Destination : International Student Insurance
Underwritten by: The Manufacturers Life Insurance Company (Manulife).
Claims Administration and Assistance Services provided by: Active Care Management.
The Destination: Travel Group Inc.
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This health insurance
provides coverage for :
students enrolled in a school outside of Canada - Outbound
students (please see
students enrolled in a school in Canada - Inbound students
a) The Outbound Student (studying outside Canada) must be in her/his
province of residence when applying for this insurance.
b) There is no coverage for coronavirus OUTSIDE Canada while an advisory " to avoid
all travel and/or to avoid non-essential travel" issued by the
Canadian Government for your destination is in place on your
departure date from Canada (also see
here for information about the government advisories
for your point of destination.
All other medical treatment is
payable subject to the terms and conditions of the policy.
WHAT COVERAGE WILL YOU HAVE?
Canadian students studying
To be eligible for coverage you
must, as of the effective date:
be 40 years or younger at the
time of application enrolled in
a school recognized institution
of learning) outside Canada; or
be an accompanying dependent
under 40 of an eligible student;
be currently in good health; and
be insured or eligible for
benefits under the government
plan of the province or
territory in which you reside.
If you are not insured under the
government health care plan of
the province or territory in
which you reside, the portion
that would have been refunded by
the provincial or territorial
government health care plan is
not a benefit of this Insurance.
students in Canada
To be eligible for coverage you
must, as of the effective date:
be a student enrolled in a
school (recognized institution of learning) in Canada; or
be an accompanying
of an eligible student residing
in Canada; and
currently in good health; and
be less than 69 years
year of age at the time of application; and,
not insured or eligible for
benefits under a Canadian government health
insurance plan. If
you become eligible for and
insured under the government
health insurance plan of the province
or territory in which you study,
the Insurance will then apply in
excess of this provincial or
territorial government health insurance plan.
for dependents is only available
to International students age 59
Attention Canadian students studying outside
province of residence!
To be eligible for student medical
insurance, a Canadian student must be
a Canadian government health insurance
plan for the entire trip duration. You may be temporarily outside of
Canada or your province of residence for
a total of 180 - 212 days (depending on
the province or territory) and still maintain your
provincial health care coverage as long
as your primary place of residence is
still in this province. If you live
abroad more than 180-212 days, your
provincial health insurance plan may
To confirm your continuous provincial
health care coverage, you should contact
your local provincial Health Care
Insurance Plan office before you leave
means a person:
a) who regularly attends school, college, university,
or other accredited educational institution; and
b) who is enrolled in a minimum of 60% of the usual course
requirements for the program in which they are enrolled; or
c) who remains in their country of study for up to 60 days
immediately after completion of studies as described under a) and b) of this definition.
Period of coverage
Your coverage commences on latest
of the date indicated as the
effective date on
your confirmation of coverage, or you
depart from your home country.
Your coverage terminates on the earliest
of the following dates:
the expiry date indicated in the
365 days after the effective date of the
longer meet this policy's definition of
60 days after the date you are no
longer enrolled in a school .
if you have purchased inbound coverage, the date you become insured under a government health insurance plan; or
if you are a Canadian, the date you are no longer covered by a government health insurance plan; or
the date you cease to be a spouse or dependent as defined in this policy.
When you are enrolled in a school,
coverage will be provided during school
breaks as long as your Policy is in
effect during these periods.
This policy covers acute emergency hospital and other covered emergency costs
due to sickness or injury occurring during the period of coverage
while you are travelling, other than your country of origin,
provided you spend the majority of the period of coverage
within your country of study.
Medical expenses will not be
covered while you are in your home country
will be provided: if policy is returned within 10 days of purchase / if prior to the effective date / if
student visa is denied / if entry into country is
denied / if non arrival to country of study.
Partial refunds are available if:
You return your country of origin 30 days or more prior to
the expiry date of coverage, without intending to return to Canada.
student is no longer enrolled in a
school within Canada or the country of
You become covered under a provincial or territorial health/medical plan
No refunds are available, if claim has been or
will be submitted.
An administration fee may apply.
You can extend your period of
coverage before your Policy expires. Some
Summary of Benefits
Semi-private hospital accommodation
Emergency means a sudden, unforeseen
sickness or injury occurring during the period
of coverage, which requires immediate
intervention by a physician or legally licensed
dentist and cannot reasonably be delayed.
Services of physician, surgeon, anaesthetist
Up to $15,000 for private duty nursing
Diagnostic, lab test and/or X-rays
Licensed local land and sea
ambulance. Taxi expenses
up to $125 in lieu of ambulance
Rental of medical appliances
Oxygen and rental of equipment
Blood and blood plasma
Professional medical services
Physiotherapist, chiropractor, chiropodist,
osteopath, acupuncturist, speech therapist,
naturopath, or podiatrist up
to $600 per practitioner. Referral
from a physician needed for
acupuncturist and naturopath.
Limit of a 30-day supply, up
$25,000 for pre-natal care
and involuntary termination of pregnancy or
complications if pregnancy commenced during period of coverage
Annual physician visit
$150 for one routine physical
examination or one consultation
for the 'morning after
pill per 12 months period (if 365 days are
visit per 12 months period (if 365 days are purchased)
Emergency air transportation /
Up to Policy limit, when
pre-approved by Active Care Management
Up to $3,000
to continue medical treatment when per-approved
by Active Care Management
to $5,000 for accident
to $600 for dental pain
to $150 for impacted wisdom tooth
to $15,000 for repatriation
to $1,000 for outpatient
Up to $25,000 for hospitalization
Glasses, Contact Lenses, and Hearing Aids
Up to $200
when required as result of accidental injury
$5,000 for transportation costs and up to $1,500
for meals and accommodation in the event of your
$20/hour to a maximum of $400 for the costs of a
qualified private tutorial service in the event
you are hospitalized for 30 consecutive days or
Up to a
maximum of $500
Up to $5,000
to transport one family member and up to $1,500
for meals and accommodation
Accidental Death and Dismemberment
Maximum Limit - $10,000
Air Flight/Common Carrier
Exclusions and Limitations.
Student medical insurance does not cover everything. This
insurance has exclusions, conditions and limitations.
Please read them and understand the policy before you buy this insurance.
Medical Condition exclusion may apply to a medical condition and/or symptoms that existed
prior to your trip. This policy will not pay any
expenses or benefits relating to a pre-existing condition
that was not STABLE in 90 days prior to the effective date
of the policy.
STABLE means all of the following apply:
there have not been any new symptom(s); and
existing symptom(s) have not become more frequent or severe; and
a physician has not determined that the medical condition has become worse; and
no test findings have shown that the medical condition may be getting worse; and
a physician has not provided, prescribed, or recommended any new medication or any change in medication; and
a physician has not provided prescribed or recommended any investigative testing, new treatment or any change in treatment; and
there has been no admission to a hospital or referral to a specialty clinic or specialist; and
a physician has not advised referral to a specialist or further testing, and there has been no testing for which the results have not yet been received.
Some other exclusions:
Benefits are not
payable for costs incurred due to:
Any loss incurred in a city, region, or country when prior to the effective date,
the Canadian Government issued a warning to avoid all travel, or to avoid non-essential
travel to that city, region, or country, and such injury or sickness is due to,
contributed to by, or resulting from the reason for the warning.
Any pre-existing medical condition or any related conditions for which,
prior to your arrival date in Canada or country of study, you had, were
scheduled or recommended for a medical consultation for the purpose of
establishing a diagnosis, and for which results had not yet been received
at the time of departure from your country of origin.
Medical treatment or medical condition
originating while visiting your home country
investigation or hospitalization which exceed 30 days following
the initial day that outpatient treatment began, unless approved
in advance by the Assistance Centre.
Long term care or ongoing care
Refer to the Policy Wording for the complete list of
exclusions and limitations (pg. 3-5).
product-related information is for illustration
purposes only. For complete benefits, terms, conditions,
limitations and exclusions, please see the
to do if you get sick or injured
Have your policy confirmation with you at all times. In the
event of sickness or injury which may result in claim,
contact the Assistance Centre at the telephone numbers shown on
your policy confirmation and the
You must notify the Assistance Centre at + 1 (519) 945-1070 (collect)
or 1-833-886-1070 within 24 hours of any emergency medical treatment.
Failure to do so will result in your being responsible for 20% of any eligible
expenses incurred unless your emergency prevents you from calling.
You must call as soon as medically possible or have someone call on your behalf.
When contacting the Assistance Centre, please provide your name, your policy number,
your location and the nature of your emergency.
To apply for
benefits under this policy, you will need to send a
completed claim form (with all original bills attached) to
the Assistance Centre.
Outbound students studying outside of Canada
Students in Canada
Single 0-40 yrs
$2.14/day or $700.00/year
*Dependent 0-40 yrs
$2.14/day or $700.00/year
Single 0-69 yrs
$2.10/day or $688.00/year
*Dependent 0-59 yrs
$2.10/day or $688.00/year
Minimum premium is $20 per policy
365 days (or 366 days for leap years)
Dependent means: your legally married spouse or a person
with whom you have been cohabitating in a common-law relationship for
at least 12 consecutive months prior to the date of application; and
a) any unmarried children residing with you, who are more than 15 days of age
and age 25 or under and dependent upon you for their sole means of support; and
b) your parent, stepparent, legal guardian, brother, sister, stepbrother, or
stepsister who are living with the student while in the country of study.
Dependents are covered only when dependent coverage is selected
and paid for at the time of application..
Rates are subject to change without notice
For more information, free consultation and
to purchase a policy please call
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