Health Insurance Plan

International Student Health Insurance

The mandatory health insurance plan for all international students is Morcare, which is included in your fees. Coverage information, forms, Live Chat, and other information is available here:

Download the Morcare App OR Print your Morcare card

Morcare app on itunes

You can download the App here:

You can print your card after the 10th day of classes in any semester. 

  1. Go to
  2. Select “Fanshawe College”
  3. Click “Your Space” from the top menu
  4. Enter your Date of Birth and Student Number
  5. Print

Note:  If you need to visit a medical clinic before you have your card, please keep your payment receipts and mail your claim after the 10th day for re-imbursement. 

Coverage for students in full-time Post-Secondary programs

Health Insurance is billed on an annual basis. 


Students starting in the Fall term will be invoiced for the full year of coverage (September 1 to August 31).

Students starting in the Winter term will be invoiced (pro-rated) for coverage for the remaining months of the academic year (January 1 to August 31). 

Students starting in the Summer term will be invoiced (pro-rated) for coverage for the remaining months of the academic year (May 1 to August 31).

If your program continues in September, that is the beginning of the billing cycle for the next academic year. 

  • Note: Students who graduate continue to be covered by Morcare until the end of their current academic year (i.e. August 31). However, coverage ends if a student withdraws from Fanshawe.   

Coverage for students in EAP (English for Academic Purposes)

  • Students pay for coverage two months at a time and have the option to purchase coverage between EAP terms and the start of a post-secondary program.
  • For example, if your EAP term starts in September and ends in October, you have coverage for the entire month of September and October.
  • Note:  You have the option to purchase coverage from Morcare within three business days of the end of your EAP term, if you are returning to Fanshawe for a post-secondary program. Please email to make this request.  Coverage should be purchased for gaps in studies between EAP and post-secondary programs if you remain in Canada.

Early arrival coverage

Insurance shall commence 30 days prior to the policy effective date.  Early arrival coverage applies to first-year students only.  This is a one-time benefit that applies to medical services.

Examples of services covered (medically required):  walk-in clinic, emergency room, blood tests, x-rays, medical exams required by your Fanshawe program of study. 

Services not covered:  There is no coverage for medical exams related to immigration or visa applications.  Drug, dental, extended health and vision are not included in Early Arrival Coverage.

Family coverage

As a student, you may purchase a family plan at any time within 30 days of your program start date for the academic year.

For example, September-start students are eligible in September, January-start students are eligible in January, and May-start students are eligible in May. If you need to purchase family coverage outside of your eligibility period due to birth of a child, or arrival of your family members, please contact Morcare within 30 days of the event to discuss whether you qualify.

  1. Go to
  2. Select “Fanshawe College”
  3. Click “Family Opt-In” tile
    1. If your program does not start in September, January, or May, please call Morcare to complete a manual application.
  4. Enter your student number and information
  5. Follow the prompts to enter your child(ren) and/or spouse’s information
  6. Pay with credit card
  7. You will receive a confirmation email.


For more information:

It is your responsibility to ensure you have medical coverage while you are studying at Fanshawe.  Please contact Morcare if you have any questions about your coverage or if you would like to purchase additional coverage.