Medical insurance – HEC Montréal
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.
Obtain 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.
Please note: Before exchange students arrive in Quebec, they will receive an email containing the terms of payment that apply to them.
What should you do if you don’t receive an 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, 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
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.
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.
| Sessions covered | Period covered | Premiums (subject to change) |
|
|---|---|---|---|
| Regular students (except MBAs) | |||
| Fall admission | F + W + S | From August 16 to August 15 | $797 |
| Winter admission | W + S | From January 1 to August 15 | $525 |
| Summer admission | S | From May 1 to August 15 | $324 |
| MBA students | |||
| F + W + S | From August 16 to September 30 | $890 | |
| Exchange students | |||
| Fall and Winter | F + W | From August 16 to May 15 | $677 |
| Fall | F | From August 16 to December 31 | $443 |
| Winter | W | From January 1 to May 15 | $443 |
| Newly permanent residents | |||
| Continuous coverage | 3-month waiting period to receive a Health Insurance Card | $287 | |
How to use 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
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.
For more information