Travel Health Insurance for Canadian Students

If you are a Canadian Student travelling abroad or out of your home-province to pursue your degree, you can protect yourself and your financial well-being with a private health insurance for Canadian Students.
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Insurance for Canadian Students:
As a Canadian national travelling outside of your province of residence to pursue education, you can secure your financial well-being with a comprehensive insurance policy for Canadian Students!

You may already know that your Government Health Coverage does not fully cover the costs for your possible medical needs outside of your home-province.

That is why, opting for a Travel Health Insurance for Canadian Students will be a smart choice to make when you will live away from home.

Canadian Students Insurance Overview:

Travel health insurance for Canadian Students will take care of the costs for your emergency medical needs while, you are studying outside your province of residence.

Such health insurance works as an addition to your Provincial Health Insurance Plan covering up to $2,000,000 for medical emergency treatment during the period of your studies.

Insurance Requirements for Canadian Students:

Once you have decided that you are leaving your province of residence and would like to have your money safe from the medical emergency treatment expenses, it is time to determine your eligibility for a Canadian Students health insurance policy.

Health insurance for travelling Canadian Students is ONLY available for you, if:

– You are a Canadian Citizen or Permanent Resident
– You are 40 years old or younger
– You are currently covered under your Provincial Healthcare Plan
– You are going to study full time in a recognized learning institution abroad or another province/territory in Canada.
– You meet other conditions set by an insurance plan of interest.

Important Notice: Be advised that eligibility requirements may vary depending on the health insurance plan for Canadian Students travelling to study abroad or in other province in Canada. Please, read Policy Wording for an insurance plan of your choice or contact our Insurance Advisors, if you have any questions.

Student Insurance Benefits:
Most Canadian medical and travel insurance for International Students in Canada has its own coverage features depending on a plan of your choice.

Please, note that Student Insurance is designed to cover the costs for health emergency treatment only, with a few exceptions.
Summary of Insurance Benefits:
 
– Hospital Accommodation
– Emergency Medical Treatment
– Services of a Physician / Surgeon
– Emergency Repatriation
– Ambulance Services
– Nursing Care
– Paramedics
– Medical Appliances
– Prescription Medication
– Dental Repair / Pain Relief

Special Features of Student Insurance

Each travelling Canadian Students health insurance plan offers a set of special features that vary depending on a product you choose to cover yourself with.

– Medical emergency insurance coverage up to $2,000,000.
– Up to $5,000 for Tuition Reimbursement, if you are not able to finish your studies due to a sickness.
– Physical and Vision Examination once a year.
– Insurance coverage for dependents.
– Vaccinations and Pregnancy Coverage.
– Financial aid for Tutorial Services.
– Family coverage for spouse and dependents

To see what a certain insurance plan offers please read the Policy Wording that you can view by clicking on Plan Details button in the calculator above. Alternatively, you can contact our Insurance Advisors.

Frequently Asked Questions
If you are not familiar with private health insurance, feel free to take a look at some of the questions we get asked about medical insurance for Canadian Students to get started!

 

Q: Do I need student insurance If I am travelling to another province in Canada?
A: Getting a private student insurance as a resident of another province or territory in Canada is always a safe bet since your government health care coverage is severely limited once you enter another provincial jurisdiction.
Q: Am I required to buy insurance when travelling out of Canada to study?
A: While you may not have to purchase insurance when you leave Canada to pursue your education abroad, you should definitely take the risks into consideration. Please note that certain countries do require a proof of insurance when you apply for a student visa and/or enroll in a school or a university there.

Most importantly, as a Canadian national your government insurance plan will only cover the full spectrum of eligible medical services when you are physically present in your province of residence. When you travel to another province or outside of Canada, your provincial insurance coverage does not travel with you. As a result, it will be your responsibility to take care of the majority of possible medical care costs.

Q: What benefits to look for when choosing an insurance policy for Canadian students?
A: Since most of the insurance plans for students provide medical emergency coverage, you should always check whether a plan you are interested in covers the following:

– Hospitalization
– Ambulance transportation
– Physician’s services
– Emergency Return Home
– Prescription Medications

While these benefits should be a part of every single plan designed for people travelling out of Canada, it never hurts to make sure that you are getting the coverage you need before you make a purchase. In order to compare different plans or if you are looking for a more detailed information regarding your insurance options please get in touch with our Insurance Advisors!

Q: Should I get additional insurance if I have travel coverage with my credit card?
A:Credit card insurance plans may look like a great deal on paper, however, it is not always the case in reality. As a Canadian national studying abroad, you will need a comprehensive long term coverage, which most credit card insurance policies do not provide.

The number of covered trip days with your credit card insurance is limited. Usually, such coverage duration ranges from just a few days to a few weeks, but rarely it covers any stay abroad that lasts months.

Therefore, by getting a specialized insurance product that is designed for a long-term stay abroad, you will give yourself a peace of mind knowing that you won’t unexpectedly run out of coverage.

Q: Does insurance for Canadian Students cover routine medical treatment?
A: Most private insurance policies for students have limited coverage for non-emergency treatment such as trauma-counselling, annual physical and eye exam, etc.

However, Student Insurance does not cover any continuous or elective medical treatment as well as non-medical emergencies including lost or damage baggage, vehicle return and so on. In order to see what exactly is covered by a plan of your interest, please refer to its Policy Wording or contact our Insurance Advisors for details.

Q: When should I buy a medical insurance policy for Canadian Students?
A: It is recommended that you purchase your student insurance policy before you travel to the country of your destination in order to avoid the risks of having an emergency while not being insured.

The best time to buy yourself an insurance plan is once you get your travel plans set such as when you get your airplane tickets as well as confirmation of enrollment letter.

If you need any assistance with purchasing a policy, please speak with our Insurance Advisors.

 
If you were unable to find what you were looking for, please take a look at our General FAQ for more information, or talk to our advisors and we will be happy to assist you!

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