Health & Dental Coverage
Alumo Health & Dental Coverage
The CCSAI works with Alumo to offer a comprehensive health and dental plan for full-time domestic students.
The Alumo plan covers a number of services including: Prescriptions, Dental Care, Vision Care, Student Assistance Program (SAP) powered by Dialogue for mental health resources and more.
Please note that the plan is active for semesters in which you are enrolled in a full time program and pay the Health and Dental Insurance (HADI) fee. Please check your fee statement to confirm that the fee has been paid and you are eligible. Students on Co-Op semesters, Apprenticeship, MAP or Part-time programs do not currently pay the Health and Dental Insurance fee.
Deadline to Opt-Out or Add a Dependent
The Deadline to Add Dependents or Opt-Out:
Fall 2026 – October 16, 2026 at 4:00 PM.
- To Opt Out or Add Dependents head to Alumo.ca and select either the Opt Out or Add Dependents tile and follow the on-screen prompts.
- Note: Students may only opt out of the plan or add dependents during their first semester of their academic year and provide proof of existing, comparable coverage. The opt-out process is processed through Alumo.ca directly.
DLO Enrolment
Full-time domestic distance learning students studying in Canada are eligible for the Extended Health and Dental Plan but may not be automatically enrolled.
Click here to enrol in the plan.
Please note that online profiles along with claims and predeterminations will not be active on Alumo.ca for the first two weeks of the semester due to a blackout period.
All enrollment files will be received and uploaded by day 10 of the semester.
Prescription Drugs
Cover:
$1,200 Maximum
Coverage Details:
90% co-insurance
Dental
Cover:
$400 Maximum
Coverage Details:
- 70% Basic & Preventative
- 50% Minor Restorative
- 15% Extractions and Oral Surgery (limit 2 wisdom teeth)
Extended Health
Coverage Details:
- 80% Paramedical Practitioners (per treatment)
- $500 Combined Maximum for a clinical psychologist/ speech therapist
- $300 Combined Maximum for a registered massage therapist*/ physiotherapist*
*Physician referral required*
Vision
Coverage Details:
• 100% Coverage for a general eye exam every 24 consecutive months ($80 maximum)
• $100 maximum for prescribed lenses and frames or contact lenses every 24 consecutive months
Domestic Health Plan Webinar
Benefit Card
A printable version of your benefit card is available here. Just fill in the last 7 digits of your student number on the certificate ID followed by CCS and it’s ready to use.
International Students Health Plan
International students, you’re covered as well, but you’ll need to check out Guard.Me or International Education for more information on your plan.
Distance Learning Health Plan Information
- Many domestic students enrolled in distance learning programs may not be automatically included in the Health and Dental Plan.
- To confirm your enrollment, review your fee statement for the $93.84 Health and Dental Insurance (HADI) fee. If this fee does not appear, you are not automatically enrolled.
- If you were not charged the fee but wish to have coverage from September 1, 2026 to December 31, 2026, email Accounts Receivable at [email protected] to request that the $93.84 charge be added. The deadline to submit your request is October 16, 2026 at 4:00 PM.
- Please note that processing may take 7–10 business days, but once approved, coverage will be retroactive to May 1, 2026, allowing you to submit eligible expenses incurred during that period through the Alumo Benefits App Portal
- If you wish to add dependents, the deadline is also October 16, 2026, at 4:00 PM. You can complete this process through the same link above, for an additional cost if this is your first academic semester.
Student Assistance Program (SAP) Powered by Dialogue
The Student Assistance Program has a number of professionals with various domains of expertise to support you and respond effectively to diverse needs.
This service offers online registration and appointments. Consultations are offered in many languages and can be done via video calls through Dialogue’s platform, ensuring confidentiality and flexibility. Y
You can also book appointments for one-hour in-person sessions through Dialogue’s 24/7 bilingual Call Centre by calling 1-855-853-0565.
How do I access?
- Follow this link: https://app.dialogue.co/ or download the Dialogue application from the app store.
- Call 1-855-853-0565
Services include:
- Mental health: Talk to mental health specialists about what’s on your mind.
- Career & work: Get advice on career planning, CVs, and recommendation letters.
- Family & relationships: Ask for help if you’re experiencing difficulties or conflicts with your family or relationships.
- Finances: Talk to a financial planner to find out more about managing a budget, debts, savings, etc.
- Nutrition: Get nutritional advice from a team of registered dietitians.
Frequent Asked Questions
Do You Have Dependents That Need Coverage?
You can add family members to your plan during the first academic semester of the school year. Visit Alumo.ca to complete the family application form by the required deadline. Please verify you have entered all information.
Already Covered?
If you are already covered by an extended health and dental plan, you can opt out of ours and receive a refund. You can find all the details on the Alumo website. Please note that we do retain $10 to maintain Accidental Death & Dismemberment benefits, access to the 24/7 student assistance plan for mental health and crisis support, and to cover administrative costs of processing the opt out.
*Only applies to students in their first academic semester of the school year.
When does my coverage start?
Your coverage begins after a two-week blackout period at the start of the semester but is retroactive to the first day of the month in which your semester began. This means you can submit claims for eligible expenses incurred during that time, provided you are a full-time domestic student enrolled in an in-person program and have paid the $93.84 HADI fee.
Can I opt-out of the WeSpeakStudent insurance to apply for the Canada Dental Care Plan (CDCP)?
No. All full-time students with a student health and dental plan—domestic or international—are not eligible for the CDCP, even if they opt out or don’t use their plan.
- Domestic students: Alumo plan
- International students: Guard.me insurance plan
More info: Canada.ca/Dental
To learn more about the health plan, or if you have any questions, call us at 416-289-5262 from 8:30 am to 4:30 pm, Monday to Friday or email us at [email protected]