The Campus Trust, developed by students for students, is committed to enhancing the quality of life of Canadian post secondary students. The Trust is dedicated to stability, continuity, and transparent governance in the provision of comprehensive benefits at a minimal cost to members and dependants.

We truly believe that we have something special. Our benefits programs get stronger and more affordable with every new member. We would love to tell you more of our story; contact any of us to find out more.

Acadia Students' Union

Cape Breton University Students' Union

Holland College Student Union

Mount Allison Students' Union

Mount Saint Vincent University
Students' Union

New Brunswick College of Craft
and Design Student Association

Students’ Association of
Grande Prairie Regional College

SAIT Students' Association

Students' Association of
Medicine Hat College

Students' General Association of
Laurentian University

St. Thomas University Students' Union

University of Prince Edward Island Student Union


Why was the Campus Trust created?

Student Associations have always known and understood the benefits of working together. The Campus Trust was formed in 1998, by a group of like-minded student organizations. The student leaders were frustrated by the inconsistent rates they were paying for mediocre service and went in search of a better way to buy benefits.

After much discussion and investigation, the decision was made to form a legal trust that would provide ownership of benefit plans to member student organizations and help them buy the highest quality benefits at the lowest price possible. And so, the Campus Trust was born, giving student organizations a whole new way to buy benefits for their members.


Provide value. We offer highly competitive rates that stay consistent over the life of your program. Plus, by owning your own reserves you keep the profits. You can build a program that perfectly matches your members' needs and you only pay for what you need. Because we are independent we can continuously shop around for the best rates.

Keep transparent. We commit to full disclosure through complete, timely and accurate reporting for all member Student Organizations. This means complete clarity on administration expenses and reserve requirements, and the investment income earned thereon.

Make it easy. We make membership easy for you. We never resort to a hard sales push. We want you to understand why this is truly the best option for your members. We support new members every step of the way to get you up and running with all the support you need. You will never feel like you are on your own.

Gain knowledge. We educate student leaders so they can make qualified decisions to manage their plans. Further, we employ experts who provide us with great advice to guide the decisions of the Campus Trust. Our philosophy of teaching means student leaders have enough knowledge to make educated decisions.

Equal representation. We offer participation to all member student organizations on the Board of Trustees to ensure each organization has the opportunity to influence the direction of the Campus Trust.


Reasons to Join The Trust

The Trust is owned and governed by the students.

Participating Organizations have flexibility in the method of funding their premiums, and in turn paying for their benefits.

Each organization receives financial accounting reports that account for premiums paid, claims paid, expenses, reserves and investment income, to promote transparency.

An organization may take advantage of underwriting arrangements that are only available to large plans.

The Trust, through the Board of Trustees, creates an excellent and active peer network for a participating student association.

If you are interested in joining the Trust, or having the Trust perform a review of your current benefit plan(s), there are a few things that you will need to do. Contact our administrator:

How is The Campus Trust different from other providers?

The Campus Trust is a viable alternative to typical student health and dental plans. Our not-for-profit structure means that profits stay in the pockets of the student organizations, which ensure a legacy of savings. Brokers sell packaged products whereas our plans are flexible so you get and pay for exactly what your students need. Unlike brokers, we empower you to take control of the direction of your student organization’s plan. Our belief is that by providing ownership of health and dental plans to student organizations, and giving them the support they need, they can make better and more cost-effective decisions for their members.

How competitive is The Campus Trust?

Our rates are right in line with or better than the competition. But we let you customize your plan so it meets the needs of your student population; you only pay for what you need. Where the real value comes in is with the reserves. Our size gives us access to great investment opportunities and any investment gains go back to our member organizations. Great prices, the exact benefits you want and you keep the profits, that simple.

How do we know you won’t increase our rates once we’ve locked into a contract?

Brokers will sell you on a good rate but often boost the rates once you’re locked into a contract. Not us. We are committed to providing stability in rates over time. Our independence allows us to shop around to ensure we are always getting the best value for our members. Plus, we never ask our members to sign contracts.

How long are your contract terms?

While signing a long-term contract may seem like it provides security and be less work, we tend to disagree. Long term contracts are beneficial to brokers. Once they have student organizations locked in, they can raise rates and skimp on service. The Campus Trust members are never required to sign a long term contract which means we work harder to earn your business every day.  Our student organizations are free to leave at any time, if they are unhappy. But they don’t. Our retention rate is close to 100% because the program works.

Is it true that your program means a lot of work for Administrators and Student Leaders?

Let’s face it. No one wants to think about renegotiating their health and dental benefits contract. Comparing all of the companies’ offerings to find the best match is daunting. Give us a call today and we will show you how easy we can make it for you to join The Campus Trust.

Why are health and dental benefits so confusing?

For many of us, administering health and dental plans is just a small part of our responsibilities. With so many providers and program options it can be a bit overwhelming. At The Campus Trust we aim to make it easy for student organizations to build a program that suits their needs for the long term. And then we support you every step of the way as you launch your new program. We employ experts to help guide our decisions.