Insurance : Life  |   Mortgage Protection  |   Critical Illness |  Disability  |   Health & Dental Benefits  |   Group Benefits for Small Businesses

Visitors to Canada  |  Super Visa  |  Travel Insurance for Canadians  |  Snowbirds & Seniors  |   International Student  |  Canadian Student - Study Abroad


Manulife Student

  TuGo Student  

Allianz: Study in Canada

  RSA: Study in Canada  

Destination Student



Manulife Financial

Medical Insurance for Students


Get a quote or buy & get your instant student medical insurance policy ONLINE directly from Manulife Financial: please, click on the link below and you will be redirected to the secure Manulife Financial website.



Get a quote or buy Online


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 Condition &

    other Exclusions


What to do if you get sick or injured

Covid-19 Updates

There is no coverage for coronavirus OUTSIDE Canada when an advisory " To avoid all travel" and/or "To avoid non-essential travel" issued by the Canadian Government for your destination is in place before you left Canada (also see Exclusions).  To view the travel advisories, please click here to visit the Government of Canada Travel site. 

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


Who is this insurance designed for?

This insurance policy is designed for Full-Time Students including:

   ●  International (foreign) Students studying in Canada - Inbound students

   ●  Canadian Students studying abroad - Outbound students (see Eligibility)

   ●  Canadian Students studying in Canada but outside their principle province of residence - National students



Who can apply?

To be eligible for insurance under this policy, you must be:
   a full-time student with proof of admission or enrolment in a recognized institute of learning; or
   a student completing post-doctoral research in a recognized institute of learning; or
   dependant (s) and/or the spouse of and living with a student covered under this insurance

If you stay in your destination between semesters, you can re-apply for coverage as long as you have proof of enrolment in the following semester.


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.



You are not eligible for any coverage under this policy if your trip is booked and undertaken:
• contrary to medical advice;
• while you require kidney dialysis;
• if you have used home oxygen at any time during the twelve (12) months prior to the date of application; and/or
• you have been diagnosed with a terminal illness with less than two (2) years to live


Period of Coverage

Your coverage starts on the later of:

• the effective date shown on your confirmation; or

• for an inbound trip, the date and time of your arrival in Canada;

for an outbound trip, the date and time you leave Canada; or

for a national student, the date and time you leave your home.

A waiting period will apply if you purchase this coverage after your arrival at your destination. 

Your coverage ends on the earliest of:

• the expiry date shown on your confirmation; or

• no more than sixty (60) days after the date your enrolment as a student at a recognized educational institute terminates unless you are in the U.S.A. holding a valid F1 visa; or

• if you are a Canadian, the date you are no longer covered by a government health insurance plan; or

•  if you have purchased inbound coverage,

- the date you become insured under a government health insurance plan; or

- sixteen (16) days from the date you leave Canada to visit another country or when you exceed 49% of your period of coverage while visiting another country (except your home country). Coverage may be reinstated on the date you return to Canada with the approval of our Assistance Centre and if you can provide a statement of good health; or

• the date you cease to be a spouse or dependant as defined in this policy; or

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

• the date you return home.


Age. You must be under the age of 45.


Family coverage  is available to you, your spouse and dependent child(ren) who are travelling with you, who are listed on your application, and who are under age 45 if you have applied and paid for family coverage.


Waiting period

Any sickness that manifests itself during "waiting period" is not covered.

Waiting period is the 48-hour period following your effective date of insurance if you purchased this policy after the expiry date of your existing Manulife policy or after you leave home. Any claim due to sickness arising during a waiting period is not covered. No waiting period for injuries.


Trip Break - up to twenty-one (21) consecutive days. You have to call the Assistance Centre for approval: your coverage will be suspended, but will not terminate, while you are home. There will be no refund of premium for any number of days that you have return home.


What is covered outside Canada?

Outbound students:
 -  If your home country is Canada and you have purchased this coverage for outbound student,  the policy covers for emergency and Wellness Benefits while traveling outside Canada for the period of coverage shown on your confirmation.

Inbound Students (International students in Canada):
-  If you home country is not Canada and you have purchased coverage for inbound student, you are covered for  emergency medical benefits while you travel outside Canada for periods of up to fifteen {15) consecutive days, provided your travel outside Canada does not exceed 49% of your period of coverage and as long as your travel outside of Canada originates and terminates in Canada and excludes your home or home country.



Full refunds must be requested in writing before coverage commences.

Partial refunds must be requested before coverage expires. No refunds are available, if claim has been or will be submitted.


To stay longer than planned

You may be able to extend your coverage as long as:

1. your period of coverage does not extend beyond 365 days;
2. you remain eligible for insurance under this plan;
3. the extension request is made prior to the expiry date of your existing policy issued by Manulife Financial; and
4. there has been no change between single or family coverage.

NOTE: For policy extensions, no losses or expenses or benefits will be paid for any illness or injury which first appeared, whether diagnosed or not, or for which treatment may or may not have been received prior to the effective date of the extension of coverage under this policy. 



This insurance provides up to a maximum aggregate of $2 million per policy for emergency medical and non-medical coverage for covered risks.

Emergency Medical Benefits

Emergency means a sudden and unforeseen occurrence of an illness or injury that begins during the period of coverage and requires immediate medical attention.

    Hospital expenses – up to the maximum aggregate for

      -  60 days hospitalization for injury or illness

      -  30 days hospitalization for psychiatric care

      -  Out-patient and emergency department services

    Physician services – plus up to 5 follow-up visits

    Diagnostic services

    Private duty nurse – up to $10,000

    Ambulance transportation – up to $5,000

    Prescription drugs – up to 30 days supply

    Paramedical services - up to $300 per profession

    Emergency dental treatment

      - accidental injury – up to $2,500

      - relief of pain – up to $100

      - per extracted wisdom tooth – up to $250

    Psychiatric care – up to $5,000

    Trauma counseling – up to 6 sessions

    Medical appliances

    Emergency evacuation – up to $100,000

    Family transportation to bedside – up to $4,500

    Repatriation of mortal remains - up to $25,000

    Tuition reimbursement – up to $5,000

    Trip break – up to 21 consecutive days without termination of coverage

* Please note: For Canadians travelling abroad, if the claim is a result of an act of terrorism, this benefit may be limited


Non-Emergency Medical Benefits (Wellness Benefits)

Annual medical examination – up to $100 (if 365 days are purchased)

Annual eye examination (if 365 days are purchased)


Accidental death or dismemberment Insurance – up to $10,000



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) A pre-existing condition that was not STABLE in the three {3} months before your effective date.
b) Any pre-existing condition of a covered dependant that was not STABLE in the three (3) months before the date the
dependant became covered under this policy.

STABLE means a medical condition when all of the following statements are true:

• there has not been any new treatment prescribed or recommended, or change(s) to existing treatment (including a stoppage in treatment, and

• there has not been any change in medication, or any recommendation or starting of a new prescription drug, and

• the medical condition has not become worse, and

• there has not been any new, more frequent or more severe symptoms, and

• there has been no hospitalization or referral to a specialist, and

• there have not been any tests, investigation or treatment recommended, but not yet complete, nor any outstanding test results, and

• there is no planned or pending treatment.


Other exclusions:

This policy will not pay any expenses or benefits relating directly or indirectly to:

•  Any expense if you are either on an outbound trip or a national student without a valid government health insurance plan.

•  A medical condition when you knew, or for which it was reasonable to expect, before you left your home, or before the effective date of coverage, that you would need or be required to seek treatment for that medical condition.

•  Any emergency medical and non-emergency medical services for any injury that occurred or illness that started in your home country during a Trip Break.

•  Pregnancy, voluntary termination of pregnancy, childbirth or their complications.

•  !!! If you are Canadian, any act of terrorism or any medical condition you suffer or contract when an official travel advisory issued by the Canadian government states, "Avoid all non-essential travel" or "Avoid all travel" regarding the country, region or city of your destination, before you left Canada. To view the travel advisories, visit the Government of Canada Travel site.

This exclusion does not apply to claims for an emergency or a medical condition unrelated to the travel advisory.

 Refer to the  Policy Wording  for the complete list of exclusions (pg. 7-8).


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


What to do if you got sick or injured

Have your policy confirmation with you at all times. You can find the emergency phone numbers on your your policy confirmation.

In the event of sickness or injury which may result in claim, call the Assistance Centre immediately:

1 877 331-3134 toll-free from the USA and Canada

+1 (519) 251-7401 collect to Canada from anywhere else in the world.

The Assistance Centre is there to assist you 24 hours a day, each day of the year. 

When contacting the Assistance Centre, please provide your name, your policy number, your location and the nature of your emergency.


Please note that if you do not call the Assistance Centre in an emergency and prior to any treatment, you may pay 20% of the eligible medical expenses the company would normally pay under this policy. If it is medically impossible for you to call when the emergency happens, the company asks that you call as soon as you can or that someone calls on your behalf.


To apply for benefits under this policy, you will need to send a completed claim form (with all original bills attached) to Manulife Financial. Consult the claim guideline in your Policy Wording (pg. 8 - 9)



For a Single Applicant  : The premium rate of $2.70 is applicable to each day of coverage.

For National Students studying in another province or territory in Canada, the rate will be 50% less than the rate for a single applicant.

For Family Coverage The rate is two times the Single applicant’s rate.

NOTE: All applicants must be under the age of 45. Coverage must not exceed 365 days.
- Premium rate is in $CDN per person.

- Rates are subject to change without notice.

- Number of coverage days must include: the date of departure, the date of return, and the number of days in between.


Get a quote or buy Online


For more information, free consultation and to purchase a policy please call at

416-493-0101, 1-877-443-0101


Back to Top


Site map

Revised: August 05, 2021