Travel Health Insurance for International Students in Canada

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As an International Student traveling out of your home country to Canada, your government insurance coverage does not travel with you.

Therefore, since the Canadian health care services are much more expensive compared to most other places across the globe, you may become financially unprotected from the costs of an unexpected medical emergency.


International Students Travel Insurance: What is it?

Canadian medical insurance for International Students is designed to cover the costs for health emergency treatment for foreign visitors, who are going to study in Canada.

More specifically, health insurance coverage for International Students in Canada will take care of the expenses associated with an immediate treatment such as hospitalization, surgery, physician services, etc. that results from an unforeseen event of medical emergency you might encounter during the period of insurance coverage, while you are in Canada or on a side-trip to another country.


International Students Travel Insurance: Who Needs It?

Since you are new in Canada, you will surely dedicate lots of time focusing on your studies and settling in. Yet, it is a perfect moment to ensure your financial stability with an International Students health insurance coverage, while you are pursuing your degree.

International Students medical insurance is ideal for you, if:

– You are a full-time student at an accredited Canadian school, college, university, etc.
– You are not eligible for any Provincial Insurance Plan
– You have just graduated and plan to stay in Canada gaining work experience related to your studies
So, unless you qualify for a provincial medical coverage in Canada, it will be a smart choice to make opting for a private travel health insurance plan for International Students, while you study in Canada.


International Students Travel Insurance: Requirements

Even though health insurance requirements for International Students are not always clear, it is essential that you examine a policy booklet before making the final purchase.

The best International Students health insurance:

– Designed specifically for international students
– Covers hospitalization, emergency medical care and repatriation
– Is purchased from a certified Canadian insurance provider

That is why, several trusted Canadian insurance companies we work with have come up with a travel health insurance plan that is specifically tailored to suit your healthcare needs as an International Student visiting Canada to study what you love.

The 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 International or Foreign Student insurance is designed to cover the costs for health emergency treatment only, with a few exceptions.


Special Features of International Students Insurance

Please, note that special features availability depends on an International Student health insurance plan you choose. In order to determine what a certain insurance policy offer read the Policy Wording that you can view by clicking on Plan Details button in the calculator above.
– Up to $2,000,000 worth of coverage for emergency medical care and hospitalization.
– Up to $5,000 in tuition reimbursement if you cannot complete your program due to an illness.
– Annual Physical Check Ups.
– Coverage for eligible spouse and dependent children.
– Eye Examinations and Vaccinations.
– Enhanced Pregnancy Coverage up to $10,000.
– Coverage for Tutorial Services.


Common Benefits of International Students Insurance

You will find a summary of benefits from all Travel Health Insurance Plans for International Students coming to Canada below.

International Students Canada travel health insurance plans provide a comprehensive coverage for various medical emergency procedures including dental repair, wisdom teeth removal, prescription medication, paramedical services of chiropractor, surgeon, physician, osteopath and much more.

Important Notice: The summary of health benefits provided below is only a short representation of actual International Students travel health insurance coverage. Please, contact one of our Insurance Advisors to learn more about medical emergency healthcare plans for International Students in Canada.

– Hospitalization
– Pregnancy / Maternity Benefits
– Emergency Medical Treatment
– Physician and Surgeon Services
– Paramedical Services
– Ambulance Transportation
– Private Duty Nurse
– Rental of Medical Appliances
– Prescription Drugs
– Physical and Eye Examinations
– Emergency Evacuation / Repatriation
– Emergency Dental Repair / Wisdom Teeth Removal
– Dental Pain Relief
– Vaccinations / Trauma Counselling
– Family Transportation / Subsistence Allowance
– Accidental Death & Dismemberment
– Psychiatric / Psychological Care
– Tutorial Services Coverage
– Tuition Reimbursement
We offer you a vast variety of travel insurance plans for International Students, from basic to platinum ones that are designed to give you a peace of mind during your stay in Canada.

A: It is always better to buy your insurance for International Student before you arrive in Canada in order to avoid a waiting period, which could last several days.

In order to make the purchase, all you need to do is to calculate a personal quote and fill out an application form. Our Insurance Advsiors will get in touch with you once we hear from you.

A: Even though International Students in Canada are not required to have health insurance, it is highly recommended that you secure your finances and avoid paying for costly emergency medical services, if you ever need such assistance it.
A: You can use our free online International Students health insurance to take a look at all available plans and compare the summary of benefits of each.

You should also check a Policy Wording of each plan you are thinking of purchasing in order to make sure that it cover what you need.

A: There are no official International Student insurance requirements set by the Government of Canada.

However, the best practices state that such student health insurance has to cover the essentials such as hospitalization, repatriation as well as emergency medical care.

A: Canadian insurance companies that offer their travel health insurance plans to International Students, who are coming to Canada, have an emergency dental insurance supplement.

Such dental insurance coverage will take care of the costs for emergency dental repair, wisdom teeth removal as well as dental pain relief up to the limit set by a particular insurance plan.

A: Yes, absolutely! If you are enrolled in a high-school, college or under the exchange program in Canada as an International Student, you are eligible to protect yourself using such insurance coverage.
A: It really depends on what you are looking for in terms of International Students insurance cost, benefits, service, etc. If you are looking for the cheapest International Students health insurance, you will certainly enjoy our offer.

You can use our online insurance calculator above to get a free quote as well as contact our Insurance Advisors to help you choose an appropriate plan that suits your needs.

Since you have made up your mind and getting ready to travel to Canada and begin your studies, you may want to explore the options that the Government of Canada has to offer you.

There is plenty of opportunities for International Students in Canada ranging from simple English as a Second Language (ESL) programs to an undergraduate/post-graduate career in an accredited College or University across Canada.

It has never been an easy decision to move away from your home and spend several years studying in a foreign country. However, what could be more exciting then exploring the world and meeting new people, while you are young and full of life!

Once you have made your choice to discover available opportunities as an International Student in Canada, you will need to consider several things.

> Which city to live in?
> Which school to attend?
> How to get a Study Permit?
> Would you be working in Canada during or after your studies?
> What are other required documents?

In order to find out more information regarding a preparation to become an International Student in Canada, please visit the International Student’s section on the official website of Citizenship and Immigration Canada.

Determining your eligibility in order to travel to Canada as International Student is the next important step after you have started to gather more information on the topic.
As an International Student visiting Canada you MUST:

– Provide a Letter of Acceptance from a Designated Learning Institution in Canada.
– Present a proof of sufficient funds to cover the expenses for living in Canada, tuition fees and transportation to your country of permanent residence.
– Have no criminal record and be allowed to enter Canada.
– Be in good health and complete a Medical Examination.
– Leave Canada by the end of your allowed stay.

Click to learn more – Eligibility Requirements for International Students

Having determined your eligibility and received all necessary documents, you may begin the application process for a Study Permit that will allow you to stay in Canada as an International Student.

Study Permit: Online Application Guidelines

Study Permit: Paper Application Guidelines

Note that depending on your country of citizenship, you may be required to obtain a Temporary Resident Visa (TRV) to enter Canada in addition to a Study Permit.

Find out if you need to apply for a TRV – List of Designated Countries

After you have submitted your application for Study Permit, you may be wondering what are the next steps on your way to come to Canada as an International Student.

Check how long the application review will take – Processing Times

Once a decision has been reached on your Study Permit application, there will be 2 options:

If your application is approved, CIC will send you a Letter of Introduction, which you must show to a POE Officer at the Canadian border to receive your actual Study Permit.

If your application is not approved, you will be receiving a Letter of Refusal with a a reason why your application has not been approved, so you can re-apply later again providing all needed documentation and following the official guidelines to minimize the risk of future refusal.

Reasons for Study Permit Refusal:

– Insufficient funds
– Failure to pass medical exam
– Failure to convince the Visa Officer that your primary goal in Canada is to study
– Failure to convince the Visa Officer that you will leave Canada by the end of authorized stay

The last step on your way to become an authorized International Student is arrival in Canada. It is very important that you carry all necessary documents with you at all times as you will be asked to present them at the point of entry to Canada.

Necessary Documents for International Students in Canada:

– Valid Passport or Travel Document
– Letter of Introduction issued by the Visa Office
– Valid Temporary Resident Visa (TRV), if it is required
– Copy of Letter of Acceptance from a Designated Learning Institution in Canada
– Proof of sufficient funds
– References to any other documents that were advised by the Visa Office

Important Notice: If you are carrying CAD 10,000 or more with you, you have to notify the CBSA Officer and declare the amount of money in writing. Failure to comply is considered a law violation.

The last thing is a health insurance plan for International Students coming to Canada as neither the Government of Canada nor the learning institution you are accepted into are responsible for the medical treatment expenses incurred while your stay in Canada.

Therefore, it is your responsibility to examine your health insurance options for International Students in Canada and protect your finances against the high costs of medical services.

Allianz Standard Allianz Enhanced Destination Canada Manulife
Hospitalization Up to sum insured Up to sum insured Up to sum insured Up to sum insured
Emergency Home Return/Evacuation Up to sum insured Up to sum insured Up to sum insured Up to $100,000
Emergency Medical Care Up to sum insured Up to sum insured Up to sum insured Up to sum insured
Emergency Services of Chiropractor,Osteopath,
$600 per profession $600 per profession $600 per profession $500 per profession
Stable Pre-Existing Condition N/A Covered Covered Covered
Ambulance Services Up to sum insured Up to sum insured Up to sum insured Up to $5,000
Prescription Medication Up to a 30-day supply Up to a 30-day supply Up to a 30-day supply Up to a 30-day supply
Follow-up Treatments Up to sum insured Up to Sum insured Up to $3,000 Up to sum insured
Bedside Companion Accommodation/Transportation Up to $5,000 Up to $5,000 Up to $5,000 Up to $3,000
Accommodation/Meals Expenses Up to $1,500 Up to $1,500 Up to $1,500 Up to $1,500
Private Duty Nurse/Medical Attendant Up to $10,000 Up to $10,000 Up to $15,000 Up to $10,000
Rental/Purchase of Medical Appliances Up to $10,000 Up to $10,000 Up to sum insured Up to sum insured
Return of Deceased Up to $15,000 Up to $15,000 Up to $15,000 Up to $10,000
Cremation at the Place of Death up to $5,000 Up to $5,000 Up to $5,000 Up to $3,000
Dental Accident Up to $5,000 Up to $5,000 Up to $5,000 Up to $2,500
Dental Repair Up to $600 Up to $600 Up to $600 Up to $100
Wisdom Teeth Removal $100/tooth $100/tooth $150/tooth $250/tooth
Maternity Benefit Up to $1,000 Up to $10,000 Up to $25,000 Up to $20,000
Physical Examination $250 per year $250 per year $150 per year $100 per year
Eye Examination One visit per year One visit per year One visit per year One visit per year
Tutorial Services $20/hour up to $500 $20/hour up to $500 $20/hour up to $400 N/A
Tuition Reimbursement in Relation to Emergency N/A N/A N/A Up to $5,000 per semester
Psychiatric/Psychological Care N/A Up to $10,000 inpatient/$1,000 outpatient Up to $25,000 inpatient/$1,000 outpatient Up to $5.000 inpatient
Trauma Counselling N/A Up to $10,000 inpatient/$1,000 outpatient Up to $25,000 inpatient/$1,000 outpatient Up to 6 sessions within 90 days
Accidental Death and Dismemberment Up to $15,000 Up to $15,000 Up to $10,000 Up to $10,000
Important Notice: The comparison chart of insurance benefits for International Students in Canada is only a summary of what is included in each insurance plan we offer. In order to see a full list of insurance benefits, please read the Policy Wording for an insurance plan of your choice.