Overview

When you come to Canada to study, you can expect a warm welcome. What you can't predict – because nobody can – is whether you'll have a medical emergency while you're here. Travel Insurance for Students helps cover emergency medical care, including diagnostic tests, prescription drugs and paramedical services. It also covers your annual physical and eye exam.

Simple, comprehensive protection while you're studying.

  • Up to $2 million in emergency and non-emergency medical benefits
  • Up to $5,000 to reimburse tuition if you can't attend school
  • One medical exam (up to $100) and one eye exam every year
  • Up to $10,000 in accidental death or dismemberment (AD&D) coverage
  • Save when you choose family coverage to protect your spouse and dependent children (minimum age 30 days)

Quick quote & buy online

Apply up to age 44

  • Student from anywhere in the world, not covered by a Canadian provincial or territorial health insurance plan
  • Full-time student with proof of admission or enrolment in a recognized institute or learning, or 
  • Student completing post-doctoral research in a recognized institute of learning

You are not eligible for this coverage if you:

  • Are travelling against the advice of a physician
  • Have been diagnosed with a terminal illness with less than 2 years to live
  • Have a kidney condition requiring dialysis
  • Have used home oxygen within 12 months of your application date

Flexibility when plans change

  • Visit home on a trip break for up to 21 days without ending your coverage
  • Stay at school longer by extending your coverage to a maximum of 365 days
  • Spend the summer with coverage between semesters as long as you're still enrolled

Cover many emergency medical costs*

  • Up to 60 days for injury or illness; up to 30 days for psychiatric care
  • Outpatient services
  • Emergency department services
  • Physician services – plus up to 5 follow-up visits
  • Paramedical services – up to $70/visit to combined maximum of $700
  • Psychiatric care – up to $5,000
  • Trauma counselling – up to 6 sessions
  • Private duty nurse – up to $10,000
  • Medical appliances
  • Diagnostic services
  • Prescription drugs – up to 30 days' supply
  • Accidental injury – up to $2,500
  • Pain relief – up to $100
  • Wisdom tooth extraction – up to $250/tooth
  • Ambulance – up to $5,000
  • Emergency evacuation – up to $100,000
  • Family to bedside and subsistence allowance – up to $4,500
  • Repatriation of remains – up to $25,000
* Conditions, limitations and exclusions apply. See policy for details.

What's excluded?

  • Pre-existing conditions that have not remained stable in the 3 months before the effective date
  • Medical conditions related to genetic, acquired or congenital birth defect for children under age 2
  • If you get coverage after you arrive at school, there is a 48-hour waiting period except if you are accidentally injured or if you are extending an existing Travel Insurance for Students policy from Manulife

Pre-existing condition means an injury, sickness or symptom that existed before your effective date.

Stable medical condition means that all of the following apply:

  • there have not been any new symptom(s); and
  • existing symptom(s) have not become more frequent or severe; and
  • a physician has not determined that the medical condition has become worse; and
  • no test findings have shown that the medical condition may be getting worse; and
  • a physician has not provided, prescribed, or recommended any new medication or any change in medication; and
  • a physician has not provided prescribed or recommended any investigative testing, new treatment or any change in treatment; and
  • there has been no admission to a hospital or referral to a specialty clinic or specialist; and
  • a physician has not advised referral to a specialist or further testing, and there has been no testing for which the results have not yet been received.

Change in medication means the medication dosage, frequency or type has been reduced, increased or stopped and/or new medication(s) has/have been prescribed. Exceptions: the routine adjustment of Coumadin, warfarin or insulin (as long as they are not newly prescribed or stopped) if there has been no change in your medical condition; and a change from a brand name medication to a generic brand medication of the same dosage.

Other conditions, limitations and exclusions apply.

Please see the policy for details.