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Manulife Student


TuGo Student


Allianz: Study in Canada


RSA: Study in Canada

  Destination Student  


Destination : International Student Insurance

Underwritten by: The Manufacturers Life Insurance Company (Manulife).

Claims Administration and Assistance Services provided by: Active Care Management. Managed by:

The Destination: Travel Group Inc.


Get a quote and  purchase student health insurance ONLINE. Please click the link below and you will be redirected to the Destination secure website. Follow the on-screen prompts.




For assistance or to buy insurance over the phone, please call at

1-877-443-0101, 416-493-0101 or Ask your question ONLINE

What's on This Page

Policy Wording

Key Features

Summary of Benefits

Pre-Existing Medical Condition &

     other Exclusions


What to do if you get sick or injured


Who can apply? This health insurance provides coverage for :

Canadian students enrolled in a school outside of Canada - Outbound students (please see Eligibility!), and

International students enrolled in a school in Canada - Inbound students

Covid-19 Updates

a) The Outbound Student (studying outside Canada) must be in her/his province of residence when applying for this insurance.

b) Effective December 1, 2020, a DTGI COVID-19 Rider is available on the International Student Insurance Plan – Canadian Students Studying Abroad. Benefit Max:

Expenses related to Coronavirus (COVID-19) are subject to an overall maximum of $1,000,000 CAD per insured for reasonable and customary charges incurred by you as a result of an emergency in relation to Coronavirus (COVID-19) and related complications.

Pricing: Canadian Students Studying Abroad COVID-19 Rider costs 15% of the base plan.

All other medical treatment is payable subject to the terms and conditions of the policy.




Canadian students studying abroad  

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; and

• be currently in good health; and

•  be insured or eligible for benefits under the government health insurance 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. 

International  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 dependent* of an eligible student residing in Canada; and

• be 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.

*Coverage for dependents is only available to International students age 59 or younger.


Attention Canadian students studying outside province of residence!

To be eligible for student medical insurance, a Canadian student must be insured under 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 terminate.

To confirm your continuous provincial health care coverage, you should contact your local provincial Health Care Insurance Plan office before you leave your province.


Student 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 application; or

• 365 days after the effective date of the policy; or

• you no longer meet this policy's definition of student; or
•  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.


Travel worldwide.

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



Full refund 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.

• The student is no longer enrolled in a school within Canada or the country of study.

• You become covered under a provincial or territorial health/medical plan (inbound students).

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 conditions apply.


 Summary of Benefits

Key Benefits

Benefit Limits

Maximum Limit


Emergency Hospital

Semi-private hospital accommodation

Emergency medical

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.

Drug and Medications

• Limit of a 30-day supply, up to $10,000.

Maternity Benefit

Up to $25,000 for pre-natal care and involuntary termination of pregnancy or complications if pregnancy commenced during period of coverage

Annual physician visit

Up to $150 for one routine physical examination or one consultation for the 'morning after pill’ per 12 months period (if 365 days are purchased)

Eye examination

One visit per 12 months period (if 365 days are purchased)

Emergency air transportation / Return home

Up to Policy limit, when pre-approved by Active Care Management

Non-Emergency Treatment

Up to $3,000 to continue medical treatment when per-approved by Active Care Management


• Up to $5,000 for accident

• Up to $600 for dental pain

• Up to $150 for impacted wisdom tooth

Return of Deceased

• Up to $15,000 for repatriation


• Up to $1,000 for outpatient services
• Up to $25,000 for hospitalization

Prescription Glasses, Contact Lenses, and Hearing Aids

Up to $200 when required as result of accidental injury

Family transportation

Up to $5,000 for transportation costs and up to $1,500 for meals and accommodation in the event of your hospitalization

Tutorial services

Up to $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 more.

Trauma Counselling

Up to a maximum of $500

Transportation of Family

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 Accident  

24-Hour Accident


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.


A Pre-Existing 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

• Any treatment, 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).


The product-related information is for illustration purposes only. For complete benefits, terms, conditions, limitations and exclusions, please see the Policy Wording


What 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 Policy Wording.

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

International Students in Canada

Single 0-40 yrs $2.25/day or $740.00/year
*Dependent 0-40 yrs $2.25/day or $740.00/year
per person
Single 0-69 yrs $2.25/day or $740.00/year
*Dependent 0-59 yrs $2.25/day or $740.00/year
per person
  • Minimum premium is $20 per policy

  • Maximum – 365 days (or 366 days for leap years)

  • No deductible

  • 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 at

 416-493-0101, 1-877-443-0101  


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Revised: August 05, 2021