International Student Insurance
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International Student Insurance is a health and medical insurance plan designed specifically for students coming to Canada (or other countries) to pursue education.
It provides coverage for emergency medical expenses, doctor visits, hospitalization, and prescription drugs during the student’s stay — often at a lower cost than regular visitor insurance.
Why International Student Insurance is Important
1
Mandatory Requirement
Many schools, colleges, and universities in Canada require proof of medical insurance before registration.
2
Protection from High Medical Costs
Healthcare costs in Canada are expensive for non-residents and new students who are not yet eligible for provincial health coverage.
3
Peace of Mind for Families
Parents and students have assurance that medical care will be covered in case of accidents, illness, or emergencies.
4
Focus on Studies
Students can focus on academics without financial stress from unexpected healthcare expenses.
5
Covers Everyday Healthcare Needs
Some plans also include coverage for mental health counseling, prescription drugs, paramedical services, and even maternity (depending on plan).
6
Compliance with Study Permit Rules
Having valid health insurance is often a condition of maintaining student status in Canada.
Key Features of International Student Insurance
Coverage Amount
Typically, up to $2,000,000 for emergency medical expenses.
Hospital & Medical Services
Covers hospitalization, surgery, diagnostic tests, emergency room visits, and specialist consultations.
Prescription Drugs
Usually covered up to a specified limit.
Paramedical Services
May include physiotherapy, chiropractic care, or mental health counseling.
Emergency Dental Care
Coverage for dental accidents or sudden tooth pain.
Repatriation & Return of Remains
Covers transportation to country in case of death.
Maternity & Newborn Care
Available on certain plans (must be purchased before conception).
Pre-existing Condition Coverage
Some plans cover stable pre-existing medical conditions.
Mental Health Coverage
Counseling and psychiatric care often included (important for student wellness).
Flexibility
Can be purchased per semester, annually, or for the full duration of studies.
Direct Billing
Many providers work directly with hospitals and clinics to minimize out-of-pocket expenses.
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