Allianz Global Assistance
INTERNATIONAL STUDENTS TO CANADA
HOSPITAL & MEDICAL INSURANCE

Who can apply?

What's on This Page

A very good health insurance coverage if you are an international student :

- whose country of origin is not Canada and who is residing in Canada on a temporary basis; and

- who is registered at a school, college, university or other governmentally accredited educational institution in Canada and attends classes as a full-time student, as defined by the institution; or

- remains in Canada for up to one year immediately after completion of studies as described above, and who is working or has applied to work in a field related to the studies completed.

Calculate the Cost of Insurance

(premiums and deductibles are in Canadian dollars)

Number of Accompanying Family Members

Age of the Oldest Accompanying Family Member

Plan does not cover pre-existing medical conditions

Standard plan + 90 days stable  pre-existing conditions

Plan covers pre-existing medical conditions which have been STABLE in the 90 days immediately before the effective date of the policy.

Eligibility and Key Features

Eligibility:

To be eligible for this medial insurance a person must:

a) be a student; or

b) be a dependent child or the spouse of an eligible student; and

c) as of the effective date, be less than 60 years of age; and

d) not be insured or eligible for benefits under a Canadian government health insurance plan; and

e) be in good health at the time you purchase your policy and on the date you exit your country of origin, and know of no reason to seek medical consultation during the period of coverage.

Waiting period

Coverage for losses resulting from any sickness will begin 48 hours after the effective date if you purchase your policy:

a) after you exit your country of origin; or

b) after the expiry date of an existing Allianz Global Assistance policy.

Any sickness that manifests itself during the 48-hour waiting period is not covered even if related expenses are incurred after the 48-hour waiting period.

Traveling outside Canada

The policy  pays for eligible costs incurred, up to the sum insured, while you are traveling outside of Canada, other than your country of origin, provided the majority of the period of coverage is spent within Canada. Trips to the United States are limited to 30 days.

To stay longer than planned

If you decide to extend your trip, you may apply for a new period of coverage provided you meet the Eligibility requirements of the new policy. If you have incurred a claim, the company will review your file before deciding on granting an extension. Each policy or term of coverage is considered a separate contract.

Refund of premium

Refunds are payable when:

1. The student fails to meet visa entry eligibility requirements.

2. The insured person permanently returns to his/her country of origin, 30 days or more prior to the expiry date of coverage.

3. The insured person becomes covered under a provincial or territorial health/medical plan.

No refunds are available, if claim has been or will be submitted.

Summary of Benefits

Sum Insured - $5 million.

Includes coverage outside of province or Canada.

Emergency Medical

• Physician, Surgeon, Anaesthetist

• Additional follow-up visits related to the emergency

• Diagnostics/lab tests and x-ray examinations

• Up to an aggregated limit of $10,000, for

   - Licensed local land or sea ambulance to the nearest hospital

   - Private duty services of a registered nurse

   - Rental of medical equipment or appliances

   - Blood and blood plasma, except when donated

• Professional Services $600 per practitioner/year include: legally licensed physiotherapist, chiropractor, podiatrist/chiropodist, osteopath, naturopath, acupuncturist.

• Emergency out-patient services provided by a hospital

Prescription drugs

Drugs or Medications up to a 30-day supply

Dental

ACCIDENTAL DENTAL

Treatment or services to whole or sound natural teeth which are damaged as a result of an accidental blow to the face – up to $5,000.

WISDOM TEETH

Extraction of impacted wisdom teeth, up to $100 per tooth for necessary dental and/or oral surgical procedures.

DENTAL EMERGENCIES

Treatment for the immediate relief of acute dental pain caused by other than a blow to the face, up to $600.

Eye examination

1 visit to optometrist (when a minimum of 12 months consecutive coverage has been purchased).

Physical examination

Up to a maximum of $250 (when a minimum of 12 months consecutive coverage has been purchased).

Emergency air transportation / Return home

Up to overall maximum.

Return of Deceased (Repatriation)

Up to $15,000 for return of deceased and up to $5,000 for cremation at place of death.

Transportation of family member or friend

Up to $5,000

Maternity benefit

Up to $1,000, for pre-natal care, miscarriage, or related complications.

No benefits will be payable for expenses incurred for childbirth.

The expected delivery date must be more than 10 months after the effective date of the initial policy purchased.

Tutorial services

Reimbursement $20 per hour up to $500 for the cost of private tutorial services if you are hospitalized or confined to your home for 30 days or more.

Accidental death & dismemberment

The insurer agrees to pay up to the sum insured of $15,000, for loss of life, limb or sight resulting directly from accidental injury occurring during the period of coverage, except while boarding, riding or alighting from an aircraft.

Exclusions and Limitations

Travel medical insurance does not cover everything!

This insurance has exclusions, conditions and limitations.

Pre-existing Medical Condition

A Pre-Existing Medical Condition exclusion may apply to a medical condition and/or symptoms that existed prior to your trip.

This plan covers emergency medical expenses relating to the condition that has been STABLE in the 90 days immediately before the effective date of the policy.

STABLE describes any medical condition or related condition, including any heart condition or lung condition, for which:

a) there has been no new treatment; and

b) there has been no change in treatment or change in treatment frequency or type; and

c) there have been no signs or symptoms or new diagnosis; and

d) there have been no test results showing deterioration; and

e) there has been no hospitalization; and

f) there has been no referral to a specialist (made or recommended) and you are not awaiting surgery or the results of further investigations performed by any medical professional.


The following are considered STABLE:

a) Routine (not prescribed by a physician) adjustment of insulin to control diabetes provided the insulin was not first prescribed during the stability period.

b) Change from a brand name medication to a generic medication provided the medication was not first prescribed during the stability period and there is no increase or decrease in dosage.

c) A minor ailment, which describes a sickness or injury during the stability period which ended prior to the effective date and which did not require:

     i. treatment for a period longer than 15 consecutive days; or

     ii. more than one follow-up visit to a physician; or

     iii. hospitalization, surgery, or referral to a specialist.

Some other Exclusions:

 •Traveling against the advice of a physician or any loss resulting from a sickness or medical condition that was diagnosed by a physician as terminal prior to the effective date of this policy.

• Injury resulting from training for or participating in: speed contests usually and customarily in excess of 60 km per hour; motor sport contests; stunt activities, exhibitions or demonstrations of any kind; professional sport activities; or high-risk activities.

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

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

• Any treatment, investigation or hospitalization which is continuation of, or subsequent to emergency treatment of a sickness or injury, unless approved in advance by Allianz Global Assistance.

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

The product-related information on this website 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, please contact Allianz Global Assistance at the telephone numbers shown on your policy confirmation.

You must notify AGA Emergency Assistance (toll-free 1-800-995-1662 or worldwide collect 416-340-0049) within 24 hours of admission to a hospital and before any surgery is performed.

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

Important Notice regarding claim procedure !

You, or someone on your behalf, must notify Allianz Global Assistance within 24 hours of admission to a hospital and before any surgery is performed. Failure to do so, without reasonable cause, will result in the reduction of eligible benefit amounts payable by 20%.

To apply for benefits under this policy, you will need to send a completed claim form (with all original bills attached) to Allianz Global Assistance. Consult the claim guideline on your Policy wording.

If you have questions about this coverage, want to purchase a policy or extend the policy, please, call at 416-493-0101, 1-877-443-0101 or ask your question online.

Questions?    Call us at 416-493-0101 or 1-877-443-0101