Each new school year we focus our attention on helping students prepare for the upcoming school year. Students studying outside their home country may be required to purchase private health insurance to cover their medical costs while away at school.
Sorting through the various medical insurance plans from various insurance companies can become overwhelming. Our guide is designed to provide some basic insight to the available student health insurance plans for international students who are studying inside Canada.
If you are planning to come to Canada to study, you need to be aware of the need for private medical insurance. Many provinces do not allow international students to be covered by the provincial health insurance plan. Even the provinces that do provide coverage may require you to wait three months before the provincial health insurance plan will take effect.
During the period of time while you are in Canada without medical insurance you will need purchase private health insurance. TravelInsuranceQuotes.ca has developed a quote system to help international students compare available insurance plans and rates. Once you have determined that you need to purchase a private health or medical insurance plan please visit our international student quotation system here;
For both Canadian Students outside Canada and International Students studying in Canada we urge you to read the policy booklets closely to understand the extent and limitations of your coverage. If you have any questions or concerns please feel free to email us or contact us at 403-354-4444.
Congratulations on your continued education. The decision to study outside of your province or country of residence is a big one. Chances are good that you’ve got a lot on your mind. But don’t forget to think about your health coverage.
Outside your province of residence, your provincial health care plan offers limited coverage for emergency medical care. StudentPlan fill those gaps helping you and your family feel safe so you can focus on your education.
StudentPlan (available to students under age 55) provides emergency medical coverage up to $2,000,000 with 17 comprehensive benefits including the cost of ambulance service, hospital rooms, treatment by a doctor, diagnostic tests and in-hospital drugs.
As an option, the plan can cover multiple family members. You can also choose between four and 12 month coverage periods to suit your study terms.
StudentPlan doesn’t stop at the classroom door. It also provides coverage for trips you may take while studying abroad.
And because we know that student finances are tight, we've designed StudentPlan with direct billing options to ensure that you aren’t left out-of-pocket for steep medical expenses.
If you play on an official university sports team, you may be at an increased risk of sports-related injury. Unfortunately, your school’s insurance plan may not provide full coverage for such injuries. StudentPlan provides student athletes playing on university athletic teams with coverage over and above their school’s medical coverage.
|Hospitalization||Covers hospital room and board charges, up to semi-private, and charges for intensive and coronary care|
|Medical Services||Covers the cost of treatment by a physician or surgeon|
|Diagnostic Services||Covers the cost of x-rays and other diagnostic tests|
|Out-patient Treatment||Covers the cost of out-patient emergency room charges|
|Prescription Drugs||Covers the cost of prescription drugs and medication prescribed in an emergency situation up to $1,000|
|Road Ambulance||Covers the cost for use of a licensed road ambulance in an emergency situation|
|Air Ambulance||Covers the cost for the use an air ambulance or regularly scheduled airline to transport you back to your province of residence|
|Special Attendant||Reimbursement of the cost of one, return-trip airfare for a medical attendant to accompany you back to your province of residence|
|Return of Family Member||Reimbursement of the cost of one, return-trip airfare for a medical attendant to accompany you back to your province of residence|
|Paramedical Services||Covers the cost for the use of an osteopath, physiotherapist, chiropractor, chiropodist, and/or podiatrist|
|Health Practitioners||Covers the cost for the services of a registered mental health professional ($300 maximum per person per year)|
|Accidental Dental||Covers the cost of repair or replacement of natural teeth or the relief of dental pain|
|Return of Remains||Covers the cost of preparation and transportation to the country of origin, or the cost of cremation or burial at the place of death|
|Family to Bedside||Reimbursement for the cost of one airfare for a family member to accompany you at your bedside|
|Coverage Continuation||If hospitalized and your plan expires, your coverage continues until seventy-two (72) hours after discharge from hospital|
|Out-of-Pocket Expenses||Covers accommodations, meals, phone calls and taxi or bus fares incurred by an accompanying family member in the event hospitalization continues after the policy expiry date.|
|24-Hour Travel Assistance Services||Wherever you are, our travel assistance firm will verify your coverage and make hospital and emergency arrangements for you.|
|Sports Participation (extra coverage for Student Athletes)||Choose this for students playing official university sports teams; it includes coverage for medical expenses that are a result of participation in their sport.
StudentPlan will pay reasonable and customary charges in excess of coverage from other insurance plans for eligible expenses that result from an accidental injury while playing a sport on a scholarship or waiver of entrance fees.