Health Insurance

If your semester break is during the Winter or Summer semester and you were registered for the Fall semester you might be covered for the International OHIP alternative. If your break is happening during the Fall semester; unfortunately, you won’t have health insurance coverage until you resume your studies at Humber. We encourage students to contact the International Centre to verify policy coverage.

Please contact info@ignitestudentlife.com to learn about extended Health & Dental coverage while on semester break.

Possibly. An email will be sent after the second week of classes for students to self-identify if they have valid Ontario government-issued OHIP coverage. The email will explain the steps, documents, conditions and timeline for the process. The opt-out period is available every September for Fall intake and January for Winter intake (Students who had International OHIP alternative health insurance during the Fall semester are not eligible for Winter semester opt-out, OHIP opt outs are only offered for Fall and Winter intakes.)

Students graduating at the end of the Fall semester may be eligible for International OHIP alternative opt-out at the end of their studies and will receive a potential refund according to the left-over policy time. Eligible students will receive an email by mid-January with the instructions and steps to opt out. Graduating student opt outs are only available for Fall graduates.

For new students only, arriving to study at Humber for the first time, Morcare offers early arrival coverage at no additional cost. This benefit will be in effect one month prior to the start of the semester or your date of arrival in Canada - whichever is later. For example, if your first semester is during the Fall of 2024, your coverage will start when you arrive in Canada after August 1st, 2024. (Please note that students already in Canada and or starting a second program/ might be subject to different coverage dates) coverage always ends on August 31st every year. Please note that the early arrival coverage will only be in effect once you arrive in Canada, expenses incurred before landing are not covered.

Your International OHIP alternative portion of the insurance is active until August 31, every year. If you graduate before that date, you can use your insurance until the policy expires. After that, we encourage you to reach out to private insurance companies and compare their coverage according to your needs. Please note that the IGNITE Extended Health and Dental insurance is per semester, after you complete your program, this portion will not be active.

Humber students have travel coverage to countries other than their own for 180 days. You can review the coverage overview on the site and more details of the Travel Coverage on the Booklet.

However, to confirm that the country that you are travelling is an eligible coverage travel country, please contact Global Excel at 1-877-207-5018. They will be able to provide more information.

If you have more questions related to your International OHIP Alternative portion of the health insurance, please submit a Contact form

If you need more information about the IGNITE Extended Health and Dental portion of the health insurance, please email info@ignitestudentlife.com.

Morcare contact information:

Live chat: Available at the bottom right corner of the Morcare website
Phone: 416-216-5735 or 1-888-985-1552 (Toll Free)
Email: help@morcare.ca

Once you receive the email that confirms your International OHIP alternative insurance card is available, please follow in detail these steps depending on the device that you are using to download your card:

On your computer:

Visit the morcare website
Select “Choose Your School” – Humber International
Select “International Students Humber and Guelph-Humber”
Select “Student Medical Card” (on the left in burgundy)
Enter your Gender, Date of Birth, and Humber Student Number
Select “Get My Card” (in green below "Gender")
You can print off a copy of your Student Medical Card and take a screenshot to keep on your phone; we do not provide hard copies of medical cards.

On your phone:
Visit the morcare website
Select “Choose Your School” – Humber International
Select “International Students Humber and Guelph-Humber”
Select the black and white striped box on the top right of the screen.
Select "Your Space"
Select "Student Medical Card" in blue.
Enter your Gender, Date of Birth, and Humber Student Number
Select “Get My Card” (in green)
You can print off a copy of your Student Medical Card and take a screenshot to keep on your phone; we do not provide hard copies of medical cards.
We recommend using Google Chrome as your browser when downloading your health insurance card.

To add a family member to your insurance plan, you may do so at the beginning of your first semester or each academic year at an additional cost. You must add your family member(s) to the plan within 30 days of a life-changing event (eg. arrival in Canada or the birth of a new child).

Please follow these steps:

• Visit Morcare
• Select “Choose Your School” – Humber International
• Select “International Students Humber and Guelph-Humber”
• During the opt-in period, a "Family opt In" button will appear on the bottom right of the screen

Family Opt-in dates:

Fall 2024: September 1 – October 11, 2024 by 4 p.m.
Winter 2025: January 1 – February 14, 2025 by 4 p.m.
Summer 2025: May 1 – June 13, 2025 by 4 p.m.

Please be prepared to pay any additional fees when opting in family member(s) onto your plan and make sure to read the terms and conditions thoroughly when adding your family member (s) into your plan.

If you have further questions, please reach out to the insurer using the "Live Chat" on the bottom left of the screen on the morcare website; by phone at 1.888.985.1552; or by email at help@morcare.ca

Please be advised that Humber's insurance year runs from September 1st to August 31st and the charge is a flat fee, valid until 31 August each year. For example, if you add dependents starting for the Summer semester, the coverage will start on April 1st and end on August 31st. If you are continuing your studies in the Fall, you will have to re-enroll your dependents to the health insurance and pay the additional costs. Family enrollment starting during the Fall semester will be valid from September 1st to August 31st of the next calendar year.

Please note that the coverage for added family members is fully dependent on the main student status in the college. If the student is not enrolled or not active, the health insurance benefits for both student and dependents will also be inactive.

For International OHIP Alternative - This covers services such as hospital, x-rays and medical services: Please use the 2023-2024 International Health Claim Form. Fill out sections 1a, 2, 3 and 5. Attach all original invoices/receipts (make copies of your own records) and email them to claims@morcare.ca.

International OHIP Alternative claims must be submitted by email only.

• Your group policy number is: 100011032
• Provider: Special Market Solutions
• Your certificate number is your student ID

Please allow up to 6 weeks for processing at which time the insurer will respond to your claim directly.

For IGNITE Extended Health and Dental - This covers prescription medications, dental, vision, extended health, etc.:

You can submit the claim electronically by creating a profile with the insurer.

You will need to provide your Group number, Certificate ID number (both found on your student benefits card) and date of birth when setting up your profile. To submit the claims online with the insurer you must also set up a direct deposit account for reimbursement.

Please visit Claim Secure's Login page if you would like to create a profile.
*Please remember to make a record of your username and password.

• Your Group Number is 514561
• Provider: ClaimSecure
• Your Certificate Number is: Z0_ _ _ _ _ _ _ _ (Z0 followed by the last 8 digits of your student number) All claims must be submitted to Morcare within 6 months from the expenses' date. 

The International OHIP alternative health insurance is billed in your tuition and purchased for all active/registered international students once per academic year, with an expiry date of August 31st every year. The fees vary depending on when you are starting your first semester:

The IGNITE Health and Dental Extended benefits, insurance fee is $111.12, billed with your tuition each semester that you are enrolled at Humber College. Please contact IGNITE at info@ignitestudentlife.com if you have any questions about Extended Health and Dental coverage.

Please note that all fees related to the health insurance are subject to change.

If you are an international exchange student at Humber College, please email studyabroad@humber.ca to verify your health insurance coverage and information.

Yes, you can access the recorded video.

Some health providers will ask students to provide a 'Verification of Benefits (VOB) Letter'. In those cases, you must reach out to Morcare directly.

You can contact our insurer Morcare through the following methods: (Live chat is recommended)

• Live Chat: Link through the bottom left of: Humber College (International Students) - Morcare
• Phone: 1-888-985-1552
• Email: help@morcare.ca

The representatives will verify their identity, take the VOB request and contact the student by email. In this email, they will ask certain questions and then set up an appointment based on the clinic's availability. The Morcare team will issue a benefit verification letter and send it to the student. Please note that it is not immediate and may take 24-48 business hours to contact you.

To learn about Morcare health insurance plan coverage, limits, and exceptions, please review the 2023 – 2024 International Student Insurance Booklet.

For a summary of your benefits, please visit the morcare website

• Select “Choose Your School” – Humber International
• Select “International Students Humber and Guelph-Humber”
• Review the tabs on the left-hand side of the screen

Important: Please note that Morcare does not cover pre-existing conditions including pregnancies with counted time prior to the start of the health insurance policy.

International students at Humber are covered by two insurance plans:

International OHIP Alternative: This covers services such as hospitals, walk-in clinics, emergency room visits and medical services. This insurance is bought per academic year and is managed by Humber’s International Centre.

IGNITE Extended Health and Dental: This covers prescription medications, dental, vision, extended health, etc. This insurance is bought by semester. Please contact IGNITE (Humber's student government) for more information about this portion of the coverage: info@ignitestudentlife.com

The International OHIP alternative health insurance coverage starts on the first day of the month in which you are starting classes and ends on August 31st every year. Please keep in mind that you will not receive a new policy every semester.

If your program ends after August 31st, you will receive a new policy in September if you register for the following Fall semester.

For example, if you are beginning your program in the Fall 2024 semester, your International OHIP Alternative coverage:
Begins September 1, 2024
Coverage ends August 31, 2025

A new health card will be issued after the 10th day of classes start in September 2025 if you register for classes in the Fall 2025 semester.

English for Academic Purposes (EAP) students are covered by level (eg. 2 months at a time).
Please contact the International Centre to verify your Health Insurance start and end dates.

*First-semester students might be eligible for early arrival coverage, please review FAQ #12.

You will receive an email from the International Centre after the 10th day of classes after the start of your first semester with the details and instructions on how to download your health insurance card.

Even though you receive your health card after the start of your classes, you are covered from the first day. Please note that if you need medical attention before your card is available, expenses will need to be paid upfront by you, and then you can apply for a refund once you are able to download your card. We recommend students keep all receipts and invoices for claim purposes.

Registered Humber College students can visit any doctor or medical services provider in Ontario. However, not all providers will have direct billing with Morcare, in these cases, you will need to pay up-front and submit a claim. To avoid up-front payments, we encourage you to check the list of providers on the Morcare website:

Visit the morcare website

• Select “Choose Your School” – Humber International
• Select “International Students Humber and Guelph-Humber”
• Review the tabs on the right-hand side of the screen and click on ‘Your Space’ tab

Scroll down and you can see a map with different health providers.

Please also note that we have on-campus doctors and nurses: Health Counselling

Before visiting a medical services provider not listed on the Morcare website, we encourage students to call Morcare to verify that expenses can be claimed.

You can contact our insurer Morcare through the following methods: (Live chat is recommended)

• Live Chat: Link through the bottom left of: Humber College (International Students) - Morcare
• Phone: 1-888-985-1552
• Email: help@morcare.ca