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Medical Insurance For Canadian Students Studying Outside Canada

canadian student medical insurance

Finding medical insurance while a student outside Canada can be very difficult. You have many factors to consider when determining your most ideal medical insurance coverage.

Consideration #1 - Extend Your Provincial Medical Insurance While Studying Outside Canada

Your provincial medical insurance plan will only cover you for part of your time outside Canada. This coverage ranges from 182 days to 212 days depending which province you reside. Most provinces will allow you to extend your provincial health insurance for your extended stay outside Canada while attending a school.

If you have made the necessary arrangements with your provincial health insurance plan to extend the coverage then you can choose regular emergency medical travel insurance. Coverage can be purchase for as little as $1.15 per day if studying outside North America or $1,50 per day if studying in the USA.

Unfortunately our online quotation system for emergency medical travel insurance is limited to 180 days, so you will need to call us at 1 800-270-8058 to purchase this coverage.

Consideration #2 - Your Provincial Health Insurance Has Expired While Studying Outside Canada

If you are already outside Canada and you have not extended you provincial health insurance plan then you need to find an International Medical Insurance plan. We have sourced several insurance policies which will cover you. We have developed a custom module in our Insurance Quotation System which will assist you in finding the best plan available to you if you are studying outside Canada without provincial health insurance coverage in force.

Consideration #3 - Your Provincial Medical Insurance Will run out in 180-212 days

If you are planning to study outside Canada and you are unable to extend your provincial insurance then you can combined the two options described above.

In this situation it is best to purchase emergency medical travel insurance for the first 102-212 days (depending on your provincial health plan limits). Then effective the first day your provincial health plan expires you should purchase Outbound Student Medical Insurance for the remainder of your stay outside Canada.

Whichever strategy you determine to be best for you is available to assist you to find the best value plans available to Canadian outbound student. Our friendly staff is always available to answer any question you may have for your specific situation.

Frequently Asked Questions about Travel Insurance for Canadians

  • Do I need medical insurance while i attend school outside Canada?

    In most cases the answer is yes. Your provincial health insurance program only provides very limited coverage while outside Canada. Additionally, if you are outside you home province for a long stay your provincial medical plan may cease to provide any coverage. The good news is that many low cost private medical insurance plans are available. Some require that you extend your provincial coverage the entire time you are away. Some do not require you to maintain your provincial coverage.

  • I let my provincial health insurance plan expire. Can I still get covered.

    Yes you can. Many outbound student medical insurance plans are independent of provincial health plans. Please read the policy before purchase to confirm or call us at 800 270-8058.

  • What is the cheapest coverage available?

    In general the cheapest coverage are the plans that are second payer to your provincial plan and require you to keep your provincial plan in force the entire duration that you are studying outside Canada. You will be required to contact your provincial plan and request an extension for studying outside Canada.

  • I need proof of insurance before I leave. How long does it take to get a certificate?

    In most cases you will receive you confirmation kit via email immediately. But in some cases there may be a delay in processing so we recommend you apply for you coverage 48 - 72 hours prior to leaving Canada. You can always call us at 800 270-8058 during office hours to get instant confirmation of you plan number.

  • What does student medical insurance cover?

    In general, your student plan will cover medical costs incurred for any accident or sickness incurred while you are outside Canada.

  • What does student medical insurance NOT cover?

    Some plans do not cover pre-existing medical conditions, pregnancy, or annual checkups. The policy wordings are available for review prior to online purchase. We always encourage our customers to read the plan prior to purchase.

Companies providing Outbound Student Medical Insurance Plans

Plan Name Viator Individual Expatriate
Coverage amounts $1,000,000
Deductibles options $250, $500, $1,000, $5,000
Pre-existing Condition Exclusion Any condition (except for a minor ailment) for which the insured person has sought or received medical treatment, advice, follow-up visits, counseling, or has taken prescription drugs within one hundred and eighty (180) days prior to becoming insured under this policy. Such condition shall be covered when subsequently a continuous period of not less than three hundred and sixty-five (365) consecutive days has passed during which time the insured person has not sought or received medical treatment, advice, follow-up visits, counseling, nor has taken prescription drugs related to such condition.
Policy Wordings

MNUI - MultiNational Underwriters
Plan Name Student Secure
Coverage amounts

$250,000 Budget Plan

$300,000 Select Plan

Deductibles options $100
Pre-existing Condition Exclusion Charges resulting directly or indirectly from any Pre-existing Condition are excluded from existing Condition is any Injury or Illness which, within the 12 months prior to the Effective Date of Coverage, manifested itself, exhibited symptoms, or required medical treatment or medication, or for which a Physician was consulted
Notes These plans have an 80% co - insurance to the first $5,000 for the Select plan and $10,000 for the Basic plan if claim is swithin the USA.
Policy Wordings

TIC - Travel Insurance Coordinators
Plan Name Global Expatriate
Coverage amounts

$100,000 Basic Plan

$500,000, $1,000,000 Select Plan

Deductibles options $500, $1,000, $5,000, $10,000, $25,000
Pre-existing Condition Exclusion Any sickness, injury or medical condition that exhibited symptoms for which a diagnosis need not have been made or required any or all of: medical consultation, prescription medication, medical treatment or hospitalization prior to the effective date.
Policy Wordings

Travel Underwriters
Plan Name Student Medical Insurance
Coverage amounts $2,000,000
Deductibles options $0
Pre-existing Condition Exclusion Any pre-existing condition as defined with the exception of any condition which has remained stable in the 90 days prior to the effective date of the Policy. Pre-existing conditions that do not meet the criteria set out above are not covered.
Notes This plan requires provincial health insurance to be in force for duration of stay outside Canada
Policy Wordings