Health and hospitalization insurance
To get the most out of your studies in Québec and make sure you’re covered in the event the unexpected happens, you need health and hospitalization insurance.
Québec and Canadian immigration law requires non-Canadian students to have valid health and hospitalization insurance for the duration of their stay in Canada.
Upon your arrival on canadian territory, as soon as August 15th for the fall session, December 15th for the winter session and April 15th for the summer session, all international students are automatically covered by the Desjardins Insurance’s health and hospitalization plan.
Family members traveling with you may also be covered by an insurance plan offered by Desjardins Insurance. For information: Visitors to Canada Insurance.
Students registered in a Université Laval regular program are automatically enroled in supplemental dental insurance through their student association, with the option of cancelling it. Visit the student association health insurance website for more information (French only).
Depending on your specific needs, we recommend that you take out additional insurance if necessary.
Cost of mandatory insurance
Health and hospitalization insurance fees will appear on your electronic tuition fee invoice. New students are covered as soon as they set foot on Canadian soil, no earlier than August 15 for the fall semester, December 15 for the winter semester, and April 15 for the summer semester.
Cost for the 2019-2020 academic year:
- Coverage for regular students
September 1 - August 31: $900
January 1 - August 31: $600
May 1 - August 31: $300
- Coverage for visiting (exchange) students
Cost per semester: $300
Insurance is billed each semester for the duration of the study period. For example, for a 2-semester study period, you will receive 2 separate invoices of $300.
- Coverage for training and research interns
Cost per month: $75
Insurance is billed each semester for the duration of the study period. For example, for a 2-semester study period, you will receive 2 separate invoices.
Receiving your insurance card:
Sometime during your first few weeks at Université Laval, you will receive an email notifying you that your insurance card is ready for pickup at the Registrar’s Office.
Some international students may be exempt from the Université Laval health insurance plan, including students from countries with which the Québec government has signed reciprocal social security agreements (Belgium, Denmark, Finland, France, Greece, Luxembourg, Norway, Portugal, Romania and Sweden). These students may be eligible for coverage by Québec's public health insurance plan, the Régie de l'assurance maladie du Québec (RAMQ).
To be eligible for benefits under these agreements, students must take certain steps before leaving their home country and once in Québec. Contact your home healthcare organization to find out whether you are covered by the social security agreement and to get the necessary documents. Visit the Régie de l'assurance maladie du Québec (RAMQ) website for more information.
Other exemptions are available, namely for students on academic scholarships.
Students covered by RAMQ and enroled in a master's, advanced graduate diploma (DESS), or PhD program may sign up for supplemental dental insurance through their student association, are automatically enroled in supplemental dental insurance through their student association, with the option of cancelling this coverage. Visit the student association health insurance website for more information.
- Liste des exemptions autorisées (French only) (PDF)
- Registration for the RAMQ: Steps to follow - General informations (VF-VA) (PDF)
- Special conditions for students from France
- To learn more about the reciprocal social security agreements established with Québec:
- General information about all countries involved
- Additional information for France
CADEUL and AELIES Dental
CADEUL and AELIES Health
|Costs to be paid||X||X||X|
|Option of adding spouse and dependent(s)||X||X||NOTE||X||X|
NOTE : Desjardins offers an insurance product that is separate from your group insurance for your family members. For more information: Visitors to Canada Insurance.
|Country of citizenship||Status||RAMQ|
CADEUL and AELIES Dental
CADEUL and AELIES Health
|Belgium and metropolitan France||Regular students||X||X||X||X|
|Denmark, Finland, Greece, Luxembourg, Norway, Portugal, Sweden||Regular students||X||X||X|
|All other countries||Regular students||X||X|
|Coverage at a glance*||RAMQ|
|Eyeglasses and contact lenses||X|
|Travel outside Québec |
|Specialists in the RAMQ health network: cardiologist, anesthesiologist, |
dermatologist, gastroenterologist, neurologist, psychiatrist, etc.
|Specialists outside the RAMQ health network: physical therapist, |
chiropractor, osteopath, psychologist, etc.
(exam, cleaning, surgery)
*This table provides a summary of insurance coverage. Be sure to double check your coverage, conditions, and exemptions before seeking non-urgent care. Your insurance may only reimburse 50% or 80%, not 100%, of the cost of certain services, or there may be a maximum annual limit.
Important note: This website is intended to provide general information on current procedures, which may change at any time without notice. Quebec and Canadian laws and regulations in effect as well as the websites of Ministère de l'Immigration, de la Francisation et de l'Intégration (MIFI), and Immigration, Refugees and Citizenship Canada (IRCC) take precedence over this website.
This page was last updated on: 30-04-2019