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Student Travel Insurance
Coverage for emergency medical expenses & checkups when studying away from home.
What is student travel insurance?
Embarking on educational pursuits, whether in a different province or overseas, or as an international student in Canada, brings the need for reliable protection against unforeseen medical emergencies.
Student travel insurance is specifically crafted to provide financial coverage for unexpected medical expenses that may arise while you are away from your home province or country for educational purposes.
With the right insurance coverage in place, students can concentrate on their academic goals without the worry of handling emergency medical costs. This peace of mind is invaluable for a successful and focused study experience.
Cover unexpected medical costs
If the visitor has a medical emergency during their stay in Canada, costs will be covered.
Up to 365 days coverage
Purchase coverage for up to one full year at a time.
Routine checkups
Includes coverage for routine physician visits, medical and eye exams
24x7 Support
Toll-free support is available 24x7 whenever you need and is multilingual.
How does student insurance work?
Pre-Trip Purchase: Secure your student travel insurance before leaving your home country. Ensure the coverage spans the entire duration of your study period abroad.
Travel with Confidence: Once insured, you can travel to your study destination, knowing you're protected against medical uncertainties.
Immediate Assistance for Medical Emergencies: In case of a medical emergency, promptly contact the insurer's 24/7 toll-free support line. This ensures you get immediate help when needed.
- Guided Access to Medical Care: The insurer's professionals will guide you to the nearest suitable medical facility, ensuring that your guest receives the best possible care quickly.
- Coverage for Routine Medical Needs: The policy often includes visits to local physicians for regular medical check-ups, keeping your health in check during your studies.
- Continuous Coverage During Breaks: The insurance typically remains active during short breaks or visits back home, providing continuous protection throughout your academic journey.
Get help with your travel insurance planning.
Speak with a professional advisor who can help.
How much does student travel insurance cost?
There are a number of factors that can affect plan pricing, including:
Age
Insurance costs generally increase with age.
Trip duration
Visitors to Canada coverage is based on a daily rate.
Destination
Cost varies you are studying in another Canadian province or internationally.
Inbound or outbound
Cost varies if you're an outbound Canadian student, versus international inbound to Canada.
Other types of travel insurance
Explore Your Coverage Options.
Visitors to Canada Travel Insurance
Coverage for emergency medical costs when your friends or family visit Canada from abroad, or to satisfy Super Visa requirements.
Emergency Travel Medical Insurance
Coverage for emergency medical expenses & checkups when studying away from home.
Trip Cancellation & Interruption
Reimburses non-refundable travel costs if travel plans are cancelled before departure or interrupted after departure.
Get in touch
Talk to an advisor who can understand your situation, answer your questions and help you build an insurance plan appropriate for you and your family.
Frequently asked questions
Answers to key questions about Student Travel Insurance.
It highly recommended. Your provincial health plan will not fully cover you abroad. If you face a medical emergency while studying outside of Canada, you could end up with high medical bills. Schools may require you to have a medical insurance plan before starting your classes. Student travel insurance provides this necessary coverage. If you will be studying outside your home province/territory for longer than 6-months it is recommended that you speak with your provincial/territorial health plan to request extensions - this is because maintaining your provincial/territorial health care plan is a requirement for travel insurance.
A Stability Period Exclusion is a common clause in Emergency Travel Medical Insurance policies. This exclusion refers to a specified period before the start of your trip during which any medical conditions must remain stable for coverage to be provided.
Key Points to Understand:
Definition of Stability:
A condition is considered stable if there have been no new symptoms, no changes in medication or treatment, and no new diagnoses or test results indicating the condition has worsened.
Duration of the Stability Period:
The length of the stability period can vary between insurance providers, typically ranging from 90 to 180 days before the commencement of your trip.
Implications of the Exclusion:
If your medical condition has not been stable for the required stability period, any claims related to that condition may be denied. This includes situations where the condition worsens or requires medical attention while you are traveling.
Examples:
- If you have a chronic condition like diabetes or hypertension, it must remain controlled and unchanged for the entire stability period before your travel for it to be covered under your policy.
- If you recently experienced a heart attack or had surgery, you need to ensure that your condition is stable for the specified period to avoid exclusion.
Importance for Travelers:
Understanding and adhering to the stability period exclusion is crucial for ensuring your emergency travel medical insurance is valid. It is advisable to review your medical history and potentially consult with your physician to confirm that your conditions meet the stability requirements of your insurance policy.
Tips for Compliance:
- Pre-Trip Check-Up: Schedule a medical check-up well before your trip to verify the stability of any existing conditions.
- Policy Review: Carefully read the terms and conditions of your travel medical insurance policy, paying close attention to the stability period and any related exclusions.
- Consult Your Insurance Advisor: If you have any questions or concerns about how the stability period exclusion might apply to your situation, consult with your insurance advisor for personalized guidance.
Understanding the Stability Period Exclusion helps ensure that you are fully covered in the event of a medical emergency during your travels.
Still have questions?
Please contact our office and we'll be happy to address any questions you may have.
