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.
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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)
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
- Click “View More” to see what conditions make you ineligible for coverage.
Apply up to age 44
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*
Hospital
- Up to 60 days for injury or illness; up to 30 days for psychiatric care
Health services
- Physician services – plus up to 5 follow-up visits
Dental services
- Accidental injury – up to $2,500
Transportation
- Emergency evacuation – up to $100,000
Cover many emergency medical costs
Hospital
- Up to 60 days for injury or illness; up to 30 days for psychiatric care
- Outpatient services
- Emergency department services
Health 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
Dental services
- Accidental injury – up to $2,500
- Pain relief – up to $100
- Wisdom tooth extraction – up to $250/tooth
Transportation
- 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 medical 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
What’s excluded?
- Pre-existing medical 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 medical condition means any medical condition that existed before your effective date.
A medical condition is considered stable when all of the following statements are true:
- There has not been any new treatment prescribed or recommended, or change(s) to existing treatment (including a stoppage in treatment), and
- There has not been any change in medication, or any recommendation or starting of a new prescription drug, and
- The medical condition has not become worse, and
- There has not been any new, more frequent or more severe symptoms, and
- There has been no hospitalization or referral to a specialist, and
- There have not been any tests, investigation or treatment recommended, but not yet complete, nor any outstanding test results, and
- There is no planned or pending treatment.
All of the above conditions must be met for a medical condition to be considered stable.
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.
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