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Student & Graduate Insurance Program
Apply For CoverageStudent & Graduate Insurance Program - Application Form
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The CVMA has designed a Student & Graduate Insurance Program that will give you and your loved ones peace of mind. Whether in the classroom or out in the field, take comfort in knowing you’re protected.
The Student & Graduate Insurance Program offers Life and Disability Insurance to students in all years one to four of study, as well as graduates until they become a CVMA member.
Each student who is a member of the Insurance Program pays an annual premium for the coverage. The premiums you pay depend on three factors: your age, gender, and smoking status.
No medical evidence is required.
No benefits will be paid during the first 2 years for any condition that required treatment or medical care during the 24 months prior to the effective date of coverage.
Coverage becomes effective on the first of the month following approval of your application.
Principal Features of This Plan
The rates are equal to that of the CVMA member rates and vary based on your age, gender and smoking status. The premium changes as you enter a new age bracket. Premiums are payable on the 1st of the month via pre-authorized bank deduction. Rates are reviewed on a yearly basis, each May 1st, and you will be advised in advance of any necessary rate changes.
*LTD terminates at age 65.
You may convert the Life Insurance benefit without Evidence of Insurability within 31 days of the termination of your certificate to an Individual Life Policy currently available at the prevailing rates for that Individual Policy provided:
NOTE: This summary is intended to provide a brief description of the benefits available under the CVMA Insurance Program and does not create or confer any rights. The exact terms and conditions of your benefits are outlined in the Certificate of Insurance provided upon acceptance. Some restrictions and/or limitations may apply to the benefits mentioned above. Please contact Group Insurance Solutions for full details.