717,86 |
| Add for your spouse | $358,93 |
| Add for your spouse and 1 child | $717,86 |
| Add for your spouse and 2 children (and +) | $1076,79 |
***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 student community
New this year, international students who are members of the student association are automatically enrolled in the dental AND health sections. This means you benefit from the same coverage as all association members.
Don’t want insurance coverage? You can opt out during the opt-out period; go to the Opt-out tab for full details.
During the modification period, you have the option of extending your coverage to your children and/or spouse. Your dependents will benefit from the same coverage as you. To add dependents, you must send the Family Coverage form (form only available during the modification period) to student@majorplan.ca before the end of the modification period. A member of our team will contact you for the payment procedure once the form has been received.
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, gender affirmation: Humania
Accidents and Travel: AIG Insurance Company of Canada
Pet assistance: FBA Solutions
Coverage
2024-2025 Coverage
Coverage Period
The coverage period is divided into two periods: September 1, 2024, to August 31, 2025. In order to be eligible for both, you must maintain your student status and student association membership for both.
Fall – September 1 to December 31
Winter – January 1 to August 31
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.
Maximum of $10,000 per coverage period per insured period for all eligible expenses. (Does not apply to preventive vaccines, ophthalmologist or optometrist services, hospitalization or private tutoring).
The information provided is for guidance only; the terms of the coverage contract prevail. Certain age limits may apply. A medical ticket may be required and certain services must be rendered by a recognized professional. Your request for reimbursement must be received by Plan Major’s claims department no later than 365 days after the date on which you received the service.
Drug Insurance
With drug coverage, you can reduce the cost of certain medications. Prescription fill frequency is limited to a 30-day supply.
Please note that since Major Plan is the second payer for your drug coverage, you must first submit your claims to RAMQ or another private insurance plan.
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
Our partnership with Groupe Visuel Iris could give you additional benefits by being covered by the Plan Major.
The information provided is for guidance only; the clauses of the coverage contract prevail. Certain limitations may apply. A medical ticket may be required and certain services must be rendered by a recognized professional. Your request for reimbursement must be received by Plan Major’s Claims Department no later than 365 days after the date on which you received the service.
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). 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.
Please refer to the attached document for dental care specifications.
Fracture Insurance
Thanks to the coverage provided by your complementary student plan, you benefit from La Fracture insurance. You can receive up to $1,000 in the event of a fracture resulting from an accident. What’s more, benefits are payable in addition to any other insurance you may have with an insurer or government plan.
Your policy number for Fracture claims is: 58838
Here are the details of coverage for each type of fracture:
These benefits are not cumulative, and in the event of multiple fractures, the Insurer will pay 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. Do not forget to send us the claim form and any other documents required to process the claim.
Learn more about the details of our coverage in INFO-La Fracture.
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 unforeseen event caused by an external source.
Compensation for accidental death or dismemberment (AD&D)
Please refer to the loss table included in INFO-Accident for more information on reimbursement terms and conditions.
Accident Plan (coming soon)
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, u 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 coordination of benefits process.
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 | 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..
Gender affirmation coverage
Gender transition insurance coverage is insurance specifically designed to help people in gender transition cover the costs associated with their transition process.
Your group number for Gender Affirmation claims is :58838
Eligibility and features :
-Medical procedures must be performed in Canada.
-The person must have been diagnosed with persistent gender dysphoria*.
-The person must have obtained approval from the public health insurance plan in his or her province or territory of residence.
-The person must have obtained prior approval from the insurer along with documents confirming acceptance into the gender affirmation program of his or her provincial health care plan.
-The person must be covered under the health component of his or her student plan.
-Dependents covered under the health component of the plan are eligible for this coverage.
*Gender dysphoria is a feeling of significant distress or difficulty in functioning linked to the persistent feeling that a person’s birth sex does not correspond to his or her self-concept as masculine, feminine, mixed, neutral or other (gender identity).
Identity theft assistance
The number of victims of identity theft continues to grow, and coping with it can be a real headache. With identity theft assistance, you have access to identity theft experts and lawyers who answer all your questions over the phone. Your case will be handled by a professional, enabling you to re-establish your identity and report fraud to the financial authorities.
This telephone service is available from Monday to Friday, 8am to 6pm (emergency service available).
Need assistance? Call 1-888-721-4070.
Pet assistance (cats and dogs)
For many people, their four-legged pets are an integral part of the family. To take the hassle out of owning a dog or cat, our Pet Care service offers you the support of a team of veterinarians and veterinary technicians on a wide range of issues.
This telephone service is available 365 days a year, from 7am to 10pm. Team members will give you valuable advice on the health and behavior of your pet (cat or dog). The service also includes a pet concierge service for cats and dogs.
Need assistance? Call 1888-721-4070.
Coverage Offered by
Health, dental, fracture, gender affirmation: Humania
Travel and accident: La Compagnie d’Assurance AIG du Canada
Pet and identity theft assistance: FBA Solutions
2023-2024 Coverage
The coverage period was from September 1, 2023, to August 31, 2024.
Note that prescription drug is not included in your plan and does not replace the prescription drug insurance coverage required by the Quebec government
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2023-2024 Health coverage
The information provided is for guidance only; the terms of the coverage contract prevail. Certain age limits may apply. Un billet médical peut être requis et certains services doivent être rendus par un professionnel reconnu. Votre demande de remboursement doit parvenir au service des réclamations de Plan Major au maximum 365 jours après la date à laquelle vous avez reçu le service.
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2023-2024 Vision
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2023-2024 Dental Care
Eligible expenses are those of the Association of Dental Surgeons in the insured person’s Canadian province of residence (general practitioner rates). The information provided is for information purposes only; the terms of the coverage contract prevail. Certain limits may apply. A medical ticket may be required and certain services must be rendered by a recognized professional. Your request for reimbursement must be received by Plan Major’s claims department no later than 365 days after the date on which you received the service.
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2023-2024 Accident Insurance
Please refer to the loss table included in INFO-Accident for more information on 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 to AIG first. However, the Major Plan team remains available to help you with the coordination of benefits process.
Your policy number for Accident claims is: SRG 914 0579-026
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.
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2023-2024 Travel coverage
Please note that travel insurance is not available to students aged 70 and over. If you have any questions about travel coverage, please contact a Plan Major customer service agent.
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.