Summary
International students who come to Canada are not covered under a government health plan.
Canadian students studying abroad will not be covered adequately under their government health plan.
An international student medical policy will provide emergency medical coverage for both types of students for a few dollars a day. The policy has a coverage limit of $2,000,000.
Eligibility and Rates
INTERNATIONAL STUDENTS STUDYING IN CANADA
Eligibility Requirements
a) Be a student enrolled in a school in Canada, or
b) Be an accompanying dependent* under the age of 59 of an eligible student, and
c) Be currently in good health, and
d) Be less than 69 years of age at the time of application, and
e) Not be insured or eligible for benefits under a Canadian government health insurance plan. If you become eligible for and insured under the government health insurance plan of the province or territory in which you study, the insurance will then apply in excess of this provincial or territorial government health insurance plan.
*Coverage for dependents is only available to International Students age 59 or younger.
Rates
$2.25 daily or $740.00 for a year
CANADIAN STUDENTS STUDYING ABROAD
Eligibility Requirements
a) Be a student age 40 or younger at the time of application enrolled in a school outside Canada, or
b) Be an accompanying dependent under age 40 of an eligible student, and
c) Be currently in good health, and
d) Be insured under the government health insurance plan of the province or territory in which you reside, for the entire duration of your trip.
Rates
$2.25 daily or $740.00 for a year
Features and Benefits
Maximum Sum Insured
$,2,000.00
Emergency Hospital
Semi-private hospital accommodation
Emergency Medical
- Services of physician, surgeon, anesthetist, Diagnostics, lab test and/or x-ray. Licensed local land and/or sea ambulance.
- Up to $150.00 for taxi expenses in lieu of ambulance
- Private duty services of a registered graduate nurse up to $15,000.00
- Rental of medical appliances
- Oxygen and rental of equipment
- Blood and blood plasma
Professional ServicesPhysiotherapist, chiropractor, chiropodist, osteopath, podiatrist, acupuncturist, naturopath and speech therapist up to $600.00 per practitioner
Drugs or Medications
Up to $10,000.00 not exceeding a one-month supply
Maternity Benefit
Up to $25,000.00 for pre-natal care and involuntary termination of pregnancy or complications provided that pregnancy commenced during the period of coverage
Eye Examination
One visit during any 12 consecutive months
Physical Examination
One routine physical examination or one consultation for the “morning after pill” when 12 months has been purchased. Up to a maximum of $150.00.
Emergency Air Transportation/Return Home
When pre-approved by Active Care Management
Transportation of Family
Up to $5,000.00 to transport one family member and up to $1,500.00 for meals and accommodation
Non-Emergency Treatment
Up to $3,000.00 to continue medical treatment when pre-approved by Active
Care Management
Accidental Dental
Up to $5,000.00 for emergency treatment for accidental blow to the face
Dental Emergencies
Up to $600.00 for the immediate relief of acute dental pain
Wisdom Teeth
Up to $150.00 per tooth for extraction of impacted wisdom teeth
Return of Deceased
Up to $15,000.00 for return of remains or up to $5,000.00 for cremation or burial at place of death
Accidental Death & Dismemberment
Up to $10,000
Flight Accident and Common Carrier
24-Hour accident Psychiatric and Psychological CareUp to $25,000.00 for inpatient and up to
$1,000.00 for outpatient services
Prescription Glasses, Contact Lenses, and Hearing Aids
Up to $200.00 when required as a result of accidental injury
Tutorial Services
Up to $20/hour to a maximum of $400.00 for a qualified private tutorial service
Trauma Counselling
Up to a maximum of $500.00
Tuberculosis Testing and Vaccination
Up to a maximum of $100.00 for tuberculosis testing and vaccination or immunization during a
12-month period Pre-existing Conditions
Covered if stable in the 90 days prior to the effective date
Exclusions
Refer to policy wording for a complete list of the exclusions
Travelling Worldwide
While travelling, other than your country of origin, when at least 51% of the period of coverage is spent in your country of study
Refund
Full refund and partial refund available. Refer to the policy wording for more details