travel insurance for canada student visa

Student Health Insurance Across Canada

Health insurance policies vary from province to province. this canadavisa page gives you an overview of the various provincial policies..

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Table of Contents

• Chart of Health Insurance Policies in Canadian Provinces

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Students planning to study in Canada should research the availability of insurance in their intended province of study. International students in Canada are required to obtain health insurance for the duration of their stay in Canada. Certain provinces offer provincial health coverage to certain international students, either for free or for a premium. In these cases, international students are usually required to apply to the province.

Often, in cases where provincial health insurance is not available, students are required to purchase private insurance. This can often be done through their school in Canada. Institutions in provinces which do not offer provincial healthcare coverage to international students may require these individuals to subscribe to mandatory health plans, while other institutions may offer optional coverage plans.

Chart of Health Insurance Policies in Canadian Provinces 

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Health insurance for international students in Canada: Things to know

Canada is known for its world-class education and its publicly funded health care system. However, international students aren’t automatically eligible for free universal health care in every province and territory . 

Here’s what you need to know about health care coverage as an international student in Canada.

In this article:

An overview of health coverage in Canada

Why is it important for international students to get health insurance, provincial health coverage for international students in canada, other health care options for international students, getting add-on insurance.

As Canada’s universal health care is paid for through taxes , health services are largely free or for a fraction of the cost. The health care system itself is administered at the provincial level, and each province operates differently. There are 13 distinct provincial and territorial health insurance plans. With a provincial health insurance card, you don’t have to pay for most medical services. 

Each province or territory issues health insurance cards to its residents. And depending on where you live, there may be a wait time before you can apply for a health insurance card. For example, in British Columbia, there is a wait time of up to three months before you are eligible for a Medical Services Plan (MSP ) . However, if you live in Alberta, there is no wait time before applying for a health insurance card. 

Each province or territory covers the cost of medically necessary health services for residents enrolled in their health care plan. This includes visiting a physician or family doctor, medical testing (such as blood work or an x-ray), and hospital stays in a standard ward. Additional medical services available under universal health care will vary from province to province. For example, Manitoba offers seven chiropractic visits per year and Nova Scotia covers basic dental care for children aged 14 and under. 

All international students studying in Canada are required to have health insurance. Several Canadian provinces will provide health insurance to international students under their provincial plan, but not all do. While all provinces and territories in Canada will provide free emergency health services to individuals who don’t have a health card, these services are restricted. 

If you aren’t eligible for health care and don’t have health insurance, you will have to pay out-of-pocket for health-related expenses. And these services can be very expensive. While you may only pay $120 CAD to see a doctor at a walk-in clinic, you could have a bill of $1,000 CAD for an emergency room visit and $3,700 CAD for acute care in a standard ward. Depending on where you go for treatment, you may be expected to pay for costs upfront. 

It’s easy to see how a medical emergency could cost you thousands of dollars. No one plans to get sick. But should the worst happen, you want to be prepared. 

Unexpected healthcare costs can throw your budget off course. If you’re purchasing private health insurance, be sure to account for the monthly premium cost in your budget. You can also use Arrive’s Cost of Studying in Canada calculator to estimate your monthly expenses as a student.

Some provinces provide coverage to international students under their provincial health insurance plan, while other provinces and territories require you to register for private health insurance. 

Here is a breakdown of each province and its study requirements to qualify for universal health care:

If you are planning to study in Manitoba, Ontario, Quebec, Yukon, or are in your first year of studies in Nova Scotia, you should get health insurance coverage. The following options are available:

Student health insurance offered by public universities

The university or college you attend may have its own health coverage plan. Depending on the post-secondary institution, these plans can be mandatory or optional. The coverage provided will depend on the insurance company they use, but it should include visits to a doctor, hospital stay, diagnostic testing, ambulance, and emergency medical care. It may also include dental as well as eye and vision care. 

Contact your college or university or visit their website to see if they have a health insurance plan available for international students. 

If you are studying in Manitoba  

International students are required to have primary health coverage under the Manitoba International Student Health Plan (MISHP) . This plan will cover you for eligible medical services such as visits to the doctor and x-rays, as well as hospital stays. 

If you are studying in Ontario

International students studying are required to have mandatory health coverage under the University Health Insurance Program (UHIP) . UHIP will help cover the cost of medical services and hospital stays while you are in Canada. 

Private health insurance

If you aren’t eligible for provincial health coverage and your post-secondary institution doesn’t offer a health insurance plan, you can apply for private health insurance . A basic health insurance plan will cover you for services such as ambulance, prescription drugs, hospital stays, and depending on the program, a percentage of dental costs. 

Depending on the insurance provider and the package you choose, you may be required to pay a small part of your health expenses (deductible) out-of-pocket. Compare monthly premium costs, deductibles, and coverage while choosing an insurance package. The cost of private health insurance may vary based on pre-existing medical conditions and at-risk behaviours such as smoking. Be sure to include the cost of premiums and other emergency expenses in your monthly budget .

Want to learn more about planning your finances as an international student in Canada? Download our guide for tips that’ll help you prepare for financial success.

Even if you are covered by the province you are studying in, it’s a good idea to get add-on insurance to cover items not included under universal health care, to protect you before you arrive, or if you take a vacation during the summer break. 

Pre-arrival travel coverage

It’s likely you want to arrive in Canada and get settled before you begin your studies. As international students are required to have valid medical insurance while in Canada, it’s important to take out insurance before you arrive in Canada and at the beginning of your stay, especially if your province has a wait period for health insurance. 

Look for travel insurance that covers you for flight disruptions, trip cancellation, loss of luggage, and medical expenses. You should also check to see if your insurance policy covers you for COVID-19 related medical expenses. 

Travel insurance

If you are planning to travel outside of Canada, including a brief visit to the United States, consider buying travel health insurance before you leave. While a valid health card will cover you for basic services in another province (such as a visit to the doctor), you will not be covered in the U.S. Make sure you’re covered for emergency medical needs, flight delays or disruptions (if you are flying), or vehicle coverage (if you plan to drive). 

Finding insurance

The OmbudService for Life and Health Insurance (OLHI) has a tool to help you find health, life, and travel in Canada. 

You may also be able to find insurance through your credit card company or financial institution. For example, RBC offers insurance plans specifically tailored for international students and visitors to Canada.   

International students in Canada are usually required to get health insurance for the duration of their stay. Prior to your arrival in Canada, it is important to do your research to determine whether the province you will stay in offers provincial health coverage to international students, or if health insurance plans are available through your university. In provinces like Ontario, where provincial health coverage does not extend to international students, you may need to apply for private health insurance.

Things our lawyers want you to know

This article offers general information only and is not intended as legal, financial or other professional advice. A professional advisor should be consulted regarding your specific situation. While information presented is believed to be factual and current, its accuracy is not guaranteed and it should not be regarded as a complete analysis of the subjects discussed. All expressions of opinion reflect the judgment of the author(s) as of the date of publication and are subject to change. No endorsement of any third parties or their advice, opinions, information, products or services is expressly given or implied by Royal Bank of Canada or its affiliates.

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About Arrive

Arrive is operated by Royal Bank of Canada (RBC), the largest bank in Canada* and one of the most reputed banks in the world, employing 80,000 people worldwide. In collaboration with RBC, Arrive is dedicated to helping newcomers achieve their life, career, and financial goals in Canada.

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Disclaimer: This article offers general information only and is not intended as legal, financial or other professional advice. A professional advisor should be consulted regarding your specific situation. While information presented is believed to be factual and current, its accuracy is not guaranteed and it should not be regarded as a complete analysis of the subjects discussed. All expressions of opinion reflect the judgment of the author(s) as of the date of publication and are subject to change. No endorsement of any third parties or their advice, opinions, information, products or services is expressly given or implied by Royal Bank of Canada or its affiliates.

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International Student Health Insurance in Canada

While Canada is famous for its free Canadian health care, the majority of these services are only available to Canadian citizens and permanent residents. For this reason, all international students attending school in Canada must arrange for health insurance for the duration of their study program.

Canada’s health care system varies from province to province. Foreign nationals planning to study in the country should familiarize themselves with the Canadian health care offered by their province of study. Some provinces do offer health insurance for international students under provincial health plans others do not. Also, each province varies in the medical expenses and the pre-existing medical conditions covered. However, the majority of provinces require students to register for private health insurance plans.

In many provinces requiring international students to obtain health insurance, educational institutions offer them health insurance packages. In some cases, schools will require students to register for their health insurance packages, while other schools will allow students to opt out of the packages offered by the school if the students prove they acquired private health insurance from another source.

No matter the situation, all educational institutions will be familiar with the requirements for international students and if they are covered under the provincial health coverage offered.

Canadian Health Care

All Canadian citizens and permanent residents have reasonable access to medically necessary hospital services without needing to pay out-of-pocket. While universal healthcare is mandated at the federal level, healthcare programs are operated by individual provinces and territories, so exact details of coverage vary depending on where a person is living. The universal Canadian health care provided to all Canadians only covers medically necessary services, this is considered basic health care coverage.

Those in Canada without permanent resident or citizen status should expect to pay out-of-pocket for medical services unless they have private health insurance. Many immigration programs require temporary residents to buy one, for the duration of their stay in Canada.

In the event of a serious medical emergency, all provinces and territories will provide free services, even if a patient does not possess a government health card. However, there may be significant restrictions on the services that can be provided depending on a person’s immigration status.

Health Care Services for Students by Province

Public Health Insurance Available: Yes

International students in Alberta studying for at least six months are usually eligible for provincial health insurance coverage through the Alberta Health Care Insurance Plan (AHCIP).

Note that Alberta Health Care only covers basic health expenses, and does not cover dental care or prescription drugs. If an international student is ineligible to obtain coverage under AHCIP they must purchase a private plan through an insurance company or agent.

Learn how to  apply for AHCIP coverage .

British Columbia

If you are planning to study in British Columbia for at least six months, you are eligible for BC’s Medical Services Plan (MSP). You must apply for MSP  as soon as you arrive in BC . However, it takes about 3 months for MSP to process applications, and students may only apply once they arrive in Canada.

iMED provides you with basic health insurance during the three-month waiting period before you qualify for the BC  Medical Services Plan (MSP).

International students may purchase extended health coverage to supplement the basic coverage offered by MSP. Many schools offer extended health insurance packages to their students, and some institutions even require students to purchase these packages.

If a student is not eligible for MSP, then they must also purchase private insurance for health care coverage for the duration of their stay.

Learn how to apply for MSP coverage .

Public Health Insurance Available: No

International students in Manitoba are required to be covered under the Manitoba International Student Health Plan.

This plan will cover you for emergency medical services that may be costly for non-residents, like hospital stays, visits to the doctor, and x-rays.

Learn how to apply for the Manitoba International Student Health Plan .

New Brunswick

International students who meet the eligibility criteria can receive New Brunswick Medicare coverage. To be eligible, a student must be enrolled in full-time studies at a New Brunswick educational institution period for at least one full academic year.

New Brunswick Medicare provides only basic medical coverage, so international students are encouraged to explore extended health coverage through their educational institution or another private insurance provider.

Learn how to apply for New Brunswick Medicare coverage .

Newfoundland and Labrador

All registered international students are automatically enrolled in the Foreign Health Insurance plan.

International students are eligible for free basic health coverage through the province’s Medical Care Plan (MCP) provided that they are enrolled in full-time studies for at least 12 months.

International students who are not eligible for this program must purchase private health insurance for the duration of their stay in Canada. MCP provides only basic coverage, so students are encouraged to familiarize themselves with the benefits of extended health insurance plans.

Learn more about how to apply for MCP .

Northwest Territories

International students may apply for health insurance through Northwest Territories Health Care (NWTHC) provided they are studying in the program for a period of longer than 12 months.

NWTHC provides free basic health care for residents of the Northwest Territories. As this coverage is only basic, international students are encouraged to explore extended healthcare coverage through private providers.

Learn more about how to apply for Northwest Territories Health Care

Nova Scotia

International students in Nova Scotia must purchase health coverage since they are not eligible for the provincial health care program. Many of Nova Scotia’s education institutions offer healthcare plans, and some require that international students opt-in. While Nova Scotia does not offer public health insurance to international students, it is available to anyone who has legally resided in the province for at least 12 months.

The cost of this plan is approximately $650 for 12 months of coverage.

After this first year, students may become eligible to apply for a Nova Scotia Health Card, which grants access to free basic health coverage through Medical Services Insurance (MSI). After obtaining a provincial health card, international students may be eligible to opt out of any health care packages offered by their educational institution.

Learn more about how to apply for MSI .

Public Health Insurance Available: Not Applicable

Please note that as the territory of Nunavut does not host any designated learning institutions (DLIs) for international students, the issuance of international student health insurance is not applicable.

International students in Ontario are not eligible for the provincial Ontario Health Insurance Plan (OHIP) . For this reason, all higher education institutions in Ontario offer health insurance plans that are available to international students.

Public universities generally offer health insurance through the University Health Insurance Plan (UHIP) , while colleges and other private institutions may present options from other providers.

Health insurance plans offered to international students through educational institutions are not a free service. The costs are usually added to a student’s university fees.

Learn more about how to apply for UHIP .

Prince Edward Island

International students studying in Prince Edward Island (PEI) are eligible for public health insurance if they will be living in PEI for at least six months. However, a person can only apply for a PEI Health Card after residing in the province for at least three months. For this reason, international students must purchase health coverage either from their institution or a private health insurance provider for the beginning of their study period.

If an international student becomes eligible for a PEI Health Card, they may be able to opt out of their purchased health insurance.

Learn more about how to apply for a PEI Health Card .

Public Health Insurance Available: Sometimes

The province of Quebec has reciprocity agreements with ten different countries which sometimes enables residents of these countries to register for free basic health insurance through Quebec’s Régie de l’assurance maladie du Québec (RAMQ).

If an international student is from a country which is not covered by a reciprocity agreement, then the student will be automatically enrolled to purchase the group health insurance plan offered by their educational institution.

If, for any reason, a student is not eligible for RAMQ or their school’s group health insurance plan, they must purchase private health insurance for the duration of their time in Canada.

Learn more about applying for health insurance through RAMQ .

Saskatchewan

International students in Saskatchewan studying for at least six months may be eligible to register for free basic health coverage through the province by obtaining a Saskatchewan Health Card. Some Saskatchewan educational institutions will automatically enroll international students to purchase private health insurance plans.

A student may be able to opt out of such a plan if they can demonstrate they have health coverage from another source, either the Saskatchewan Health Card or a private insurance provider.

Learn more about how to apply for a Saskatchewan Health Card .

The territory of the Yukon is host to only one designated learning institution (DLI), Yukon College. This institution automatically enrolls all international students to purchase a mandatory group health insurance plan to provide coverage during studies.

Out-of-Province Medical Insurance

Provincial health care coverage, whether provided through a free government program or purchased through a private plan, may only cover health care related expenses which occur within that specific province. International students wishing to travel outside of their province of study, either to another province within Canada or to a country outside of Canada, should consult with their health insurance provider to determine if they will be covered during their travels. If an international student’s health insurance does not extend to periods of travel, they may purchase private health insurance in order to cover medical expenses incurred during travel.

Healthcare Options

There are a number of tools and resources available for international students wishing to explore private insurance options offered within Canada:

• Find Insurance : This tool, operated by the OmbudService for Life & Health Insurance, is a public service tool listing 99% of insurance programs offered by Canadian life and health insurance companies.
• OmbudService for Life & Health Insurance (OLHI) : Canada’s independent information service for consumers of Canadian life and health insurance. This organization also acts as an independent complaint resolution services for insurance consumers.

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Do International Students Need Health Insurance?

Updated on July 10, 2024

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If you’re coming to study in Canada from abroad, you may be wondering whether you need health insurance for Canada.

Canada has become a hub for international students who come to study at post-secondary institutions like the University of British Columbia, the University of Ottawa, and Dalhousie University.

As of 2023, there are more than 800,000 international students in Canada, with approximately 373,000 attending either college or university. This number has increased by 400% over the last 20 years, demonstrating just how popular Canada has become as an internationally-recognized destination for education.

Navigating the process of obtaining a student visa can be both exciting and intimidating. Before you leave your home country, you’ll need to ensure you have everything you need for your trip abroad. This includes a laptop or other device for school, luggage, and all identification and paperwork for your study permit .

It is also a good idea to review your options for health insurance . Too many international students make the mistake of traveling to Canada with just travel insurance. While buying travel insurance is a good idea, health insurance is a different type of insurance that will shield you from hefty medical expenses during your stay.

What’s the difference between health insurance and travel insurance?

Understanding health insurance for international students in Canada is essential to stay protected while you’re away from home. While travel insurance and health insurance may be similar, they each offer protection for a different part of your travel experience.

Travel insurance

Most of the time, travel insurance is purchased to minimize the impact of trip-related mishaps like cancelled flights or delayed luggage. With flight cancellations and trip interruptions becoming more common, this coverage can protect you from paying out-of-pocket when dealing with these inconveniences.

Most travel insurance comes with a variety of coverage options, and travellers can pick and choose which to include in their package. Medical coverage is a common benefit offered by many travel insurance providers, but this insurance typically only covers emergencies.

Health insurance

In contrast, health insurance is intended to help cover the medical expenses of people who do not yet qualify for Canadian provincial health coverage. Using your private health insurance for Canada allows international students to avoid paying out-of-pocket for standard medical expenses like doctor’s visits and prescription refills.

Both types of insurance are important for international students, but health insurance for international students in Canada is absolutely essential.

Want to explore your options for travel or health insurance? We’ve partnered with Cigna, which offers new international students in Canada the opportunity to explore all their coverage options. Click here to see which plan is right for you .

What happens if you travel to Canada without insurance?

One of Canada’s best-known assets is its publicly funded, single-payer healthcare system . Each province administers its own healthcare, and citizens and long-term residents receive a health card that allows them to access many provincial health services for no out-of-pocket cost.

However, in a number of provinces, international students are not eligible for healthcare , or will need to be living in Canada for a minimum period of time to access a provincial health card.

This means that if you were to be injured or ill while studying in Canada, you would need to pay for all your treatment and medications out-of-pocket. For the uninsured, these costs can be exorbitant.

How you can get travel insurance for Canada

You could be out hundreds of thousands of dollars if you require emergency medical care and you’re not insured. That’s why buying health insurance as an international student in Canada is so important. Many post-secondary schools in Canada require it.

Some schools even offer their own group plans, so make sure you do your research before you make a purchase. Depending on where you enrol, you may be obligated to buy into their group policy or carry a specific amount of coverage.

If your school doesn’t offer a group plan, you can do a free instant price comparison of popular insurance providers from our friends at BestQuote. Their price comparison tool makes it easy to evaluate which plan is right for you, so you can stay protected 24/7.

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Are you an International Student? Travel Insurance is Indispensable!

At the start of each new school year, students fill the classrooms of colleges and universities throughout Canada and around the world. The air is filled with excitement! As a student, you will be preoccupied by unfamiliar surroundings, new friends, and the challenges your studies will present. One thing that might have escaped your attention is what happens if you encounter a sudden and unforeseen accident or illness. When you decide to study abroad, it is important to research the various emergency medical insurance options available to you. As an international student, you may no longer receive the medical coverage provided by your home country and the medical bills associated with any sudden and unforeseen accident or illness could be financially crippling. Finding a comprehensive emergency medical insurance plan that fits your needs as a student, will help you to enjoy the experience of travel and study with better peace of mind. Travelance offers emergency medical insurance options for Canadians studying abroad, as well as plans for those who are coming to study in Canada.

For Canadian Students Studying Abroad

Travelance offers Canadians who are seeking education abroad comprehensive emergency medical insurance plans through our Travel Right Insurance Plans (TRIPs) product line. Of the four TRIPs policies available (Travel, Youth, Cruise and Seniors) the Travel and Youth plans are best suited for students studying out-of-country. Both plans discussed below offer comprehensive emergency medical coverage while studying abroad. Travel Right Insurance Plans – Travel Emergency Medical Insurance Plan : The Travel Emergency Medical Insurance Plan provides unlimited emergency medical coverage and is great for those who are studying in countries with high medical costs for extended periods of time.

• Unlimited Emergency Medical Coverage
• Unlimited Emergency Medical Evacuation/Return Home
• Up to $300 to relieve acute pain and suffering not related to an injury
• Up to $1,500 for continuing dental treatment completed within 90 days after you return to Canada
• 24/7 Travel Assistance
• Coverage period available up to 365 days, for those 49 years of age and under

Travel Right Insurance Plans – Youth Emergency Medical Insurance Plan : The Youth Emergency Medical Insurance Plan offers student’s protection at a lower cost option, with lower limits of coverage, when compared with the Travel Emergency Medical Insurance Plan.

• For those under the age of 30
• Emergency Medical up to $1,000,000
• Emergency Medical Evacuation/Return Home up to $1,000,000
• Accommodation and Meals up to $150
• Hospital Stay Allowance up to $500
• USA and non-USA rates available
• Coverage period available up to 365 days

For all TRIPs plans, applicants must have emergency medical insurance coverage under a Canadian Government or University Health Insurance Plan (GHIP/UHIP). *This is a brief description of coverage. Please see policy wording for benefits, definitions, exclusions, limitations, terms and conditions. Tip: Be sure to contact your Government Health Insurance Provider to confirm your coverage will remain in effect while you are studying abroad.

For International Students Coming to Canada

Canada is an attractive destination for international students because our education system is relatively affordable and is recognized for its high standards around the world. Since 2012, Canada has welcomed an increasing number of international students. As an international student, travel insurance should be the first thing you pack! Travelance offers two Visitors to Canada Emergency Medical Insurance plan options for students coming to Canada – the Essential and Premier plans. Both plans offer various plan limits and deductible options. Coverage is available for up to 18 months. Visitors to Canada Emergency Medical Insurance – Premier Plan :

• Upgraded and additional benefits when compared to the Essential Plan
• Accidental Death & Dismemberment up to the plan limit
• Prescription medications 30 days up to $1,000
• Injury $3,000
• Non-injury Pain $500
• Repatriation of remains $15,000
• Cremation/Burial at destination $5,000
• Follow up visits $3,000
• Benefits available for some pre-existing conditions (conditions apply)

Visitors to Canada Emergency Medical Insurance – Essential Plan :

• For those who are in good health and require a low cost plan
• Emergency medical up to the plan limit
• Prescription medications 30 days up to $500
• Injury $2,000
• Non-injury pain $300
• Repatriation of remains $5,000
• Cremation/Burial at destination $3,000
• No benefit available for any pre-existing conditions

Note: Some universities may offer coverage for medical expenses incurred while a student at their institution. Coverage is not always provided or, if it is, coverage may be limited. http://www.travelance.ca/youth-student-travel-insurance/To be eligible for coverage under the Visitors to Canada Emergency Medical Insurance Plan, you must not be eligible for any Government or University Health Insurance Plan (GHIP/UHIP). *This is a brief description of coverage. Please see policy wording for benefits, definitions, exclusions, limitations, terms and conditions. Are you an international student? Travel Insurance plans are available for you at Travelance, call 1-855-566-8555 or get a quote online, today! Travelance plans are underwritten by sister companies Old Republic Insurance Company of Canada and Reliable Life Insurance Company.

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Phone: 1-855-566-8555

Email: [email protected]

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Distributing Firm’s Name: Travelance Incorporated 126 Catharine St. N., Hamilton, ON L8R 1J4 Canada 1-855-566-8555 or [email protected] Client Number: 601870 Licensed Sectors: Insurance of Persons

International Student Insurance (ISI)

ISI is the leader in reliable and affordable international student insurance plans, with a 5-Star customer service rating.

Compare plans fitting your coverage needs

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International Student Insurance Plans

International Student Insurance is the premier destination online for international student health insurance and international student travel insurance plans. Our plans are not only comprehensive, but they are affordable for any budget, and are specially designed to provide health insurance for international students.

Comprehensive but affordable, international student health insurance plans are designed to meet visa requirements and provide key coverage that schools want, like mental health, sports and maternity. With multiple plans and levels offered, we have a plan for every international student budget and need.

For international travelers around the world, travel medical plans offer instant coverage up to $5 million for trips from 5 days to a year outside of your home country. With your choice of deductibles and plan levels, travel medical insurance is very flexible to meet the needs of travelers and students.

For expatriates, families and students that need long-term, more permanent coverage, we offer international major medical plans. Once purchased, you can renew these benefit-rich plans annually for as long as you remain eligible.

ISI offers a range of international student insurance options to meet school and country requirements, including for those on F (includes OPT), M, or J visas as well as for students studying abroad. Our commitment to outstanding customer service and support sets us apart and ensures that our clients always have the information they need to make informed decisions.

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Our coverage is worldwide, but visit our country guide if you are studying in or traveling to:

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Latest international student insurance posts.

In addition to our range of health insurance plans for international students, we also provide:

School Administrators

Learn more about our plan options and free school resources including videos, presentations, insurance best practice guide, and more.

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Would you like to offer international insurance and travel insurance plans to your clients around the world? Find out more about becoming an insurance producer.

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What type of insurance do I need for International Experience Canada?

For International Experience Canada , you must have health insurance for the entire time you are in Canada. The health insurance must cover

• medical care;
• hospitalization; and
• repatriation.

We recommend you buy this insurance only after you receive your port of entry (POE) letter. We can’t recommend specific insurance companies or plans, but you can search online for something that meets your needs.

You may be refused entry if you don’t have insurance. If your insurance policy is valid for less time than your expected stay in Canada, you may be issued a work permit that expires at the same time as your insurance.

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• Can I come to Canada before I receive my POE Letter?
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Student Travel Insurance

Why you need travel insurance for studying abroad.

Are you an international student coming to study in Canada?

Or are you a Canadian student planning to study out-of-province or out-of-country?

From a viral infection to a dental emergency, anything can happen. Getting sick or injured away from the comforts of home can be especially stressful, so you’ll want to know you’re taken care. That’s where student travel insurance comes in. At TuGo, we’re here to help. We’ll make sure you get the best possible medical care so you can concentrate on what matters most, like getting your assignments in on time and making new friends!

Student Insurance for International Students Studying in Canada

Medical and dental treatments are expensive in Canada and international students often can’t get provincial healthcare. That means if you experience an emergency, you’ll be responsible to pay for any medical care costs while you’re here.

Download brochure

Student Insurance for Canadian Students Studying Abroad

Did you know that the full benefits of your provincial medical health plan don’t travel with you? That means if you experience an emergency abroad, you could be stuck with costly medical bills. In fact, most schools require you to have a medical insurance plan before you begin your classes.

Homestay student well taken care of here in Canada

14-year-old homestay student Huan was playing basketball and injured his ankle. X-rays showed a hairline fracture, requiring Huan to use a walking boot for 4 weeks. A month later, he came down with a severe cough, requiring antibiotics. It took several clinic visits and 3 different antibiotics to make him well again.

Our travel insurance covered: $3,025.40

Student Insurance

Our Student Insurance has been tailored to your needs. So whether you need to get your wisdom teeth pulled, your eyes examined or tutoring services due to hospitalization, you’ll have coverage!

Learn more about Student Insurance

Get travel insurance online

To start a quote or purchase, select your province, then your TuGo insurance partner of choice.

Choose a travel insurance partner to get an online quote:

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Travel insurance

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Our travel insurance products

As one of the top insurance companies in Canada, Manulife offers a wide range of coverage options to best suit your travel protection needs. Whether you are snowbirds, seniors, students, or visitors to Canada, we’ve got you covered.

Travelling Canadians

Help provide Canadian residents with out-of-province or country coverage for unexpected travel expenses such as emergency medical and more.

Visitors to Canada

Get affordable coverage for medical expenses while visiting Canada. Meets the requirements for super visa.

Get help with medical expenses when studying away from home – either in Canada or abroad.

Travel insurance explained

Whether it’s to the beach, the city, or somewhere in between, travel gives us unforgettable escapes in beautiful places. But what happens when a trip doesn’t go as planned? A medical emergency or accident can have financial consequences that last far longer than your trip. That’s where travel insurance comes in. This short video explains:

• What’s included in travel insurance? What are the different types (travel medical insurance, trip cancellation and interruption insurance, visitors to Canada insurance and student travel insurance)?
• How insurance can reimburse you for unexpected expenses while you’re abroad or in another province or territory, from hospitalization, to transportation, and more!

Download a transcript (PDF)

It’s easy! To get the plan best suited to your needs, you can get a quote and apply online or by calling 1-877-268-3763. Have your travel dates, contact information, health information, and credit card or bank information on hand.

Having insurance while travelling is strongly recommended. Based on a survey conducted by the Conference Board of Canada, 82% of Canadians traveled with travel coverage in 2022. This speaks volumes and shows that most Canadians think having protection for unplanned emergencies while travelling is a necessity.

Travel coverage can protect you not only from emergency medical costs, but also from flight delays/cancellations, baggage loss/damage, travel accidents, and unforeseen events. Depending on your policy, you could get reimbursed for incurred costs if a covered event caused you to cancel or rebook your trip.

Ready to buy?

You can get a quote and purchase Manulife travel insurance online through Manulife CoverMe.

Need assistance?

Want to talk through your options.

Have questions and want to speak to a licensed insurance advisor? We can help with that!

Submit a travel claim

Visit our dedicated travel portal to start a claim. First-time on the site? Simply register, activate your account, and sign in

June 1, 2020

Due to travel restrictions, plans are only available with travel dates on or after

Due to travel restrictions, plans are only available with effective start dates on or after

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Student Travel

Your first study-abroad trip is an experience you'll never forget, but student travel has its challenges. You've got to stay healthy, be safe and manage your money well. Here's how.

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Terms, conditions, and exclusions apply. Please see your plan for full details. Benefits/Coverage may vary by state, and sublimits may apply.

Insurance benefits underwritten by BCS Insurance Company (OH, Administrative Office: 2 Mid America Plaza, Suite 200, Oakbrook Terrace, IL 60181), rated “A” (Excellent) by A.M. Best Co., under BCS Form No. 52.201 series or 52.401 series, or Jefferson Insurance Company (NY, Administrative Office: 9950 Mayland Drive, Richmond, VA 23233), rated “A+” (Superior) by A.M. Best Co., under Jefferson Form No. 101-C series or 101-P series, depending on your state of residence and plan chosen. A+ (Superior) and A (Excellent) are the 2nd and 3rd highest, respectively, of A.M. Best's 13 Financial Strength Ratings. Plans only available to U.S. residents and may not be available in all jurisdictions. Allianz Global Assistance and Allianz Travel Insurance are marks of AGA Service Company dba Allianz Global Assistance or its affiliates. Allianz Travel Insurance products are distributed by Allianz Global Assistance, the licensed producer and administrator of these plans and an affiliate of Jefferson Insurance Company. The insured shall not receive any special benefit or advantage due to the affiliation between AGA Service Company and Jefferson Insurance Company. Plans include insurance benefits and assistance services. Any Non-Insurance Assistance services purchased are provided through AGA Service Company. Except as expressly provided under your plan, you are responsible for charges you incur from third parties. Contact AGA Service Company at  800-284-8300 or 9950 Mayland Drive, Richmond, VA 23233 or [email protected] .

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Get personalized advice

Travel insurance, why buy travel insurance from ia financial group.

Whether you’re heading for the tropics or hopping across the border to go shopping, make sure you’re covered. And don’t forget about visitors from outside the country who aren’t protected during their stay in Canada.

Make sure you’re covered in case of medical emergencies away from home!

Did you know?

Without travel insurance, you'll have to cover costs such as:

• Hospitalization (up to US$10,000 per day in the US!)
• Treatments for illness or injury (provincial plans cover less than 10%)
• Flight cancellation or rebooking fees if you’re unable to fly

iA Travel Insurance meets yours needs!

Insurance coverage in case of a medical emergency, maximum coverage of 5 million dollars.

If you need a hospital or clinic while away, our comprehensive coverage offers you the best care and treatment available. Provincial health plans cover less than 10% of travel medical bills; without sufficient travel insurance, you could be out-of-pocket for emergency health care, emergency dental services, ambulance fees, emergency air transportation, prescriptions, X-rays, return of your travel companion and more.

Coverage for a pre‑existing condition

Whether you’re taking medication for your hypertension or have a lung condition like asthma, coverage is available for your pre-existing condition. Coverage is based on your age, the length of your trip and the stability of your medical condition.

Our simple Medical Health Questionnaire for travellers aged 60+ determines your rate, not your ability to get coverage.

Trip cancellation & interruption coverage

Even the best plans can fall apart; it’s not just medical emergencies that keep people from travelling. Missed flights, travel delays, job loss, the death of a family member or a natural disaster can all ruin travel plans unexpectedly. Trip Cancellation & Trip Interruption covers you if travel plans have to be cancelled before departure, or if they’re disrupted after the trip has begun.

There are two kinds of luggage in the world: carry-on and lost. When you have multiple stopovers in different cities, or if you’re travelling outside of Canada, be sure you’re protected against the loss, damage, destruction or theft of your baggage.

Personalize your coverage

• Accidental death and dismemberment insurance
• Rental vehicle insurance
• Optional coverage for contact, adventure and extreme sports
• Visitor to Canada vacation package
• Non-medical package
• All-inclusive holiday package
• Insurance for international students (in Canada) and Canadian students (abroad)

Travel insurance simplified

Fast, efficient service.

• 24/7 emergency assistance
• Customer service offered in multiple languages
• TuGo MD , our claims partner , ensures you get the best care possible

Simple enrolment

• Travellers from age 0 to 59: No medical questions
• Travellers age 60+: Simplified medical questionnaire
• Competitive coverage for pre-existing medical conditions

Protections adapted to your needs

Travel insurance for visitors to Canada

Tuan: Business executive, 42 years old Mei: Teacher, 40 years old

A couple from China is visiting relatives in Ontario. They will be staying in Canada for one month.

Tuan and Mei are passionate about travel and discovering different cultures. They’ll make the most of their stay to explore the area.

The solution

Visitors to Canada Policy

Travel insurance for Canadian residents travelling abroad

William: 30 years old Anna: 29 years old Emma: 6 years old Elliott: 4 years old

A family of four living in Quebec City is planning a trip to Mexico.

William and Anna are planning their very first week-long family trip to an all-inclusive resort in Mexico. They want to buy travel insurance to ensure the safety and wellbeing of the entire family during their stay abroad.

Traveller Policy

International student visiting Canada

Aman: 20 years old

A student from India comes to Canada to study at the University of British Columbia from September to May.

Aman is an international student with a passion for learning, who’s keen to immerse himself in a new culture and experience a different way of life. He decided to study abroad at the University of British Columbia for one year.

International Students Policy

*Premium subject to change. Rates may also vary depending on age, the duration or destination of the trip and the answers provided in the medical questionnaire.

Frequently asked questions

Who is travel insurance for.

• Visitors to Canada
• Newcomers waiting for Canadian citizenship
• International students
• Canadians returning home after living abroad

What are the benefits of iA Financial Group travel insurance?

• Reliable, 24/7 emergency assistance anywhere in the world
• Multilingual customer service
• Simple underwriting criteria
• Does not penalize travellers who reach out after receiving treatment
• Pays the hospital directly when possible and coordinates billing with the traveller’s provincial insurance or group insurance plan

Is there an age limit for travel insurance?

No. There is no age limit.

Why should I buy travel insurance?

Travel insurance is key if you want to protect yourself and the money you’ve invested in your trip.

Whether you’re a visitor to Canada or a Canadian exploring your home country or adventuring abroad, make sure you’re covered in case of a medical emergency or travel delay, for example.

What are the maximum emergency medical insurance amounts available for visitors to Canada?

You can choose one of the following amounts of coverage:

For Canadians travelling abroad, the limit is $10M.

What does travel insurance cover in the event of illness or accident? How does it work?

Travel insurance covers the cost of prescription drugs, doctor’s appointments, healthcare services and ambulance transportation, regardless of whether you go to a clinic or hospital.

If you’re hospitalized, all you have to do is call us. We’ll coordinate with the hospital to ensure that you receive the best care possible.

Do you need travel insurance if you have a Canadian super visa?

Yes. To qualify for a super visa open_in_new , you must have emergency medical insurance. The Government of Canada requires that you have a minimum of $100,000 in coverage for at least one year.

If I’m a foreign visitor or newcomer to Canada, do I need travel insurance?

Yes, you should get visitors to Canada insurance, since you won’t be entitled to Canadian public health insurance if you get sick or get in an accident.

Should I get travel insurance before I leave for Canada or when I arrive?

It’s a good idea to purchase visitors to Canada insurance before you leave.

You can buy it once you arrive in Canada, but you should know that there’s a waiting period for illnesses and symptoms.

Depending on where you purchase your insurance, the waiting period can vary between 48 hours and 7 days after the policy’s effective date.

Do I need travel insurance if I’m a Canadian visiting another province?

Yes, it’s a good idea, since it can save you unexpected costs.

Even if you live in Canada, your government health insurance plan may not cover the entire cost of all out-of-province medical care.

What’s more, some services are not covered at all by provincial health insurance plans.

Travel insurance advice

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International students travelling outside Canada and then re-entering

If you have a valid study permit.

You may be able to re-enter Canada as an international student if you have any of the following:

• a valid study permit
• approval for a study permit or study permit extension

You must also meet all the following criteria:

• You have a valid passport or travel document.
• You’re attending a designated learning institution (DLI) .
• You have either a valid visitor visa or an electronic travel authorization (eTA), depending on which document you need .
• You meet all the other requirements for entering Canada .

If your visitor visa or eTA has expired

You may be allowed to re-enter Canada if you

• have only been to the United States or St-Pierre and Miquelon and
• return to Canada by the end of your authorized period of stay

You must show the border services officer that you meet all the requirements listed above before we’ll let you re-enter.

If your study permit extension hasn’t been approved yet

You won’t be able to study until we approve your study permit extension.

If you applied to extend your study permit before it expired, you may be allowed to enter Canada if you meet all other requirements.

Basic entry requirements

To enter you Canada, you must

• have a valid travel document, such as a passport
• be in good health
• have no criminal or immigration-related convictions
• convince an immigration officer that you have ties—such as a job, home, financial assets or family—that will take you back to your home country
• convince an immigration officer that you will leave Canada at the end of your visit, and
• have enough money for your stay (the amount of money you will need can vary—t depends on things such as how long you will stay, and whether you will stay in a hotel, or with friends or relatives)
• Your exam is valid for 12 months from the day you get it.
• It must be valid the day you enter Canada.
• This applies even if your letter of introduction is still valid.
• prove that you’ll leave Canada at the end of your stay

Inadmissibility

Some people are inadmissible—they are not allowed to come to Canada. Several things can make you inadmissible, including involvement in criminal activity, in human rights violations or in organized crime.

You can also be inadmissible for security, health or financial reasons. Find out more about inadmissibility .

Period of authorized stay

The period of stay given on your initial entry into Canada.

In this case, your period of stay would end when your study permit expires.

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