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Manulife Student


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Allianz: Study in Canada


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Destination Student



Allianz Global Assistance


Medical & Hospital Insurance


Who can apply? 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


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.


Apply Online

What's on this page

 Policy Wording

 Key Features

 Summary of Medical Coverage

 Pre-Existing Medical Condition &

    other Exclusions


 What to do if you get sick or injured

For assistance and to buy insurance, please call at  416-493-0101,


or Ask your question ONLINE



Who is eligible for this insurance?

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


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.


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.


Summary of benefits

Key Benefits

Maximum Limit

Sum Insured - $5 million

Includes coverage outside of province/Canada


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


Drugs or Medications up to a 30-day supply



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.


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


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


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


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


Up to overall maximum


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


Up to $5,000



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.


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


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.

See the policy document for the schedule of coverage.

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. Two options are availabe:

Standard Option does not cover any pre-existing medical condition.

Standard + 90 Days Stable Pre-ex Option 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 (pg 5-7).


NOTE: The product related information is for illustration purpose only. Please refer to the Policy wording for details on the coverage provided, conditions, exclusion and claim procedure.


What to do if you get sick or injured.

In the event of a medical emergency, you must notify Allianz Global Assistance within 24 hours of admission to a hospital and before any surgery is performed. For 24/7 emergency assistance call :

Toll-free Canada/USA: 1-800-995-1662

Toll-free worldwide: 800-842-08420 or

Country code + 00-800-842-08420

If unable to contact Allianz Global Assistance through the toll-free numbers, call collect: 416-340-0049. International operator assistance is required.

Have your policy confirmation with you at all times. In the event of sickness or injury which may result in claim, contact Allianz Global Assistance at the telephone numbers shown on your policy confirmation.  When contacting Emergency Assistance, please provide your name, your policy number, your location and the nature of your emergency.

You must notify Alliance Global Assistance within 24 hours of admission to a hospital and before any medical consultation or surgery is performed. Failure to do so without reasonable cause, will reduce the benefits payable to you under this policy 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 in your Policy Wording (pg. 12 - 13).




Standard Option

$1.90/day or $635.00/year
per person

Standard + 90 days stable pre-ex Option

$2.22/day or $745.00/year
per person


Minimum premium for the International Students to Canada plan is $30 per policy.


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