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Student Medical Insurance for Canadian Students

  studying abroad or outside 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.


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* Compare benefitsManulife 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.


Who can apply for Student medical insurance?

●  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.


Extended Absence from Canada
The provincial and territorial government health insurance plans limit the time a person can be out of Canada and still remain eligible for provincial healthcare coverage (180-212 days depending on province or territory). Check your province's health plan for details before leaving your province of residence.


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.


Insurance Provider

Plan Details

Buy Insurance

►  Manulife Financial 

 Policy for Students


Buy & get your instant policy Online

►  TuGo (Underwritten by Industrial Alliance)

 Student Medical Insurance


Buy & get your instant policy Online

  Group Medical Services (GMS)

 StudentPlan with Sport Participation Coverage


Please call at 1-877-443-0101
for more information and to apply
►  Destination Travel Group (Underwritten
         by CUMIS General Insurance Company

 International Student  Insurance


Buy & get your instant policy Online


If you have questions or more information please call at 416-493-0101, 1-877-443-0101 or  

Ask you Question online.



Investments:    RESP     RRSP    Segregated Funds

Revised: March 22, 2019