Table of Contents:
- About This Insurance
- Simple Assessment Form
- Benefits
- Conditions
- Coverage
- Policy Changes After Issuance
- Our Offer
- Real-Case Examples
- FAQ
About This Insurance
Whether you’re an international student coming to Canada or a Canadian studying abroad, having comprehensive health and travel insurance is essential because provincial health plans often do not provide full coverage—especially for newcomers—leaving them vulnerable to significant out-of-pocket costs.
In 2024, over 360,000 students from around the world chose Canada to pursue their education and to learn English or French. In addition, Canadian students themselves may sometimes need to purchase student health insurance to fill the gaps in their provincial or government health coverage—especially when studying in another province or country. This type of insurance is available for the following individuals:
- International students coming to Canada for their studies (some provinces require private insurance).
- Canadian students studying in a different province within Canada (outside their province of residence).
- Canadian students who travel abroad for their education.
- Students residing anywhere in the world who are studying in another country.
- Students waiting for their public health coverage to begin (e.g., a 3-month waiting period in some provinces).
- Students who need more coverage than what is offered by their school or provincial plan.
An important point about student insurance is that the student’s family members can also apply for this coverage, provided they are under the age of 59 and live at the same address.
Simple Assessment Form
To choose the best and most suitable insurance and to receive an accurate quote, please complete the form below.
***Why is it important to provide accurate personal information in the insurance form? ***
Becoming an international student can be a exciting and frightening experience. However, we will be more than happy to answer your questions regarding coverage, but please remember that the sooner you get coverage, the sooner you are protected against potential incidents.
Benefits
- Medical coverage
- Prescription drug coverage up to $10,000
- Coverage for doctor visits and outpatient treatments
- Dental care coverage
- Coverage for medical and hospital equipment
- Ground and air ambulance coverage
- Pregnancy coverage (not delivery -childbirth- expenses)
- Repatriation or relocation of the insured person
- 14-day coverage for international study breaks
- Semi-private hospital room coverage for up to 60 days per illness or accident
- Accidental dismemberment coverage
- Death or repatriation of deceased coverage
Conditions
- The student must be enrolled full-time at a recognized educational institution with a valid Designated Learning Institution (DLI) number.
- Spouse or children can be added as dependents to the policy.
- All insured individuals, including the student and any dependents, must be under 59 years of age.
Coverage
- Emergency and non-emergency medical treatments: up to CAD 2 to 5 million
- Hospitalization, doctor visits, lab tests, and prescriptions
- Emergency medical evacuation and repatriation of remains if needed
- Accidental death and dismemberment coverage
- Mental health support, counseling, and telemedicine services
- Coverage for pre-existing conditions if stable for at least 90 days prior to the policy start date
- Coverage for domestic travel within Canada and short-term international trips (15 to 30 days)
Student Psychological Coverage
Coverage for psychologist services up to $10,000.
Student Eye Care Coverage
Coverage for eye exams and tests performed by an optometrist or ophthalmologist, as well as coverage for the purchase of eyeglasses.
Pregnancy Coverage
Coverage includes pregnancy care up to the end of the 31st. week and does not cover delivery (childbirth) expenses.
If the insured student voluntarily chooses to terminate the pregnancy, the pregnancy coverage will not apply.
This insurance must be purchased before the student becomes pregnant.
Pregnancy-related expenses are covered up to $25,000.
Policy Changes After Issuance
Usually, it is possible.
Our Offer
We offer two plans, tailored to fit the particular needs of international students in Canada.
International Student Emergency Medical Travel Insurance – for emergencies that may occur during your stay in Canada
International Student Health Insurance plan – comparable to a regular government health plan; you can visit a doctor for checkups, but emergencies are also covered.
Our tailored insurance solutions fill the gaps in the provincial or government health coverage and offer peace of mind throughout your academic journey.
Real-Case Examples
Soojin, a 20-year-old student from South Korea studying in a three-year college program in Ottawa, obtained international student insurance with emergency dental coverage up to $2,000 upon arrival. One day, while riding her bicycle, she had an accident that broke her front tooth, requiring immediate repair. She promptly visited a dental clinic, where emergency procedures including examination, X-rays, and tooth bonding and restoration were performed. The treatment costs were as follows:
- Emergency dental examination: $180
- X-rays: $90
- Tooth restoration and bonding: $1,150
Total amount paid by the insurer: $1,420 (100% covered within the dental coverage limit)
By having appropriate international student insurance, Soojin was able to focus on her dental treatment without financial worry and quickly return to her daily life and studies.
FAQ
Is insurance mandatory for obtaining a study permit?
It may not be mandatory for your study permit, but it is required by most schools and provinces.
