iMED Direct Billing Medical Clinics

Certain doctor clinics, emergency departments, and pharmacies are set up to bill eligible expenses direct to MSH International (the insurance company that administers iMED insurance). A list of participating facilities is below. To access a direct billing facility, you will need to show your iMED Card, and a piece of photo identification.

Vancouver Direct Billing Network (Google Map)

Okanagan Direct Billing Network (Google Map)

List of Direct Billing Clinics & Pharmacies (PDF)

Please Note:
You are not restricted to using the clinics or pharmacies in the iMED direct billing list, but those facilities offer the convenience of billing eligible medical expenses to MSH INTERNATIONAL (Canada) LTD., the iMED insurance claims administrator, so you do not have to pay up front. If your medical expense is not covered under the iMED policy, or if the clinic or pharmacy is unable to confirm the eligibility of your expense at the time of service, then you will be required to pay the clinic or pharmacy. Also, even if a portion of your medical care is billed direct to MSH by a medical clinic, you could still billed separately for certain services such as for ambulance.

Free virtual doctor consultation at


When and how can I access free doctor consultation with Maple?
Students whose iMED policy effective date is August 1st, 2023 or later get a free subscription to virtual consultation with Canadian doctors through the Maple app. Dependent family members accompanying you in Canada who are added to your iMED policy may also access your free Maple account, but only while your iMED policy is active.

Register at with the Member Policy Number on your iMED Card. Your free subscription will be active until your iMED policy expiry date. If you obtain provincial health coverage under BC Medical Services Plan (MSP) you will be able to continue to have free access to Maple virtual care using your MSP personal health number.

How does free Maple doctor consultation work with the iMED policy terms?

Even if your virtual doctor consultation with Maple relates to a condition or circumstance that is excluded in your iMED policy, the virtual doctor consultation with Maple will still be free of cost to you. However, please note that coverage for other medical expenses such as for medication, tests, specialist care, ambulance, hospitalization, or other ancillary medical services remain subject to the iMED policy terms and conditions, even if recommended or prescribed by a Maple physician. Please refer to your iMED policy wording for coverage details. To confirm eligibility of further medical services for your condition, and get help for how to submit a claim to iMED insurance call MSH Assistance at 1-800-808-2694 (open 24/7), or write to

Seeking care at Hospital

If you suffer a serious medical emergency that cannot safely be treated at a doctor clinic you will want to seek immediate treatment at a hospital Emergency Department or Urgent Care Centre. The phone number to call for BC ambulance service is 911.

Study Permit Holders Take Note!
For admission to a hospital, including an Emergency Ward or Urgent Care Ward, students who hold a Study Permit must present a copy of their current Study Permit in order to be charged the appropriate (lower) hospital rates for "Un-Insured Residents" who await coverage under BC MSP. Otherwise you will be charged much higher hospital rates for "Non-residents." If you do not have a copy of your study permit at time of hospital admission you must provide a copy of your study permit to the hospital billing department afterward to have your patient account adjusted.

Notify MSH immediately if admitted to Hospital
You must call MSH Assistance immediately if you are admitted to a hospital. Call 1 (800) 808-2694.
If you cannot call, notify MSH of your hospital admission by writing to
Note that the fastest response time will be from MSH's call centre which is open 24/7.
See the Emergencies page for further direction.

Hospitals in Vancouver
For Hospital and Emergency Department Locations and estimated wait times in the Vancouver Area visit

Hospital in Kelowna
Kelowna General Hospital

Pre-authorization of Medical Services

Obtaining Pre-Authorization from MSH International is recommended if you are referred for consultation with a specialist, and it is required for certain medical tests and procedures, such as CAT scan, MRI, and any surgery.

To get authorization for medical procedures, either call MSH Assistance at 1 (403) 538-2364 or toll free within North America at 1 (800) 808-2694 or write to