As of August 16, 2023, Sun Life Financial will stop insuring international students at HEC Montréal. It will be replaced by Cowan Insurance Group.
As a result, all claims for medical expenses incurred on or before August 15, 2023 must be sent to Sun Life before November 13, 2023, to avoid being denied.
If you have any questions, please contact Zone Info.
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.
Approximately one week after you pay your tuition fees, the Cowan team will send you a welcome email 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 receive your welcome email, please contact Zone Info.
Please note: Before exchange students arrive in Quebec, they will receive an email containing the terms of payment that apply to them.
|Sessions covered||Period covered||Premiums
|Regular students (except MBAs)|
|Fall admission||F + W + S||From August 16 to August 15||$711|
|Winter admission||W + S||From January 1 to August 15||$469|
|Summer admission||S||From May 1 to August 15||$290|
|MBA||F + W + S||From August 16 to September 30||$795|
|MBA+||S + F + W + S + F||From July 1 to January 31 of the following year (19 months)||$1 125|
|Fall and Winter||F + W||From August 16 to May 15||$605|
|Fall||F||From August 16 to December 31||$396|
|Winter||W||From January 1 to May 15||$396|
|Newly permanent residents|
|Continuous coverage||3-month waiting period to receive a Health Insurance Card||$257|
Simply present your insurance card to your healthcare provider.
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.
Log in to the Cowan portal to find out how to submit and track an online claim.
You can also submit a paper claim.
Claims submitted online will be reimbursed within five business days.