The IGNITE Health and Dental fee covers several services, including but not limited to dental, prescription medication, vision care, and extended health benefits. Nonetheless, we offer students the option to opt out of the IGNITE insurance plan, as long as students are covered under a different plan and have alternative proof of coverage. 

In order to opt-out, students must visit the www.wespeakstudent.com webpage and complete the form under the “Opt-out” tab.  The form must be completed and submitted by 4:00 p.m. on the deadline outlined below.

Opt-out dates:

• October 13, 2023 by 4:00 p.m.
• February 16, 2024 by 4:00pm
• June 7, 2024 by 4:00 p.m.

Students must show alternative proof of coverage in order to opt-out of either the Prescription Only or Entire coverage (prescription, dental, vision, etc).  Students who opt out of the IGNITE Health & Dental insurance plan successfully at the beginning of their academic year will be opted out for the full year.   

You must choose one option to opt-out of:

Health, Dental and Extended Health:

Choose this one if you are wishing to opt-out of the entire plan ($110.69). For a full opt out you would require alternate equal benefits in place from an employer, spouse, or parent.   

Prescription only:

Choose this option if you have private coverage from another source, for example: Parental figures or Work,  and are willing to opt-out of the prescription part of coverage only. This means you will have access to our dental and extended health coverage. If you do not opt out of this before the deadline, YOU WILL NOT RECEIVE A REFUND. 

**Please note that you can only choose ONE of the above options. **

You must also include your personal banking information as the refund will come as a reimbursement directly (Via Direct Deposit) from the insurance provider. Please note the refund will not be processed until after the opt-out date listed above.

If you have any questions regarding your opt-out application and or the process of opting out, please contact www.wespeakstudent.com and they will confidently offer tailored guidance on your inquiry. 

Please be advised that the deadline shown above will not be extended: no exceptions. 

Students can only opt out at the beginning of their academic year.  All ineligible applications will be disregarded and will not be approved to receive the corresponding refund. You will not be contacted if your application is not approved. 

If you have not been billed with IGNITE’s Health and Dental Insurance fee with your semester’s tuition and are looking to have coverage for this period, we’ve got your back! 

You can opt-in to our insurance plan, providing you are at least registered for one course or enrolled in mandatory placement for the semester you begin your academic year.

Listed below are the semester opt-in dates:

• Fall semester: September 1, 2023 – October 13, 2023, by 4:00 p.m.
• Winter semester: January 1, 2024 – February 16, 2024, by 4:00 p.m.
• Summer semester: May 1, 2024 – June 7, 2024 by 4:00 p.m. 

To opt-in, please email info@ignitestudentlife.com by 4:00 p.m. on the deadline listed above and we will inform you of the next step. 

IGNITE knows that every student is different, which is why we offer students the flexibility to choose a Health & Dental plan that meets their needs. All students who have paid the IGNITE Health & Dental Fee are automatically members of the Balanced Plan.   

If you would like to change your plan, please refer to the guidelines below:  

To compare and review what each plan entails and to decide which plan you would like to be a member of, please visit www.wespeakstudent.com  

To change your plan, students must visit www.wespeakstudent.com and select the “Choose Your Plan” option and complete the form within the dates listed below.

Plan change dates:

• Fall semester: September 1, 2023 – October 13, 2023, by 4:00 p.m.
• Winter semester: January 1, 2024 – February 16, 2024, by 4:00 p.m.
• Summer semester: May 1, 2024 – June 7, 2024 by 4:00 p.m.

The form must be completed and submitted by 4:00 p.m. on the deadline outlined above depending on the semester you begin your academic year. Please note that you will be a member of your chosen plan for the remainder of the full policy year.

All plans are the same price: you will not be required to pay any additional fees.  

If you have any questions regarding the different plan options available and plan change applications, please contact www.wespeakstudent.com and they will confidently offer tailored guidance on your inquiry.  

Please be advised that students are only eligible to switch their plan at the beginning of their academic year: all ineligible plans change applications will be disregarded.  

A healthy family is a happy family, and IGNITE offers students the opportunity to opt-in their family members to be covered under IGNITE’S Health & Dental Insurance plan.  Please note that only spouses and dependent children are qualified to opt-in.

If you decide to purchase family benefits for your spouse and/or dependent children, they will also be enrolled in the same benefit plan that you have. 

Please refer to the guidelines below to learn how to opt-in your family under your IGNITE Health & Dental Insurance plan. To opt-in your family member(s), please visit www.wespeakstudent.com and complete the “Family Opt-In” tab within the dates listed below depending on the semester you begin your academic year.

Plan change dates:

• Fall semester: September 1, 2023 – October 13, 2023 by 4:00 p.m.
• Winter semester: January 1, 2024 – February 16, 2024 by 4:00 p.m.
• Summer semester: May 1, 2024 – June 7, 2024 by 4:00 p.m. 

Please be prepared to pay any additional fees when opting in family member(s) onto your plan.   

If you have any questions regarding family opt-in applications, please contact www.wespeakstudent.com and they will confidently offer tailored guidance on your inquiry.  

Please be advised that students are only eligible to add their family members at the beginning of their academic year: all ineligible plans change applications will be disregarded.  

As an international student attending either Humber College or The University of Guelph-Humber, you are automatically enrolled in the Mandatory International Student Insurance (Morcare) alongside the IGNITE Health and Dental Plan (WeSpeakStudent).

1. Mandatory International Students Insurance (Morcare)

• This plan covers hospital and medical services. The cost of this plan is $420.00, and it will cover you from the beginning of your academic year through August 31 the following year.
• This plan covers hospital and specific medical services. You are not eligible to opt out of this plan as it is MANDATORY for international students.
• If you have any questions regarding this coverage, you will need to contact the International Students Office via the contact form here.

2. IGNITE Health and Dental

• This plan covers Prescription Drugs, Dental, Vision, Extended Health, etc. The cost of this plan is $110.69 per semester.
• If you have any questions regarding this coverage, please contact wespeakstudent.com

Whether you had an accident in the kitchen or need to take care of your beautiful smile, you will need either your Medical Card or Benefit Card.

If you’d like to access any service covered by Morcare, please ensure you present your Student Medical Card to your service provider.

You can download and print your Student Medical Card here. 

For services covered under IGNITE Health & Dental plan, please ensure you present your Student Benefit Card to your service provider.

You can also download and print your Student Benefit Card here!  

Should you have any questions regarding your IGNITE Health & Dental insurance plan, please contact www.wespeakstudent.com  If you have any questions regarding your MORCARE coverage, please contact Humber’s International Student’s Centre. 

Please let us know if you have any further questions.

WeSpeakStudent is the insurance administrator that IGNITE partners with to fulfill and deploy the IGNITE Health & Dental insurance plan to the students of Humber and UofGH.    

WeSpeakStudent ensures that students are entitled to several benefits, including but not limited to; dental, prescription medication, vision care, extended health, and accident benefits.  

WeSpeakStudent is responsible for all technical details, such as coverage maximums, deadlines, e-profile registration, how to submit claims, pending or declined claims, the remaining balance of your insurance coverage and other supporting information, for the IGNITE insurance plan.   

If you have any specific insurance-related questions that need clarification, please contact www.wespeakstudent.com 

Q: What is IGNITE’S Health & Dental Plan? 

A: The IGNITE Health & Dental insurance plan is automatically accessible to all active Humber and Guelph-Humber students billed with the insurance fee in their tuition. The plan covers various kinds of services including, but not limited to dental, vision, prescription medication, and extended health services.   

Q: How do I know if I am covered? 

A: Students who have paid the IGNITE Health & Dental fee of $110.69 CAD in their tuition breakdown are covered! We strongly recommend students to check their tuition breakdown every semester to see if all information is correct and, if necessary, take the required actions to ensure all fees are align before the anticipated deadlines.  

Q: What is covered under the plan? 

A: To learn more about all the amazing things you are entitled to as a student, please visit www.wespeakstudent.com. We highly recommend exploring the WeSpeakStudent website to gain information about your coverage details, claim submission instructions, and other insurance-related topics! 

Q: What plans does IGNITE offer and how do I choose a different plan? 

A: IGNITE offers three (3) different plans options and students who have paid the initial fee are welcome to choose a plan that optimizes their needs the most.  To compare available plans, and to complete the “Choose Your Plan” application before the anticipated deadline, can be achieved by visiting www.wespeakstudent.com.  

Please note all students are automatically members of the Balanced Plan.   

Q: I am covered under an alternative plan, can I opt-out? 

A: Students who are covered under an alternative plan are eligible to opt-out at the beginning of their academic year. To opt out, you must visit www.wespeakstudent.com and complete the Opt Out application before the anticipated deadline to qualify for a full refund.   

Please note, students can only opt out at the beginning of their academic year and students who successfully opt out in the beginning of their academic year will be opted out for the full year. 

Q: I was not billed with the IGNITE insurance fee and I would like to be covered, what should I do? 

A: Students who were not charged with the IGNITE insurance fee in the beginning of their academic year and are registered in at least one (1) course or enrolled in mandatory placement are eligible to opt-in!  To opt-in, please send an email to info@ignitetsudentlife.com during the opt-in period to request the opt-in application form before the anticipated deadline.  

Q: Can I add my family member(s) to my plan? 

A: Yes! Spouses and dependent children of Humber and Guelph-Humber students are eligible to opt-in additional family member(s) under the IGNITE insurance plan. To opt-in your family member(s), please visit www.wespeakstudent.com to complete the “Family Opt-In” tab before the anticipated deadline.   

Please note that students must be actively registered for the semester and can only opt-in their family member(s) at the beginning of their academic year. 

Q: I am an international student, what insurance am I entitled to? 

A: As an international student, you are entitled to two (2) different insurance plans: MORCARE and IGNITE Health & Dental.  MORCARE covers hospital and medical concerns and covers you for the full year.  IGNITE Health & Dental covers services including dental, vision, prescription medication, and extended health.  Whether you had an accident in the kitchen or want to clean your beautiful smile, you are covered!  

Q: How do I submit a claim? 

A: Students can submit a claim online or by mail. If you would like to submit a claim online, please visit www.wespeakstudent.com to create an e-profile.  

Please note that you must keep all original receipts and information pertaining to the appointment.