Cowan insurance | Immigration and getting settled in Quebec

International students are automatically signed up for medical insurance, offered by Cowan. Premiums shall be billed from the first day of registration. Insurance coverage is mandatory, except in cases where students qualify for an exemption.

Obtaining your card

If you pay your tuition fees by the deadline indicated in the academic calendar, you will receive, no later than one week after the payment deadline, a welcome email from Cowan to your HEC Montréal email address (@hec.ca). This welcome email will contain instructions on how to access your kit (including your card), which is available online via the Cowan portal.

If you do not pay your tuition fees before the deadline, it may take up to two weeks to receive the welcome email from Cowan.

Exchange students: you will receive an email containing the terms of payment that apply to you before you arrive in Quebec.

What to do if you don’t receive the welcome email from Cowan

One week after the payment deadline, or two weeks after you make your payment (if you pay after the deadline), log in to your insurance portal by following the steps outlined below:

Visit the registration website: New User Registration
Enter the required information
- First and last name (as indicated in you Cowan and HEC Montreal files)
- Certificate number (HEC Montreal Student ID)
- Date of birth (formulated DD/MM/YYYY)
- E-mail address (you will be asked to enter it a second time for confirmation)
Click the Next Step button. A confirmation email will be sent to you, containing a link to finalize your registration.
Click the link provided in the e-mail and proceed with the remaining steps to verify you information and create a password.

The registration will enable you to obtain your membership card on the portal.

Available coverage

To find out about Cowan coverage (including the travel insurance), view the brochure (PDF, 461 KB), also available online via the Cowan portal.

Please note that telemedicine is included, but vision and dental care are not covered by this insurance, except in the event of an accident.

Costs and coverage periods

Please note that the coverage period listed below begins once your tuition payment has been received, even if you have not yet received your insurance card.

Arriving before the coverage period starts? We strongly recommend purchasing insurance with adequate coverage until that time. Find out more: Sécuriglobe or Blue Cross.

Will you be interrupting your studies or dropping courses? It is important to keep your insurance coverage. It is also mandatory for those residing in Quebec.

MBA

Admission term	Terms covered	Period covered	Premiums (subject to change)
Fall	Fall + Winter + Summer	From August 16 to September 30	$898

All programs, except MBA

Admission term	Terms covered	Period covered	Premiums (subject to change)
Fall	Fall + Winter + Summer	From August 16 to August 15	$805
Winter	Winter + Summer	From January 1 to August 15	$530
Summer	Summer	From May 1 to August 15	$327

Exchange students

Exchange term(s)	Terms covered	Period covered	Premiums (subject to change)
Fall and winter	Fall + Winter	From August 16 to May 15	$683
Fall	Fall	From August 16 to December 31	$447
Winter	Winter	From January 1 to May 15	$447

Using your card

Simply present your insurance card to your healthcare provider.

Cowan has an extensive network of healthcare providers in Montreal. This means that they will send the insurance claim directly to Cowan. You won't have to pay anything. You can search for a healthcare provider using the Cowan search engine, also available via the Cowan portal.
However, you may have to pay a fee when you visit a healthcare professional. If so, you will need to submit a claim to Cowan via the portal.

Your Cowan card can also be used to pay for prescription medications at the pharmacy. Just present your card and the cost will be waived.

Submitting a claim

You can also submit a paper claim (PDF, 802 KB).

Claims submitted online will be reimbursed within five business days.

Questions?

Contact Cowan

Exchange students: please contact incoming [at] hec.ca (incoming[at]hec[dot]ca)