As long as you are billed with the IGNITE Health and Dental Fee ($104.23) with your Fall 2022 tuition, IGNITE’s insurance plan has you covered, no matter what your needs are. You are automatically enrolled in the Balanced Plan.
Fall 2022 coverage period: September 1st – December 31st , 2022.
How to check your fees and tuition:
To download your benefits card, check your coverage details and status, submit claims, or change your plan, please visit wespeakstudent.com
General Plan Information
To Make a Claim
To do so online, you will need to go to www.wespeakstudent.com and create an e-profile. For your e-profile, you will need your Group number, Certificate number and provider’s name along with your banking details. You will also be required to submit a copy of your receipt pertaining to the service when submitting your claim. You will receive a direct deposit within 2-4 business days.
To do so by mail, complete the form under the Booklets and Forms Tab and mail it to the listed address. You will be reimbursed within 2-3 weeks.
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.
Eligibility and Dates
If your academic year begins in Fall 2022, please refer to the information below to learn how to opt out of IGNITE’S Health and Dental Insurance plan.
In order to opt-out, students must visit the www.wespeakstudent.com webpage starting September 1st, 2022, and complete the form under the “Opt-out” tab.
The deadline to complete and submit the form is October 14th, 2022, at 4:00 pm.
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 ($104.23). 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 OHIP+ and you are 25 or younger and willing to opt-out of the prescription part of coverage only. This means you will have access to our dental and extended health coverage.
**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 of October 14th.
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.
Eligibility and Dates
If you have not been billed with IGNITE’s Health and Dental Insurance fee with your Fall 2022 tuition and are looking to have coverage for this period, we’ve got your back!
If your academic year starts in Fall 2022, 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.
The opt-in period is open from September 1st, 2022, until October 14th, 2022, at 4:00 pm.
To opt-in, please email info@ignitestudentlife.com and we will inform you of the next step.
Eligibility and Dates
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 your academic year begins in Fall 2022 and 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 starting September 1st, 2022, and select the “Choose Your Plan” option.
The deadline to complete and submit the form October 14th 2022, at 4:00 pm. Please note that you will be a member of your chosen plan for the remainder of the full policy year (September 2022 to August 2023).
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.
Eligibility and Dates
A healthy family is a happy family, and here at IGNITE we offer 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 your academic begins in the Fall 2022 semester, 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 starting September 1st and complete the “Family Opt-In” tab. The deadline to complete and submit the form is October 14th, 2022, at 4:00 pm.
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.
Eligibility and Dates
As an international student, you are entitled to two (2) different insurance coverages:
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 September 1 through to August 31 the following year.
- 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 $104.23 per semester.
- If you have any questions regarding this coverage, please contact www.wespeakstudent.com
Whether you had an accident in the kitchen or need to take care of your beautiful smile, you will need to show your Student Medical Card to your service provider to show you are covered.
You can download and print your Student Medical 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, 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 $104.23 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.
