Study in Canada: Medical Insurance for International Students

Hospital expenses :

Hospitalization for injury, illness or psychiatric care

Out-patient and emergency department services

Emergency dental treatment:

- accidental injury;

- relief of pain

Prescription drugs

Diagnostic services

Psychiatric care

Physician services

Private duty nurse

Medical appliances

Ambulance transportation

Family transportation to bedside

Emergency evacuation

Repatriation of mortal remains

Tuition reimbursement

Paramedical services

Non-Emergency Medical Benefits

Annual physician visit (if 365 days are purchased)

Maternity benefit (if pregnancy commenced after the effective date of the policy)

Annual eye examination (if 365 days are purchased)

Exclusions and Limitations

Student medical insurance does not cover everything!

This insurance has exclusions, conditions and limitations.

Pre-existing Medical Condition

A Pre-Existing Medical 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 (or 3 months) prior to the effective date of the policy.

Some other Exclusions:

- Any sickness or injury when you knew, or for which it was reasonable to expect, before the effective date, that you would need or be required to seek treatment for that sickness or injury. (to replace terminal condition).

- Medical consultation that is non-emergency, on-going, elective or the consequence of prior elective procedure.

- Health examination for check-up purpose, regular care of a chronic condition, home health care, investigative testing, and rehabilitation.

- Any expenses incurred outside of Canada when you have not spent the majority of the period of coverage in Canada.

- Any medical condition arising during your period of coverage from, or in any way related to, the abuse of alcohol, drugs, or other intoxicants

Refer to the Policy Wording for the complete list of exclusions.

If you have questions, need assistance, want to purchase or extend your policy, please call at 416-493-0101, 1-833-700-7510 or ask your question online.