Travel Insurance for International Students Studying in Canada

Importance of Travel Insurance for International Students

Traveling to a new place, especially abroad, can be a daunting experience. As an international student, you will have to think about a lot of different things, including travel insurance. Traveling abroad comes with a unique set of risks, and having travel insurance can help protect you in the event of any unfortunate circumstances.

Travel Insurance in Canada

Emergency Medical & Non-Emergency Medical
Up to a maximum aggregate of $2,000,000
Accidental Death or Dismemberment
$10,000 for death or double dismemberment, or $5,000 for single dismemberment

Choosing the Right Travel Insurance Policy

Coverage

When selecting travel insurance, it is important to understand the coverage that you are getting. Make sure to read through your policy thoroughly to understand the extent of coverage. It is also important to know what the policy does not cover. Many policies will not cover pre-existing conditions and natural disasters, while some may exclude coverage such as alcohol-related injuries.

Cost

It is also important to consider the cost of the policy. Different policies have different levels of coverage and different premiums. Be sure to compare different policies to ensure that you are getting the best deal.

Coverage in the U.S.

Lastly, if you are traveling to the U.S., it’s important to make sure your policy covers you in the event of an emergency. Most Canadian travel insurance policies will provide coverage while in the U.S., but some may not. Be sure to check the details of your policy before you travel.

Conclusion

Having travel insurance is an important part of traveling abroad as an international student. Taking the time to do your research and understand the different policies available will help ensure that you get the best coverage for your needs.

Students

The Student plan offers those who are studying away from home a smart and economical way to help protect themselves against the cost of emergency medical and basic healthcare expenses and more.

Plans are available for full-time:

International students studying in Canada or
Canadian students studying outside their home province or outside of Canada.

Family coverage is also available for immediate family members residing with the student.

International Students Manulife

Canadian Studying Outside Canada Manulife

Canadian Studying in Canada Outside the Home Province Manulife

Inbound Students (International Students)

If you’re coming from outside Canada to study here, it’s important to protect yourself with medical insurance. While many medical costs are covered for Canadians, that protection does not extend to international students.

As an Inbound Student, this plan provides you with coverage for both emergency medical and basic healthcare expenses – up to $2 million.

Outbound Students (Canadian residents studying abroad)

If you’re a Canadian resident studying abroad, your government health insurance plan may only provide limited coverage, which may require you to cover expensive medical costs out of your own pocket.

As an Outbound Student this plan provides you with coverage for both emergency medical and basic healthcare expenses – up to $2 million.

National Students (for Canadian residents studying within Canada)

If you’re a Canadian resident preparing to study in Canada, but outside of your home province, your government health insurance plan may only provide limited coverage if you fall sick or get injured. You may be on the hook for expensive medical costs.

As a National Student, this plan provides you with coverage for both emergency medical and basic healthcare expenses – up to $2 million.

TRAVEL TIP: National Students while in Canada, pay a premium rate at half the cost of Outbound or Inbound Students

旅行保险为什么重要？

旅行保险是一种旨在帮助保护旅行者免受意外事件导致的财务风险的产品。如果旅行者需要取消旅行，丢失行李，生病或受伤，或面临其他意外费用或损失，它可以提供保护。

旅行保险有助于涵盖与医疗费用、丢失的行李、旅行取消、紧急撤离和其他服务有关的费用，这些服务可以帮助旅行者克服意外挑战。它通常建议所有国际旅行和昂贵机票，例如邮轮和航班。

拥有旅行保险对于旅行者来说非常重要，可以帮助他们保护投资，避免因意外事件导致的财务损失。良好的旅行保险计划可以提供安心，使旅行者对旅行更加舒适。

当涉及到SEO时，使用相关关键词是帮助搜索引擎算法识别与用户查询相关的内容的必要条件。使用诸如“旅行保险”、“旅行取消”、“紧急撤离”、“医疗费用”和“丢失的行李”等关键词可以帮助

Student travel plan

The plan that’s right for you

For full-time students including:

International Students studying in Canada
Canadian Students studying abroad
Canadian Students studying in Canada but outside their principal province of residence

Post-doctoral research students are considered as students.

Note: To be eligible, you must be under the age of 55. Any Canadian student must be covered under a government health insurance plan from a Canadian province or territory to apply. It is your responsibility to ensure continued coverage under the government health insurance plan of your province/territory of permanent residence.

International Students

Plan Overview

Emergency and Non-Emergency Medical Benefits*

Up to a maximum aggregate of $2 million for emergency medical and non-medical coverage for covered risks.

Emergency Medical Benefits

Hospital expenses
Physician services
Diagnostic services
Private duty nurse
Ambulance transportation
Prescription drugs
Paramedical services
Emergency dental treatment
Psychiatric care
Trauma counselling
Medical appliances
Emergency evacuation
Family transportation to beside and subsistence allowance
Repatriation of mortal remains
Tuition reimbursement
Trip break

Non-Emergency Medical Benefits

Annual medical examination – up to $100 per year
Eye examination – up to one visit per year

Accidental death or dismemberment – up to $10,000

Please note:

*Exclusions, limitations and conditions apply. See the policy for detail

Eligibility

No coverage is available under this policy if any applicant:

is travelling contrary to medical advice;
requires kidney dialysis;
has used home oxygen anytime during the twelve (12) months prior to the date of application;
has been diagnosed with a terminal illness with less than two (2) years to live.

Also, to be eligible for insurance under this policy, you must be:

under the age of 45; and
a full-time student with proof of admission or enrolment in a recognized institute of learning; or
a student completing post-doctoral research in a recognized institute of learning; or
dependent(s) and/or the spouse of and residing with, a student covered under this insurance and named on the application; and
purchasing coverage for an inbound trip, when your home country is not Canada and you are temporarily residing in Canada.

If you stay at your destination between semesters, you can re-apply for coverage as long as you have proof of enrolment in the following semester.

International Students studying in Canada

Canadian Students studying abroad

Canadian Students studying in Canada but outside their principal province of residence

Post-doctoral research students are considered as students.

Note: To be eligible, you must be under the age of 55. Any Canadian student must be covered under a government health insurance plan from a Canadian province or territory to apply. It is your responsibility to ensure continued coverage under the government health insurance plan of your province/territory of permanent residence.