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Student Medical Insurance for Canadian Students studying abroad or outside their province of residence
If you are a Canadian Student studying abroad (in the USA, Europe, UK, any other country) or Canadian Student studying in Canada but outside your principle province of residence, you should buy supplementary health insurance designed specifically for students. Learn the Benefits of Canadian student health insurance (studying abroad or outside province of residence), check your Eligibility, compare plans from different insurance providers (Manulife, TuGo, Destination Travel Group, GMS), get your instant quote and buy insurance ONLINE.
Get Your Instant Quote
* Compare benefits: Manulife Financial vs. TuGo **
Period of coverage cannot exceed 365
days. If
you need insurance for longer period of time, you can reapply for
the next period of coverage as long as you are eligible for this
policy
●
You are a student
enrolled in a school
(recognized institution of
learning) outside Canada (or
outside province of
residence); or ● You are an accompanying family member of
the student studying outside of Canada (of province of residence);
and ● You must be insured or eligible for benefits under the government health care plan of the province or territory in which you reside, for the entire trip duration.
You must be insured or eligible for benefits under the government health care plan of the province or territory in which you reside, for the entire period of coverage.
If your provincial health insurance plan terminates because of your long absence from your province of residence, you can consider Canadian Expatriate Hospital& Medical Insurance after the expiry date of your provincial plan.
Why you need Student hospital and medical insurance When you study outside of Canada or your province of residence, your provincial health care plan offers limited coverage for emergency medical care. Student medical insurance provides many important medical benefits that your provincial health plan lacks.
Benefits summary Student medical (health) insurance provides up to $2,000,000 coverage and usually includes: - Hospitalization and medical services (inpatient and outpatient) for injury, illness or psychiatric care, - Diagnostic tests required by a physician, - Use of licensed ambulance services, - Medications prescribed by a physician, - Accidental dental and dental emergency, - Psychiatric/ psychological care, - Annual medical examination and eye examination (if policy purchased for 12 months) - Repatriation, - Return you home if recommended by your attending physician, and more. Pre-existing medical conditions are covered provided these conditions are stable within 90 days prior to the departure date. Please refer to the policy wording for the details of coverage, for benefit limits, exclusions and limitations.
Insurance Providers and Insurance Plans Available Get information, policy wording, rates and buy medical travel insurance for Canadian students studying abroad or outside their principle province of residence from the insurance providers below. Choose the plan which is right for you.
If you have questions or more information please call at 416-493-0101, 1-877-443-0101 or
Travel Medical Insurance Plans for Canadian Students studying abroad
You can also consider Travel
Medical Insurance Plans. These plans may be cheaper than
Student medical insurance.
» Multi-trip Emergency Medical plans
If you usually spend
3-4 months in the country of study and come back home
for vacations, you can buy regular multi-trip emergency medical
travel insurance.
You’ll be covered for 12 months and can travel for an unlimited
number of trips which start and end in your province of residence,
up to the trip duration you have chosen
»
Youth Emergency
Medical plan Underwritten by Old Republic Insurance company of Canada Youth Emergency Medical Non-USA and USA Plans provide coverage outside the insured’s province/territory of residence for emergency hospital & medical, emergency medical evacuation/return home, repatriation of remains. Total amount of coverage is $1,000,000 Please refer to
the
policy wording for complete details of benefits, exclusions,
limitations, terms and conditions. Non-USA Plan: Travel must be to non-USA
destinations. USA Plan : Worldwide coverage including the USA.
Who is Eligible for Coverage? All of the following restrictions apply: • You are under 30 years of age. • You must not have a Medical Condition for
which a Physician has advised You against travel prior to Your
Effective Date. • You must not have been diagnosed with a
Terminal Sickness prior to Your Effective Date. • You must be insured under a valid Canadian
federal, provincial or territorial government health insurance plan
(GHIP) or Canadian university health insurance plan (UHIP).
Otherwise the limit of coverage is $25,000. • The Policy must be purchased prior to
departure
• The Covered Trip must not exceed 365 days. • There is no coverage for Emergency Medical if
You are travelling to the USA for more than 48 hours unless the
required premium is paid for USA destinations. • You must purchase the Policy for the full
duration of Your Covered Trip. • Emergency Medical Plan can only Top Up other
coverage that allows Top Up.
Coverage for pre-existing medical conditions
With this Policy
there is also no coverage and no benefits will be payable for claims
resulting from: any Pre-Existing Condition or Medical Condition that
was not Stable and Controlled during the 60 day period immediately
prior to Your Departure Date or which, in the opinion of Your
Physician, would be expected to require Treatment in the foreseeable
future.
If you have questions or more information please call at 416-493-0101, 1-877-443-0101 or
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