UHIP is a not-for-profit insurance plan. Premiums are based on the academic year (ending August 31).

Rates for September 1, 2025 to August 31, 2026:

Note: These prices are in Canadian dollars and include 8% tax.

UHIP premiums may change each September 1 based on:

• The cost of claims across all UHIP members.
• Expected increase to health care costs overall.

Before you register online, please check your University email inbox. You may already have received a copy of your UHIP coverage card from Cowan’s email—UHIP.RAMU@cowangroup.ca.

Remember to bring a paper copy of your UHIP card to your medical provider. Some providers outside of Cowan’s Preferred Provider Network may charge more than what UHIP pays. This extra cost is not covered by UHIP, and you will need to pay the difference to the provider.