This plan is designed to provide coverage to full-time students or post-doctoral research students under age 45 who are either: Canadian residents studying outside their province or territory, or outside of Canada International students coming to study in Canada.
If you're coming from outside Canada to study here, it's important to protect yourself with medical insurance. While many medical costs are covered for Canadians, that protection does not extend to international students.
If you’re a Canadian resident studying abroad, your government health insurance plan may only provide limited coverage, which may require you to cover expensive medical costs out of your own pocket.
If you’re a Canadian resident preparing to study in Canada, but outside of your home province, your government health insurance plan may only provide limited coverage if you fall sick or get injured. You may be on the hook for expensive medical costs.
We will not pay any expenses or benefits relating directly or indirectly to:
a) A pre-existing medical condition that was not stable in the three (3) months before your effective date.
b) Any pre-existing medical condition of a covered dependant or spouse that was not stable in the three (3) months before the date the dependant or spouse became covered under this policy.
You are eligible for coverage under this policy if:
- You are older than 30 days and under the age of 45; and
- You are either a full-time student with proof of admission or enrolment in a recognized institute of learning; or a full-time student completing post-doctoral research in a recognized institute of learning; and
- You are purchasing coverage as: – an inbound student, when your home country is not Canada and you are temporarily residing in Canada; or – an outbound student, when your home country is Canada, and you are covered under a Canadian provincial/territorial government health insurance plan while you are temporarily residing outside Canada; or – a national student when your home country is Canada and you are covered under a Canadian provincial/territorial government health. You can insure your spouse and dependants under your policy. It’s your responsibility to ensure continued coverage, where applicable, under the provincial/territorial government health insurance plan of the province/territory where you permanently reside.
You are NOT eligible for coverage if you answer “Yes” to ANY of the following questions:
- Have you been diagnosed with a terminal illness with less than two years to live?
- Have you used home oxygen at any time during the 12 months prior to the date of application?
- Has a physician advised you against travel?
- Do you require kidney dialysis?