Your school or province may not cover you when you land, and it often leaves out prescriptions, dental and vision. We compare student plans from Canadian insurers in one quote.
Keep your home health plan and add student cover for another province or another country. We compare student plans from Canadian insurers in one quote.
Why Choosing us:we are a reputable, experienced insurance provider, we provide flexible and affordable Travel Insurance Plan from multiple insurance companies like Manulife Insurance, GMS, TIC Insurance, SRMRM insurance, Travelance Insurance, TUGO, 21st Century, we provide services in Kitchener, Waterloo, Cambridge, Guelph, Stratford ,Hamilton, Brantford, Woodstock, London, Milton, Mississauga, Brampton, Toronto. Super Visa Insurance : Super Visa is a new option for parents and grandparents of Canadian citizens and permanent residents to visit their family in Canada. These individuals may be eligible to apply for the Parent and Grandparent Super Visa to visit their family in Canada for up to 2 years without the need to renew their status. Super Visa Insurance provides coverage for emergency medical and hospital care in Canada. This insurance is valid for 365 days.
Super visa Requirements : To obtain a Parent or Grandparent Super Visa for Canada, applicants must have valid Super Visa Insurance. With Super Visa applications They need to provide a proof that they have private medical insurance from a Canadian insurance company valid for a minimum of 1 year from a Canadian insurance company and that it: Here’s the things you need to know before you buy Super Visa Insurance Pre-existing Condition: A Pre-existing condition depends on your health condition means the critical illness, injury, symptom(s) that exists before and after effective date of insurance. Sometimes a healthy applicant can be deemed to have a pre-existing condition based on a past health problem or evidence of treatment for a particular condition. Deductible: Most plans have a variety of deductibles. The deductible is the amount of each claim that you will pay. A $0 deductible means the insurance company pays 100% of each eligible claim. A $1000 deductible means you will pay up to $1000 of each eligible claim and the insurance company will only pay amounts in excess of the $1000. Multiple Entry: Multiple entry coverage provides intermittent coverage that allows you to travel back and forth between Canada and your home country. Your coverage will be interrupted when you return to your home country, and then be automatically reinstated when you return to Canada. Plans that do not offer Multiple Entry have coverage that stops as soon as you return to your home country. Side Trip: Side trip coverage provides travel health insurance for any trips you take outside Canada during your stay, i.e. if you take vacations to the U.S. If you expect to spend some time outside of Canada during the term of your super visa, you should choose a plan that has side trip coverage. Refundable: The government requires that you purchase coverage for a full year. If you’re planning on staying less than a year a refundable plan will allow you to receive a refund of the unused portion of the annual/yearly premiums. These refunds come with conditions, so again it’s important that you read the policy.
Public plans start on their own dates. Anything before that is on you.
UHIP starts on the 10th of the month before your term, for example August 10 for a fall start. It covers medically necessary services up to $1,000,000 per policy year.
MSP starts after a wait: the rest of your arrival month plus two more months. Arrive in April and cover starts July 1.
RAMQ is only for full-time students from a country that has signed a social security agreement with Quebec. Processing takes up to 60 working days from a complete application.
You can apply with a 12-month study permit for an Alberta institution and 12 months or more living in Alberta. A permit of more than 6 and under 12 months can qualify with a school letter.
Examples for 2026–27. Rules and fees change each year.
Maximum daily amounts each province pays for hospital care outside Canada.
Operating rooms, intensive care and similar units. Up to $200 a day for other inpatient care and $50 for emergency outpatient care.
US hospital costs often exceed US$1,000 a day and can reach US$10,000 a day in intensive care.
Hospital outpatient clinic up to $50 a day, for sudden illness or accident only.
RAMQ example: a 3-day intensive care stay in Florida with a $25,000 hospital bill is reimbursed $300.
Amounts change each year.
Emergency medical cover from the day you land until your school or provincial plan starts.
Prescriptions, dental, vision and mental health visits on top of UHIP or a provincial plan.
Cover for a spouse and children who come with you.
Emergency medical cover when you travel outside Canada on a break.
Keep your home plan. Full-time students apply to keep cover, and Alberta says to keep your home coverage if you plan to return.
Ontario, BC and Quebec let full-time students keep cover while abroad if you follow their steps first.
Student plans need you to be covered by your provincial or territorial plan for the whole time away.
Provincial plans do not pay to bring you home. Student plans can.
Start with gap cover, then add a top-up if you need prescriptions, dental and vision. Your quote shows exact prices for your age, dates and cover amount.
Emergency medical cover from the day you land until your school or provincial plan starts.
Medical cover for your whole stay when your school or province does not provide it.
Prescriptions, dental, vision and mental health visits on top of UHIP or a provincial plan.
Cover for a spouse and children who come with you.
Cover for a single term, a language program or a course shorter than a year.
Emergency medical cover when you travel outside Canada on a break.
Limits are the most a plan can pay and differ by plan, so always read the policy wording.
Student plans can cover emergency and non-emergency medical.
Some plans pay up to this to bring you home, or cover an air ambulance or economy flight when pre-approved.
A 30-day supply, with limits up to $10,000 in some plans.
Some plans pay inpatient care up to $25,000 lifetime and outpatient $1,000 per 12 months, or psychiatric care up to $5,000.
From $2,500 to $5,000 depending on the plan.
Up to $4,500, or $5,000 airfare plus up to $150 a day, depending on the plan.
Up to $5,000 if you cannot attend school, in some plans.
Plans include a 24/7 assistance line, and some arrange direct billing with hospitals whenever possible.
Limits are the most a plan can pay and differ by plan, so always read the policy wording.
Student plans can cover emergency and non-emergency medical.
Some plans pay up to this to bring you home, or cover an air ambulance or economy flight when pre-approved.
A 30-day supply, with limits up to $10,000 in some plans.
From $15,000 to $25,000 depending on the plan.
Up to $5,000 per semester in some plans.
Student plans need your provincial or territorial plan active the whole time away.
Plans run for up to a year, with a full refund within 10 days if cover has not begun.
Plans include a 24/7 assistance line, and some arrange direct billing with hospitals whenever possible.
Student plans cover a pre-existing condition only if it stayed stable before cover starts. This is a guide, not a decision.
Minor mental or emotional disorders are excluded. Tell us about your health and we will show suitable plans.
Studying abroad, a condition needs to be stable for 3 months in some plans. Studying in another province, a condition you knew about before leaving may be excluded. Tell us about your health and we will show suitable plans.
Every policy has exclusions. These are the ones to look for before you buy.
Read the wording. The policy wording lists every limitation and exclusion. This page is a guide.
Ask us before you buyEvery policy has exclusions. These are the ones to look for before you buy.
Read the wording. The policy wording lists every limitation and exclusion. This page is a guide.
Ask us before you buyReal fees for the two most common public plans, so you know what to budget for.
for 12 months once provincial cover starts
Fees are examples for 2026–27 and change each year. Your quote shows exact prices for your age, cover amount and dates.
Maximum daily amounts each province pays for hospital care outside Canada. Real bills are often far higher.
at most, for 5 days in hospital abroad
Amounts change each year. Your quote shows exact prices for your age, cover amount and dates.
Tap your province to see what its public plan covers, then add insurance for the rest.
Plan for the gap
Tap your home province to see how to keep cover while you study away.
Plan for the gap
Phone the assistance line before emergency treatment, or you can pay 20% to 25% of the usual covered expenses.
The assistance team can guide you to care, and some plans arrange direct billing with hospitals whenever possible.
Keep medical reports, hospital bills and proof of payment.
Follow your policy wording for how and when to submit.
0 of 6 done
Yes, you need cover from the day you land, and the rules depend on your province and school. Ontario universities enrol most international students in UHIP. Alberta covers students with a 12-month permit, or 6 to 12 months with a school letter confirming 12 months in Alberta. Quebec students from countries without an agreement need private insurance. Check what your school requires.
Generally no. Most Ontario university students are covered by UHIP instead, a university plan modelled on the provincial plan.
It does not include prescriptions, dental or vision, outside Ontario it covers emergencies only, and outside Canada cover is minimal. Many students add a school or private plan.
Public and school cover often starts after you arrive. UHIP begins on the 10th of the month before your term. British Columbia has a wait of the rest of your arrival month plus two months. Gap cover pays for emergencies until your plan starts.
Yes, but dependants are not covered automatically. In Ontario you enrol them separately within 30 days of arriving, or pay a $500 late fee. Ask us whether your plan lets you add family.
It depends on the plan. Some plans cover a condition only if it has been stable for a set period before cover starts, for example 3 months or 90 days. Tell us about your health and we will show suitable plans.
Only a little. UHIP gives minimal cover outside Canada, so buy emergency medical cover before you travel.
0 of 6 done
Usually yes, as a full-time student. Alberta says to keep your home coverage if you plan to return, and Nova Scotia lists full-time students from other provinces as not eligible for its plan. Ontario asks for proof you lived in Ontario at least 5 of the 12 months before leaving and proof of full-time enrolment. Contact your plan before you go.
Often yes, with steps. Ontario: apply for an academic absence at ServiceOntario and meet the 153-day rule. BC: cover continues for the length of full-time studies, and you contact Health Insurance BC first. Quebec: students can be outside Quebec more than 183 days a year and keep cover, and you contact RAMQ before leaving.
Not much. Ontario pays up to $400 a day for operating rooms, intensive care and similar units, up to $200 a day for other inpatient care and up to $50 for emergency outpatient care. Quebec pays up to $100 a day. BC pays $75 a day. BC notes that US hospital costs often exceed US$1,000 a day.
No. Provinces say to buy private insurance before you leave. Provincial plans pay fixed daily amounts and do not cover things like repatriation to Quebec or a transfer to an Ontario hospital.
Student plans can include emergency and non-emergency medical up to $2,000,000, hospital care, doctors, a 30-day supply of prescriptions, paramedical care, help getting home and a 24/7 assistance line. Limits for each benefit differ by plan, so read the policy wording.
Yes. Student plans need you to be covered by your provincial or territorial plan for the whole time you are away.
Only if stable. Plans need the condition to be stable for a set period before cover starts, such as 3 months or 90 days. Stable means no new or changed treatment or medication, no worsening, no hospital stay or specialist referral and no pending tests or planned treatment. Tell us about your health and we will show suitable plans.
Tell us your province, school and start date. We will show what your school covers, what is missing, and the plans that fill the gap.
Tell us your home province, where you are studying and your dates. We will show what your plan covers, what is missing, and the plans that fill the gap.
