All prices here are in Canadian Dollars
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Student or Work visa medical insurance
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Administered by
Canada is one of the countries with best healthcare in the world but these medical services are not available free of cost to international students or work visa holders. Medical services in Canada can sometimes be very expensive. Therefore, we highly recommend international students and work visa holders to explore our affordable medical insurance plans Basic, Standard and Enhanced. Each of these plan offer medical coverage options from $15,000 to $200,000 for up to one year (365 days). You can also take benefit of our monthly payment plan option offered for only one year (365 days) and $100,000 coverage or more.
Medical services
Medical care received from physician in or out off hospital (conditions apply *)
Medical care received from physician in or out off hospital (conditions apply *)
Medical care received from physician in or out off hospital (conditions apply *)
Basic Diagnostic services
Lab tests required by physicians to determine a medical condition.
Lab tests required by physicians to determine a medical condition.
Lab tests required by physicians to determine a medical condition.
Advanced diagnostic services
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 centre *
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 centre *
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 centre *
Follow-up physician visits
One follow-up per event of sickness or injury
No limit
No Limit
Medical care
Private registered nursing/ Licensed home care, rental of hospital bed, wheelchair or use of other medical appliances up to $5,000 following emergency insured services prescribed by physician. (conditions apply *)
Private registered nursing/ Licensed home care, rental of hospital bed, wheelchair or use of other medical appliances up to $5,000 following emergency insured services prescribed by physician. (conditions apply *)
Private registered nursing/ Licensed home care, rental of hospital bed, wheelchair or use of other medical appliances up to $5,000 following emergency insured services prescribed by physician. (conditions apply *)
Prescribed medication
prescription medications up to $500 and not exceeding a
30-day supply. Medication that can be purchased over the counter is not covered.
prescription medications up to $500 and not exceeding a
30-day supply. Medication that can be purchased over the counter is not covered.
prescription medications up to $500 and not exceeding a
30-day supply. Medication that can be purchased over the counter is not covered.
Pre-existing medical coverage
Not covered
Not covered If conditions existed in 180 days prior to effective date
Covered if conditions existed and stable in 180 days prior to effective date.
Hospital stay
semi-private room when available and intensive care unit when medically necessary
semi-private room when available and intensive care unit when medically necessary
semi-private room when available and intensive care unit when medically necessary
Emergency ground transport
Licensed local ambulance service
Licensed local ambulance service
Licensed local ambulance service
Emergency air transport
if our medical advisor and your physician recommends then we will pay for one or more of the following:
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air ambulance
-
cost effective economy class fare for return to your home country
-
return air fare for medical attendant if necessary
-
stretcher fare on a commercial flight if necessary
(conditions apply *)
if our medical advisor and your physician recommends then we will pay for one or more of the following:
-
air ambulance
-
cost effective economy class fare for return to your home country
-
return air fare for medical attendant if necessary
-
stretcher fare on a commercial flight if necessary
(conditions apply *)
if our medical advisor and your physician recommends then we will pay for one or more of the following:
-
air ambulance
-
cost effective economy class fare for return to your home country
-
return air fare for medical attendant if necessary
-
stretcher fare on a commercial flight if necessary
(conditions apply *)
Accidental Death and Dismemberment
Not Available
Up to $25,000 coverage
Up to $25,000 coverage
Dental Accident coverage
Not Available
Up to $4,000 coverage if dental treatment is necessitated as a result of accidental blow to your face.
Up to $4,000 coverage if dental treatment is necessitated as a result of accidental blow to your face.
Dental pain relief
Not Available
Up to $300 acute dental pain for which you have not previously received treatment or advice
Up to $300 acute dental pain for which you have not previously received treatment or advice
90 day provision
Not Available
Reinstatement of coverage for a second claim related to the same condition
Reinstatement of coverage for a second claim related to the same condition
Side Trip Coverage
provides coverage in any other country (excluding your county of origin) you are travelling before your arrival to Canada or departure from Canada
(conditions apply *)
provides coverage in any other country (excluding your county of origin) you are travelling before your arrival to Canada or departure from Canada
(conditions apply *)
provides coverage in any other country (excluding your county of origin) you are travelling before your arrival to Canada or departure from Canada
(conditions apply *)
Healthcare practioners
accupuncturist, chiropractor, physiotherapist
accupuncturist, chiropodist, chiropractor, osteopath, physiotherapist, podiatrist
accupuncturist, chiropodist, chiropractor, osteopath, physiotherapist, podiatrist
INSURANCE BENEFITS
Benefits
Basic
Standard
Enhanced
WHY US?
* We provide insurance plans with certain benefits during your stay in Canada as international student but all insurance plans have some limitations, exclusions, conditions, and other terms that may limit the reimbursement to which you are entitled. Please review these policy wordings for further details:
-
Basic Plan
-
Enhanced and Standard Plan
$15,000 to 200,000 medical coverage options for up to 365 days (1 year). Provide extra $50,000 coverage of accidents on purchase of $100,000 coverage plan.
COVID-19 coverage within Canada subject to the regular terms and conditions of the policy.
Discounts available for companions and family.
Monthly payment plan available for student or work visa insurance with coverage of $100,000 for one year (365 days).
Coverage for stable pre-existing medical conditions - Enhanced plan only
Wide range of deductibles from $0 to $10,000 to get reduction in premiums.
100% refund - If no Visa Granted for any reason before effective date.
Partial premium refund - In case of change of plans provided there is no claim already processed
Monthly Payment Plan is available for only one year (365 days) and $100,000 coverage or more.
You are NOT eligible for student or work visa medical insurance if:
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you are traveling against the advice of a physician;
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you have been diagnosed with a terminal illness with less than two (2) years to live;
-
you have been diagnosed with or received treatment within the last two (2) years for pancreatic, lung, brain, or liver cancer; or any type of cancer that has spread from one part or organ of the body to another (metastatic cancer);
-
you have had or are waiting for an organ or bone marrow transplant (excluding corneal transplant);
-
you have a kidney condition requiring dialysis;
-
you have used home oxygen during the 12 months prior to the date of application;
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you reside in a nursing home, other long term care facility or rehabilitation centre; and/or
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You are age 86 or older (unless buying the Basic Plan)