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Moving to and Living in Vancouver

Healthcare

All students coming to Canada are legally required to have medical insurance. Hospital expenses in Canada can easily reach thousands of dollars in a very short period of time. In fact, a major illness would leave the average student with virtually unpayable debts.

Health insurance in BC consists of a combination of public, private, and extended health insurance.

Medical Services Plan (MSP) - Basic Health Insurance

The government of British Columbia provides a Medical Services Plan (MSP) to all BC residents. All residents of BC are required by law to enroll themselves and their dependents with MSP.

What does it cover?

MSP covers basic medically-required services provided by physicians and supplementary health care practitioners, laboratory services, diagnostic procedures, and hospitalization.

How do I enroll?

Application for Enrollment Forms are available online or from Student Services. If you need assistance, please contact the Assistant Dean of Students at international@regent-college.edu

You must complete the form and send a copy of your study permit/work permit to support the legal name, citizenship, or immigration status of the persons listed on the application.

How much does it cost?

The monthly premiums, effective January 1, 2014 are $69.25 for singles, $125.50 for couples, and $138.50 for families of three or more. Premium assistance is available for Canadians and permanent residents whose income falls below a certain level.

When do benefits begin?

New residents to BC are only eligible for MSP benefits after a waiting period. This waiting period includes the month in which you submit your MSP application, plus two months. For example, if you submit your MSP application in the month of September (whether September 1 or 30 or anywhere in between), your waiting period will be September, October, and November, and your MSP coverage will begin in the month of December. It is therefore mandatory that students have coverage for this waiting period. Information about this is below.

Can I maintain medical insurance from my home province?

Canadian students who do not intend to settle permanently in BC may be able to maintain hospital and medical coverage in their home province for the duration of their studies. Each province has different requirements for maintaining health insurance. Make sure to contact the insurance provider in your home province for details.


David Cummings Insurance - Private Health Insurance for MSP waiting period

During this interm 3 month waiting period, it is mandatory that students have private medical coverage. Some students extend their travel insurance for an extra 2-3 months or private insurance is available through the following local insurance company: David Cummings Insurance Services, Ltd.


AMS Health and Dental Plan - Extended Health Insurance

The AMS (the UBC student association to which Regent students belong) has an extended health plan. This plan is mandatory for all students who take 3 or more credit hours, and is automatically included in your student fees.

What does it cover?

This insurance covers dental work, prescription drugs, travel insurance, and other services not covered through MSP. 

Please note: the AMS Health and Dental plan cannot be used as interim basic health insurance during the three-month MSP waiting period.

How do I enroll?

Students who register in 3 or more on-campus credits in the Fall or Winter terms are automatically enrolled in the plan. 

Students who are taking 3 or more audit hours can opt in to the plan by paying student fees. You can opt in to student fees when you register for your courses. There is a very limited time period for opting in or out of this plan at the beginning of each term.

How much does it cost?

The cost for AMS Health and Dental Plan can be found on our Costs page.

When do the benefits begin?

Benefits are retroactive to the first day of the month in which your coverage begins (September of January). Confirmation of coverage takes 6+ weeks. During this time, if you submit a claim, it may be returned. You will need to resubmit this claim once your coverage is confirmed.

Can I opt my family in?

Families of students (spouses and children) can opt in to the plan. You will need to take proof that you have been assessed the plan fee at Regent to the AMS Studentcare Office at UBC in order to enrol your family. Please note that you will need to enrol your family in the AMS plan each academic year during their change of coverage period. There is a very limited time to opt family members into this plan at the beginning of each term.

For full details and for the dates of opt-in and opt-out periods, visit the AMS Health Plan site (select UBC as your school).

Can I opt out?

Students who already have equivalent extended health and dental insurance through their work or spouse, and American students who commute from Washington State, may opt out of this health plan by visiting the AMS Studentcare Office at UBC. There is a very limited time period for opting out of this plan at the beginning of each term.

For full details and for the dates of opt-in and opt-out periods, visit the AMS Health Plan site (select UBC as your school).


Medical services

Regent students can access medical services at the UBC Hospital across the street. Also available on campus is the Family Practice Teaching Unit, and the Student Health Service.

There are many fine medical doctors and hospitals in Vancouver as well as a wide range of alternative medical practices. You can ask fellow students or the Assistant Dean of Students for recommendations for medical doctors, dentists, etc.