Health & Dental Plan

Health & Dental Plan

Choose your subsection

Your student insurance health plan

If you’re a McGill undergraduate, you’re automatically enrolled in the SSMU StudentCare plan unless you opt out. It is an affordable and comprehensive health and dental insurance plan.

StudentCare is becoming ALUMO. As the service transitions to its new name, you may see both namesused interchangeably. Don’t worry, it’s still the same provider.

Essential information

This page gives you the essentials: what’s covered, who it applies to, how much it costs, and what you need to do.

Enrolment

Automatic for most McGill undergrads
*Opt-out only during set periods
Coverage Includes*

Health · Dental · Vision ·Travel · Virtual care · Legal support
*Terms and restrictions may apply
Costs

All year (Sept–Aug): $345
Starting winter semester (Jan–Aug): $230
Plan numbers

Group#: Q1103
Certificate#: your 9-digit McGill Student ID

StudentCare support

Please note that the SSMU staff are unable to answer questions about the Health and Dental Insurance Plan. Since coverage can vary from student to student, the best way to get accurate information about your specific plan is to contact StudentCare directly.

In person

StudentCare
1200 McGill College Avenue, Suite 2200, Montréal QC, H3B 4G7
Mon-Fri, 9am-5pm
Phone

(514) 789-8775 or 1-866-795-4435
Mon-Fri, 9am-5pm

 

StudentCare/ALUMO website

 

Who and What’s covered?

 

What’s covered*

Health: prescription drugs, ambulance, medical supplies, mental health
Dental: exams/cleanings, x-rays, basic dental treatments.
Vision: eye exams + glasses/contacts.
Travel: emergency medical coverage
Virtual + Legal: online consultations + legal advice for common student issues.

*Terms and restrictions may apply
 

Who’s covered
  • Canadian & Quebec students
  • Undergraduate students on the downtown campus, including Law, Medicine, and Dentistry students
    Registered in the fall semester
    Paying Canadian or Quebec tuition rates
  • International students
    International students are eligible only for the StudentCare Dental Plan. and are automatically charged by the International Health Insurance plan (Blue Cross) instead of the Student Care Health Plan.
    For more information, visit the International Student Services website.
  • Students with equivalent private coverage
    You may be eligible to opt out during the opt-out period. Please note that proof may be required

Cost

 
Fees are billed directly to your e-bill, available on Minerva
Minerva > Student Menu > Student Accounts Menu > e-Billing and e-Payment menu > View e-Bills
Look for the following acronyms:

  • Health Plan S S M H
  • Dental Plan S S M D
  • Legal Essentials Plan S S L T

These fees are applicable for the 2025-2026 academic year:

Students starting during the:
Fall semester Sept 2025 – Aug 2026
Health (annual): $195
Dental (annual): $150**
Legal Essentials Plan $30

Winter semester Jan 2026 –Aug 2026*
Health (annual): $130
Dental (annual): $100**
Legal Essentials Plan $20

*You won’t be automatically enrolled – you can enroll from January 2nd to the 19th by contacting StudentCare/ALUMO.
**International undergrads are typically covered by the Dental Plan only

Opt-in | Opt-Out

 

Opting Out

Only students may make changes to their coverage.

  • You can opt out of StudentCare/ALUMO if you or your parents have private insurance which covers you. Most parental plans last until you are 25.
  • You can opt out only if you already have equivalent coverage.
  • Opt-outs are not automatic; you must submit a request each year during the opt-out period.

Opt-out period:
Fall > Aug 13, 2025 – Sep 26, 2025
Winter > Dec. 10, 2025 – Jan. 29, 2026 ⁠

Opting In
  • You can enroll your spouse, common-law partner and/or dependents for an extra fee.
  • Students starting during the Winter semester need to enroll by contacting StudentCare/ALUMO.

Omni app, by Desjardins

 

Submit claims quickly
  • Access your claims history
  • Display your payment card to present it to a healthcare professional
  • Sign up for direct deposit
  • Access other services (Virtual healthcare, Health is Cool 360° platform, etc.) if included in your plan

Step 1: Download the app
Search for “Omni by Desjardins” in your app store, or use the links below.
Google Play
App Store

Step 2: Log in
Use your plan numbers:
Group Number: Q1103
Certificate Number: your 9-digit McGill Student ID

Submit a claim

 

How to submit a claim
  1. Submit in Omni or the StudentCare claims portal.
  2. Upload a clear receipt (date • provider • amount).

Common claim mistakes:

  • Blurry or non-itemized receipts
  • Wrong service date
  • Missing supporting documents