International Students to Canada - Plan Overview
Ideal for international students to Canada who:
- Are registered full-time in a Canadian school, college, university or accredited educational institution
- Are temporary residents of Canada without any government health care coverage
- Have completed their studies and remain in Canada up to a year afterwards to work in the field of their studies
- Would like coverage under their policy for their spouse and dependents living with them
Features and benefits
- Affordable all-in-one hospital, medical and extended health care solution
- Coverage for pre-existing conditions is available under the Standard + 90 days stable pre-ex Option
- Costs incurred outside of Canada are covered provided the majority of the period of coverage is spent in Canada
- Trips to the United States are limited to 30 days per period of coverage
- Sum Insured - $5,000,000 (Five Million)
- Emergency Hospital & Medical - up to sum insured
- Chiropractor, Osteopath, Podiatrist/Chiropodist, Physiotherapist, Acupuncturist - up to $600 per practitioner/12 month period
- Drugs or Medications – up to 30 day supply
- Maternity Benefit - up to $1,000 per 12 month period
- Eye Examination - 1 per 12 month period
- Physical Examination - 1 per 12 month period up to $250
- Emergency Transportation/Return Home – up to sum insured
- Transportation of Relative or Friend - up to $5,000
- Dental Accident - up to $5,000
- Dental Emergency - up to $600
- Wisdom Teeth - up to $100 per tooth
- Return of Deceased - up to $15,000
- Accidental Death & Dismemberment - up to $15,000
- Tutorial Services - $20/hour up to $500
For full details and definitions, please refer to the policy booklet.
To be eligible for coverage you must:a) be a student; or
b) be a dependent child or the spouse of an eligible insured student; and
c) as of the effective date, be less than 60 years of age; and
d) not be insured or eligible for benefits under a Canadian government health insurance plan; and
e) be in good health at the time you purchase your policy and on the effective date, and know of no reason to seek treatment or medical consultation during the period of coverage.
- Standard Option:
Benefits are not payable for costs incurred due to any sickness or injury or medical condition, whether or not diagnosed by a physician:
- for which you exhibited signs or symptoms; or
- for which you required or received medical consultation or treatment; and
- which existed prior to the effective date of your coverage.
- Standard + 90 Days Stable Pre-ex Option:
- Benefits are not payable for costs incurred due to or resulting from any sickness or injury or medical condition or related condition that was not stable at any time during the 90 days immediately before the effective date of your coverage
Coverage for losses resulting from any sickness will begin 48 hours after the effective date if you purchase your policy:
a) after the expiry date of existing AGA administered policy; or
b) after you exit your country of origin.
Any sickness that manifests itself during the 48-hour waiting period is not covered even if related expenses are incurred after the 48-hour waiting period.
A full refund will be provided for policies which are returned within 10 days of purchase, as described in the section titled Right To Examine Policy.
Refunds are payable when:
The student fails to meet visa eligibility requirements.
You return to your country of origin prior to the expiry date, without intending to return to Canada, 30 days or more before the expiry date.
You become insured under a Canadian provincial or territorial health/medical plan.
When submitting your premium refund request, please include:
a fully completed and signed Refund Request Form; and
a copy of your confirmation of coverage; and
confirmation of your early departure such as boarding pass or itinerary, or any other written proof of your early return to your country of origin; and
any other documentation to support your refund request.
Why buy International Students to Canada travel insurance?
While studying in Canada, government health care plans might not be available to you. And we know that health care costs can be expensive if you’re not covered under a Canadian government health insurance plan. An International Students to Canada Travel insurance policy can help you stay protected and safeguard your finances
If an unexpected medical emergency should happen, know that you’re protected with International Students to Canada travel Medical insurance.