International Student Insurance in Canada in 2024

Pursuing higher education in Canada as an international student can be a very daunting endeavor and comes with the responsibility of ensuring adequate health coverage during your stay.  Having an insurance plan as an international student plays a crucial role in providing financial protection and access to quality healthcare services.

Studying in a foreign country involves adapting to a new environment, and unexpected health issues can arise. International student insurance is designed to offer financial protection in case of medical emergencies, covering expenses related to hospitalization, prescription medications, doctor visits, and other essential healthcare services.

Why is Health Insurance Important for International Students in Canada?

Healthcare in Canada can be expensive for those not covered by the provincial health plans. Medical visits, hospital stays, and emergency care can quickly add up to thousands of dollars. Therefore, having adequate health insurance is essential to protect international students from high medical costs and ensure access to necessary healthcare services during their stay in Canada.

Most Canadian provinces and territories require international students to have health insurance either through the public health insurance system (in certain provinces) or through private insurance providers.

Public Health Insurance vs. Private Health Insurance

International students in Canada typically have two options for health coverage: public health insurance (if available in the province of study) or private health insurance.

Public Health Insurance

Some Canadian provinces offer public health insurance to international students, although eligibility, waiting periods, and coverage vary by province. Public health insurance generally covers basic medical services such as doctor visits, hospital stays, and emergency care. However, additional services like dental care, vision care, or prescription medications may not be covered under public health insurance.

Here’s an overview of provinces that offer public health insurance for international students:

• British Columbia (BC): International students are eligible for the Medical Services Plan (MSP), but there is a three-month waiting period after arriving in BC. During this period, students must purchase private insurance. MSP costs approximately $75 per month.
• Alberta: International students in Alberta with a valid study permit for more than 12 months are eligible for the Alberta Health Care Insurance Plan (AHCIP), which is free and covers most healthcare services.
• Saskatchewan: International students are covered under the Saskatchewan Health Plan at no cost if they have a valid study permit for more than six months. This plan covers basic medical services.
• Manitoba: Since 2018, international students in Manitoba are required to purchase private health insurance. The province no longer offers public healthcare coverage to international students.
• Ontario: Ontario does not provide public health insurance to international students. Instead, many students rely on the University Health Insurance Plan (UHIP), which is offered through universities in the province.

Private Health Insurance

In provinces where public health insurance is unavailable or where students are ineligible, international students are required to purchase private health insurance. Many Canadian universities and colleges offer group health insurance plans to international students, or students can purchase individual plans from private insurance companies.

Private health insurance typically offers more comprehensive coverage than public health insurance and can include:

• Doctor visits and hospital stays
• Prescription medications
• Emergency medical services
• Dental and vision care
• Mental health services
• Coverage for pre-existing conditions
• Emergency medical evacuation

Eligibility Criteria and Enrollment Process

• Mandatory Provincial Health Plans: Some provinces, such as British Columbia, require international students to enroll in the provincial health plan immediately upon arrival. It’s essential to check the specific requirements of the province in which you will be studying.
• Private Insurance Providers: To access comprehensive coverage, international students can choose from various private insurance providers. Eligibility criteria may vary, but generally, students must be enrolled in a recognized educational institution and possess a valid study permit.
• Additionally, the coverage period for international student insurance plans typically corresponds to the academic term or year. Students must be aware of this coverage period and ensure that their insurance remains valid throughout their stay in Canada. They must also endeavor to renew their insurance before it expires, especially for those pursuing longer-term programs.

Costs and Coverage Limits

The cost of international student insurance in Canada varies based on factors such as the provider, the level of coverage, and the duration of the plan. It’s important to carefully review the coverage limits and ensure that they align with potential healthcare expenses.

Some insurance plans may have deductibles, co-payments, or limitations on certain services, so students should thoroughly understand the terms and conditions of their chosen plan.

Tips for Choosing the Right Insurance Provider

• Research: Compare insurance plans from different providers, considering factors such as coverage breadth, premium costs, customer reviews, and the reputation of the insurance company.
• Network of Providers: Check if the insurance provider has a network of healthcare providers and facilities in the region where you’ll be studying, ensuring easy access to medical services.
• Customer Support: Assess the responsiveness and support offered by the insurance provider’s customer service team, especially in case of emergencies.

Tips for Utilizing International Student Insurance

• Carry Your Insurance Card: Always keep a physical or digital copy of your insurance card with you. It contains essential information for accessing healthcare services.
• Know the Claims Process: Familiarize yourself with the claims process of your insurance provider to ensure a smooth experience when seeking reimbursement for eligible expenses.
• Seek Pre-Approval: For non-emergency medical services, seek pre-approval from your insurance provider to avoid complications with coverage.
• Stay Informed: Regularly check for updates or changes to your insurance plan to stay informed about any adjustments in coverage or policy terms.

Top 10 international student insurance providers in Canada

1. GuardMe: GuardMe is a well-known international student insurance provider with a range of plans tailored to meet the needs of students studying in Canada. They offer comprehensive coverage, including health and wellness services.
2. StudyInsured by Ingle International: StudyInsured provides insurance plans specifically designed for international students in Canada. Their coverage includes medical care, emergency services, and mental health support.
3. Manulife: Manulife offers international student insurance plans with a focus on health and travel coverage. Their plans cater to the unique needs of international students, providing protection during their stay in Canada.
4. Sun Life Financial: Sun Life Financial is a prominent insurance provider offering a variety of insurance plans, including those designed for international students. Their plans often include coverage for medical emergencies, prescription drugs, and dental care.
5. Green Shield Canada: Green Shield Canada provides health and dental insurance plans, including options for international students. Their plans cover a range of healthcare services, ensuring comprehensive protection during the student’s stay in Canada.
6. RSA Travel Insurance: RSA offers travel insurance plans, including coverage for international students studying in Canada. Their plans may include emergency medical coverage, trip interruption coverage, and coverage for lost or stolen belongings.
7. Allianz Global Assistance: Allianz Global Assistance is a global insurance provider that offers travel insurance plans suitable for international students. Their plans may cover emergency medical expenses, trip cancellations, and baggage loss.
8. Blue Cross Canada: Blue Cross Canada provides various insurance plans, including coverage for international students. Their plans often include health and travel insurance components, ensuring comprehensive protection for students studying in Canada.
9. Ontario Blue Cross: Ontario Blue Cross offers insurance plans designed for international students in Ontario. Their coverage includes emergency medical care, prescription drugs, and other essential healthcare services.
10. Desjardins Insurance: Desjardins Insurance provides various insurance plans, and they offer options for international students in Canada. Their plans may include coverage for health, travel, and other related expenses.

Before selecting an insurance provider, it’s essential for international students to carefully review the terms and conditions of each plan, considering factors such as coverage limits, deductibles, and exclusions. Additionally, students should check with their educational institutions, as some institutions may have preferred or mandatory insurance providers for international students.