You are required to have adequate medical insurance to enrol in English Language Institute (ELI) programs. The ELI’s medical insurance provider is iMed, and our iMed provider is David Cummings Insurance. This medical insurance will be provided for the duration of your ELI program. iMed fees will be added to your final tuition balance.
A copy of your iMed card will be emailed to you during the first week of your program from David Cummings Insurance. You must carry your iMed card with you at all times in case of medical emergencies.
With your iMED card, you don’t have to pay for your visit if you see a doctor at the Student Health Service at UBC or the University Village Medical Clinic, and Khatsahlano Medical Clinics. Medical benefits cover emergency hospitalization and medical services (including out-patient treatment at a doctor's clinic) for an unexpected sickness or injury. View the David Cummings Insurance website for detailed information about iMED and the full policy.
You can see a doctor in any other clinic or hospital in BC but you may be required to pay in advance. View the David Cummings Insurance website for instructions on how to submit claims and how to download claim forms.
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iMed will provide coverage for the following dates for the ELI programs below:
| English for Academic Purposes (EAP) / Intensive English Program (IEP) | Program Dates | iMed Coverage Dates | Fee (CAD$) |
|---|---|---|---|
| 2016 | |||
| Fall Session 2016 | Sep 6 - Dec 22 | Aug 30 - Dec 28 | $280 |
| Fall Term 1 | Sep 6 - Oct 26 | Aug 30 - Oct 30 | $145 |
| Fall Term 2 | Oct 27 - Dec 22 | Oct 22 - Dec 28 | $145 |
| 2017 | |||
| Winter Session 2017 | Jan 9 - Apr 27 | Dec 29 - May 1 | $280 |
| Winter Term 1 | Jan 9 - Mar 1 | Dec 29 - Mar 5 | $145 |
| Winter Term 2 | Mar 2 - Apr 27 | Feb 25 - May 1 | $145 |
| Summer Session 2017 | May 8 - Aug 24 | May 2 - Aug 28 | $280 |
| Summer Term 1 | May 8 - Jun 28 | May 2 - Jul 2 | $145 |
| Summer Term 2 | Jun 29 - Aug 24 | Jun 24 - Aug 28 | $145 |
| Fall Session 2017 | Sep 5 - Dec 21 | Aug 29 - Dec 27 | $280 |
| Fall Term 1 | Sep 5 - Oct 25 | Aug 29 - Oct 29 | $145 |
| Fall Term 2 | Oct 26 - Dec 21 | Oct 21 - Dec 27 | $145 |
| 2018 | |||
| Winter Session 2018 | Jan 8 - Apr 26 | Dec 28 - Apr 30 | $280 |
| Winter Term 1 | Jan 8 - Feb 28 | Dec 28 - Mar 4 | $145 |
| Winter Term 2 | Mar 1 - Apr 26 | Feb 24 - Apr 30 | $145 |
| Summer Session 2018 | May 7 - Aug 23 | May 1 - Aug 27 | $280 |
| Summer Term 1 | May 7 - Jun 27 | May 1 - Jul 1 | $145 |
| Summer Term 2 | Jun 28 - Aug 23 | Jun 23 - Aug 27 | $145 |
| Fall Session 2018 | Sep 4 (Tue) - Dec 20 | Aug 28 - Dec 26 | $280 |
| Fall Term 1 | Sep 4 - Oct 24 | Aug 28 - Oct 28 | $145 |
| Fall Term 2 | Oct 25 - Dec 20 | Oct 20 - Dec 26 | $145 |
| English for the Global Citizen (EGC) | iMed Coverage Dates | Fee (CAD$) |
|---|---|---|
| 2016 | ||
| Aug 29-Sep 16 | Aug 26-Sep 19 | $75 |
| Aug 29-Sep 23 | Aug 26-Sep 26 | $75 |
| 2017 | ||
| Jan 9-27 | Jan 6-30 | $80 |
| Jan 23-Feb 10 | Jan 20-Feb 13 | $80 |
| Jan 30-Feb 24 | Jan 27-Feb 27 | $80 |
| Feb 27-Mar 24 | Feb 24-Mar 27 | $80 |
| Jun 26-Jul 14 | Jun 23-Jul 17 | $80 |
| Jul 10-Aug 4 | Jul 7-Aug 7 | $80 |
| Jul 17-Aug 4 | Jul 14-Aug 7 | $80 |
| Aug 8-25 | Aug 4-28 | $80 |
| Aug 28-Sep 15 | Aug 25-Sep 18 | $80 |
| Aug 28-Sep 22 | Aug 25-Sep 25 | $80 |
| 2018 | ||
| Jan 8-26 | Jan 5-29 | $80 |
| Jan 29-Feb 23 | Jan 26-Feb 26 | $80 |
| Feb 26-Mar 23 | Feb 23-Mar 26 | $80 |
| Jun 25-Jul 13 | Jun 22-Jul 16 | $80 |
| Jul 9-Aug 3 | Jul 6-Aug 6 | $80 |
| Jul 16-Aug 3 | Jul 13-Aug 6 | $80 |
| Aug 7-Aug 24 (starts Tue) | Aug 3-27 | $80 |
| Aug 27-Sep 14 | Aug 24-Sep 17 | $80 |
| Aug 27-Sep 21 | Aug 24-Sep 24 | $80 |
| Business English (BE) | iMed Coverage Dates | Fee (CAD$) |
|---|---|---|
| 2017 | ||
| Jun 26-Jul 14 | Jun 23-Jul 17 | $80 |
| 2018 | ||
| Jun 25-Jul 13 | Jun 22-Jul 16 | $80 |
| Explore English | iMed Coverage Dates | Fee (CAD$) |
|---|---|---|
| 2017 | ||
| May 23-Jun 23 | May 20-Jun 25 | $85 |
| 2018 | ||
| May 22-Jun 22 | May 19-Jun 24 | $85 |
*iMed dates and prices are subject to change.
Changing Coverage Dates
If you arrive in BC before the iMed coverage start date for your ELI program, or if you would like to extend your health insurance coverage after the end of your ELI program, please contact the insurance provider, David Cummings Insurance, to purchase additional advance health insurance coverage.
David Cummings Insurance
#350-2083 Alma St.
Vancouver, BC, V6R 4N6
604.228.8816
andrew@david-cummings.com cc (copy) to: info@david-cummings.com
BC's Medical Services Plan (MSP)
MSP is BC’s provincial health insurance plan. Anyone living in BC for six months or longer (including international students) must enrol in MSP. MSP application forms are available at the ELI.
iMed for ELI students continuing to the next term or program
iMed fees will be assessed with the final tuition balance for all ELI students continuing to the next term/program. You must pay all iMed fees along with the final tuition balance even if you qualify to opt out.
University Groups/Group Bookings
Group bookings are subject to the same mandatory insurance and opt out policy.
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I have MSP coverage; can I receive a refund for my insurance?
Depending on the start date of your MSP coverage, you may be eligible for a partial or full refund. You must make your request for a refund directly with David Cummings Insurance by filling in the Opt out of ELI iMED coverage form and submit it to info@david-cummings.com. You can download the form here: http://www.david-cummings.com/iMED2/forms/index.htm
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How can I receive my refund?
Refunds may take up to 3-4 weeks to process. David Cummings Insurance will process and issue a cheque for you only if no claims were made to an address provided by you at the time of processing.
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I already have insurance from my home country; do I need an iMed insurance policy?
Yes! Everyone is automatically enrolled in our mandatory health insurance. Even if you already have medical insurance from your home country, you will still need to pay for mandatory iMed insurance.
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What does my coverage include?
Generally speaking, iMed is an emergency insurance plan that will cover regular doctor visits (if you’re sick) and emergency situations. Please refer to the iMed website for a detailed description of iMed medical coverage.
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Should I apply for MSP? How can I apply?
If you are staying in Canada longer than 6 months, you should apply for MSP coverage as soon as possible. You can come to ELI’s administration office to receive a MSP application form. You must fill it out and mail it directly to MSP with a copy of your study permit.
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Where can I get my iMed insurance card?
You will receive your insurance card by week 2 of the EAP/IEP session via email to the email address provided to ELI upon registration. Short program students should receive their cards prior to arrival. You may print out your insurance card yourself and should keep it with you at all times. If you have problems printing, opening the document, or did not receive the email please come to the administration office for assistance.
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Where can I use my iMed?
The easiest thing to do is visit UBC's Student Health Center. iMed is easily accepted and no payment is required for most visits. There are other locations in Vancouver that iMed is accepted. Please see the most updated list where iMed is accepted.
Cancellations
If you purchase MSP before or during iMed coverage dates, you may be eligible for a refund for a portion of your remaining iMed insurance. All cancellations must be made through David Cummings Insurance and not through the ELI.
Opt-out Policy
You can opt out of iMED only if:
- you are already covered by MSP or iMED (for the entire duration of registered ELI program) starting in or before the first month of an EAP or IEP session – in which case you can receive a full refund,
Or
-
you have become a permanent resident and have Canadian provincial health insurance before iMED coverage starts.
Note: having private insurance from your home country does not make you eligible to opt out of iMED.
You are required to pay the medical insurance fees even if you qualify to opt out. You can apply to opt out through David Cummings Insurance once your program has begun, but within 30 days of the start date of iMed. You must present the necessary documentation to David Cummings representatives to qualify to opt out. If you have MSP, you must show your CareCard or a letter from MSP confirming your coverage dates to a David Cummings representative. You can contact David Cummings Insurance at +1.604.228.8816 or at andrew@david-cummings.com with a copy to info@david-cummings.com.
Note: opt-outs, cancellations, and drop-outs are non-refundable if any claims were made. After any iMed insurance policy has ended, the insurance card will be invalid.
Drop-outs
If you drop all your classes, or do not arrive for your program because of visa denials etc., you are eligible for reimbursement of the policy fees you have paid. Decisions on whether you receive either a full or partial refund will be made on a case-by-case basis.
You have until week 3 of any EAP or IEP session to drop out of the mandatory iMed insurance plan. Drop-outs must be communicated via telephone, email, or in writing to receive a refund.
Note: opt-outs, cancellations, and drop-outs are non-refundable if any claims were made. After any iMed insurance policy has ended, the insurance card will be invalid.