Time to take a quick quiz:
- If you are a student planning to study abroad, do you need special travel insurance?
- Do students need travel insurance to study in Canada?
If you answered yes to both of those questions you get full marks! From a campus flu outbreak to a dental emergency, anything can happen. Getting sick or injured away from the comforts of home can be especially stressful, so you’ll want to know you’re taken care. That’s where travel insurance for students comes in.
Insurance for Canadian students studying abroad
The report of the Study Group on Global Education estimates that approximately 11% of Canadian undergraduates begin new education or research adventures in foreign countries each year. Moving to another country is a complex matter, and careful preparations are necessary.
If you are part of this cohort, you are likely heading to the United States, the United Kingdom, Australia, or France.
Did you know that the full benefits of your provincial medical health plan don’t travel with you to those countries? That means if you experience an emergency abroad, you could be stuck with costly medical bills. In fact, most schools require you to have a medical insurance plan before you begin your classes.
Here are specialized travel insurance plans you can choose from at SBIS to get comprehensive protection while you’re studying
Manulife Travel Insurance for Students helps cover emergency medical care, including diagnostic tests, prescription drugs and paramedical services. It also covers your annual physical and eye exam. Here are some features
- Up to $2 million in emergency and non-emergency medical benefits
- Up to $5,000 to reimburse tuition if you can’t attend school
- Up to $10,000 in accidental death or dismemberment (AD&D) coverage
- You can choose family coverage to protect your spouse and dependent children (minimum age 30 days old)
- Apply up to age 44
- Visit home on a trip break for up to 21 days without ending your coverage
- Stay at school longer by extending your coverage to a maximum of 365 days
- Spend the summer with coverage between semesters as long as you’re still enrolled
Destination: International Student Insurance Emergency Hospital & Medical Insurance is for Canadian students aged 40 or younger studying abroad and can cover an accompanying dependent under age 40. Features include
- Coverage during school breaks as long as the insurance is in effect during these periods, and provided you spend at least 51% of the period of coverage in your country of study
- Up to $2 million for reasonable and customary emergency medical, hospitalization and other costs incurred unexpectedly as a result of your sickness or injury
- Pre-natal care if you become pregnant
- Mental Health Care for inpatient hospitalization or outpatient services
TuGo Student Insurance includes important benefits like medical and dental treatment, and it also has a number of benefits that go above and beyond emergency medical.
- You are covered up to $150.00 for removal of an impacted wisdom tooth
- Psychiatric/psychological services are included
- Tutorial services are covered if you are hospitalized for 30 consecutive days or more
Insurance for international students coming to Canada
Given the rising cost of emergency healthcare services in Canada, in the unfortunate event that you become sick or injured while studying here, the financial repercussions could be devastating. Medical and dental treatments are expensive in Canada and international students often can’t get provincial healthcare. That means if you experience an emergency, you’ll be responsible to pay for any medical care costs while you’re here.
Fortunately, if you are a full-time international student under the age of 66, you can take advantage of comprehensive supplemental protection from leading insurance carriers through programs offered by SBIS.
Manulife Travel Insurance for Students coming to Canada can get the same coverage as Canadian student going aboard including emergency medical care, diagnostic tests, prescription drugs and paramedical services.
- If you get coverage after you arrive at school, there is a 48-hour waiting period except if you are accidentally injured or if you are extending an existing Travel Insurance for Students policy from Manulife
- Your policy and wallet card has contact information for the Assistance Centre, available 24/7, and the TravelAid mobile app can provide directions to the nearest medical facility and local emergency telephone numbers.
Destination International Student Health Insurance Plan includes 24/7 Worldwide Assistance, has no deductible and no co-insurance – paying 100% of covered expenses. Features include
- $2,000,000 of emergency health coverage
- Prescription drugs up to a maximum of $10,000 to a limit of 30-day supply
- Hospital confinement up to semi-private room
- Private duty nursing up to a maximum of $15,000
- Medical treatment by a physician
- Paramedical services up to a maximum of $600 per profession
- Non-emergency treatment up to a maximum of $3,000
- Emergency Air Transportation
- X-ray and diagnostic laboratory procedures
- Treatment of Dental Accident up to $5,000
- Ambulance services including mountain and sea rescue
TuGo Student Insurance for international students studying in Canada includes the same important benefits including medical and dental treatment. Here is a real example of how it can help
SBIS – Your tutor for student emergency travel insurance
At SBIS, we’re ready to teach you anything you need to know about student travel insurance. Whether you’re just starting to consider studying in Canada, or you’re already finalizing plans for the big move, it’s crucial to make sure your health care needs are covered while you are here. We can help you with a single phone call to one of our customer service representatives or you can go online to find out more. Let’s get started!