Onboard to UHIP
Important Note: Students must update their UTmail+ on ACORN in order to receive communication from Cowan on creating their account and printing their card.
- Check your UTmail+. If you have not received the welcome email, be sure to check your ACORN account to ensure you have an active University of Toronto email address listed. The insurance provider, Cowan cannot send welcome emails to non UTmail+ email accounts.
- To access your card, you will be asked to enter your First Name, Last Name, Date of Birth and Certificate Number (which is included in the welcome email, directly under the link to access your coverage card).
- In your welcome email select the link “Click here to get your coverage card”
- Remember to print your UHIP card before your visit to a clinic
Important Note: Students must update their UTmail+ on ACORN in order to receive communication from Cowan on creating their account and printing their card.
Here’s how to create an account for Cowan’s Online Access Portal:
- In the welcome email you received from Cowan select “click here to set up your online access” and input the requested information. You can also create an account by visiting https://clients.cowangroup.ca and selecting “I’m a New User”.
- On the New User Registration Page, be sure to enter your Last Name, First Name, Date of Birth and Certificate Number as displayed in the email you received from Cowan.
NOTE: Be sure to use your University of Toronto email address to create an account (not your personal email address). Your UTmail+ will be your Username going forward. - Finally, click on “Next Step”. Cowan will send you an email with a link to complete the account creation process which will include a temporary password to access your account. Once you get the email, click on the link to finish creating your account.
NOTE: The link will expire in 24 hours. If you are unable to complete the account creation process during the 24-hour timeframe, please complete the above steps 1-2 again and another email will be sent to you. Make sure to update your temporary password after you log into the portal for the first time.
Registered international students (including exchange students) are automatically enrolled in UHIP for a 12-month period, starting September 1st and expiring August 31st (adjusted for exchange students). Coverage will be renewed automatically at the beginning of every academic year for returning international students.
Your UHIP coverage is tied to your registration status at U of T. You must remain actively registered to remain eligible for coverage under UHIP. If you de-register during the term, your coverage into UHIP through Cowan may be terminated.
*If your registration status changes from registered to de-registered more than 45 days from the beginning of academic term, you will not be issued a refund for the cost of UHIP coverage for that term.
Types of Enrollment
Enrollment
Dependents are not automatically enrolled in UHIP, and you are required to enroll your eligible dependent family member(s) within 30 days of their arrival in Canada.
You must be enrolled in UHIP in order to enroll your eligible dependents.
To register your dependent(s), complete the Dependents Application by following the below instructions:
- Log in to the UHIP portal using your UTORid and password.
- Go to “Your Dependents” and click “Add a New Dependent”. You must input and save your dependent’s information before creating an application.
- Go to “Your UHIP Applications”.
- To create a new application, click the “New UHIP Application” button.
- Select the name(s) of the dependent(s) you would like to enroll during your appointment.
- Click “Submit
Their application must be renewed each academic year, at least 30 days before the expiry of the dependent’s current policy. Renewal requests are due by August 1 each year.
For more detailed instructions, please refer to our Step by Step Guide to Adding your Dependents to UHIP.
Late enrollment
A late penalty fee of $500 will apply if you enroll your dependents 30 days after their arrival in Canada. There’s no discount for the time they had no coverage if you were late enrolling them.
Dependent enrollment fees
The fees you pay are also dependent on the start date of your UHIP coverage. Please refer to the UHIP Premium information below:
September start date
- Member $756
- Member + 1 dependent $1512
- Member + 2 or more dependents $2268
January start date
- Member $504
- Member + 1 dependent $1008
- Member + 2 or more dependents $1512
May start date
- Member $252
- Member + 1 dependent $504
- Member + 2 or more dependents $756
THINGS TO KNOW ABOUT UHIP DEPENDENTS
Take a look at this informational video that explains some important things you need to know about dependents for UHIP. This video goes over deadline, eligibility, cost, how to enroll your dependents and renewing dependents’ coverage. Clicking on the image below will redirect you to the video.