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Do international students need health insurance in Canada?

Updated: Apr 2, 2023

Although Canada has some of the greatest healthcare in the world, international students do not have access to these services for free. Medical services in Canada may be rather costly at times. As a result, we strongly encourage international students to look into our basic, standard, and enhanced medical insurance policies to accommodate their medical and financial needs. Medical coverage choices from each of these plans range from $15,000 to $200,000 for up to a year (i.e., 365 days).

You may also benefit from our monthly payment plan, which is available for an insurance policy of $100,000 or more coverage for one year. My Travel insurance offers three different plans to better suit your medical and financial needs.

student visa insurance in canada

Basic Plan:

  • Medical care received from physicians in or out of the hospital is subject to some terms and conditions.

  • Private registered nursing/ licensed home care, rental of the hospital bed, wheelchair, or use of other medical appliances up to $5,000 following emergency insured services prescribed by a physician.

  • Prescription medications up to $500 and not exceeding a 30-day supply. Medication that can be purchased over the counter is not covered.

  • Side Trip provides coverage in any other country (excluding your county of origin) you are traveling to before your arrival to Canada or departure from Canada.

Standard Plan:

  • All benefits covered by the basic plan plus

  • Lab tests are required by physicians to determine a medical condition.

  • Standard Plan provides advanced diagnostic services like cardiac catheterization, angioplasty, and/or cardiovascular surgery including any associated test(s) or charges, magnetic resonance imaging (MRI), computerized axial tomography (CAT) scans, sonograms, ultrasounds, or biopsies if approved by our assistance center.

  • Pre-existing medical coverage not covered If conditions existed 180 days prior to the effective date

  • Provide dental accident coverage up to $4,000 coverage if dental treatment is necessitated as a result of an accidental blow to your face.

Enhanced Plan:

  • All benefits are covered by the basic and standard plan above.

  • If our medical advisor and your physician recommend then we will pay for one or more of the following:

    1. air ambulance

    2. cost-effective economy class fare for return to your home country

    3. return airfare for a medical attendant if necessary

    4. stretcher fare on a commercial flight if necessary

  • Reinstatement of coverage for a second claim related to the same condition

  • Dental pain relief up to $300 for acute dental pain for which you have not previously received treatment or advice

Student visa insurance in Canada benefits

We provide insurance policies that provide certain benefits throughout your time as an international student in Canada, but all insurance plans include restrictions, exclusions, conditions, and other terms that may limit the amount of reimbursement you are entitled to.

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