Get The Best Insurance Quote From Canadian L.I.C
Call 1 844-542-4678 to speak to our advisors.
Total Coverage Quotes*
CAD $1,512,000,000
Compare & get lowest quotes
From Canada's top insurers
WELCOME TO Canadian L.I.C. INC
International Student Insurance
International Student Insurance ensures students have the right protection for their health, travel, and medical needs throughout their studies in Canada. These International Student Insurance Plans support academic goals while covering everything from doctor visits to emergency care. Whether you need International Student Health Insurance, Travel Insurance for international students, or a full medical package, there’s a policy that fits. Connect with our experienced International Student Insurance brokers. You can buy International Student Insurance online with ease, guided by our trusted International Student Insurance Advisors who understand what coverage truly matters for you.
Get Covered. Study Confidently
Fast Quotes. Easy Signup. Complete Protection For Your Studies In CanadaCompare The Various Types Of International Student Insurance Plans
International Student Insurance includes a range of options tailored to your study needs. You can choose from International Student Health Insurance, International Student Medical Insurance Plans, or International Student Travel Insurance. Health insurance for international students covers doctor visits, hospitalization, and prescriptions. Travel Insurance for international students adds protection for trip delays, baggage loss, and emergency evacuation.
Each International Student Insurance Policy meets visa requirements while providing reliable, affordable coverage. You can compare International Student Insurance Quotes online or speak with our trusted International Student Insurance Advisors to find the right fit.
Whether you need basic protection or comprehensive student insurance plans, there are flexible options available. Many International Student Insurance Policies also include mental health care, pre-existing condition coverage, and direct billing features.
Find Your Perfect Plan Today
Compare International Student Insurance QuotesWhat Does International Student Insurance Cover?
International students recognize that International Student Insurance provides comprehensive Medical Health Insurance Coverage. Here is the list of all that it covers:
- Hospital Stays: Includes expenses for inpatient care such as room, board, and nursing services.
- Prescription Medication: Reimbursement for prescribed drugs and medicines.
- Emergency Medical Services: Covers emergency treatments and ambulance services.
- Mental Health Support: Access to mental health professionals and therapies.
- Dental Care: Often available as an optional add-on, covering routine and emergency dental procedures.
- Vision Care: Some plans may include coverage for eye exams and prescription eyewear.
- Medical Evacuation and Repatriation: Assistance and coverage in case of a need to return home for medical reasons or after passing away.
- Maternity and Pregnancy Care: Coverage may include prenatal, delivery, and postnatal care.
What Does International Student Insurance Not Cover?
Many International Student Insurance Policies often have exclusions, which denote that certain services and conditions are not covered. Here is the list of common exclusions:
- Pre-existing Conditions: Coverage for conditions known before the insurance becomes effective is often limited or excluded.
- Elective Treatments: Procedures deemed non-essential, such as cosmetic surgery, are generally not covered.
- Routine Check-ups: Regular health examinations and preventative care might not be included.
- Dental and Vision Care: Unless specified, dental treatments and vision care are usually not covered.
- Travel Vaccinations: Immunizations for travel purposes might not be included.
- Psychological or Psychiatric Services: Coverage for mental health services can be limited and may require additional insurance.
- Alternative Therapies: Treatments such as acupuncture or chiropractic services are often excluded unless specified otherwise.
Focus On Your Studies—We’ll Handle the Rest
Choose An International Student Insurance Plan That Covers
More Than Just The Basics
How Does International Student Insurance Work?
Most insurance plans for students are full coverage insurance plans. So, in return, international students have convenient access to healthcare services without feeling the financial pull. Here’s how it typically works:
- Mandatory Requirement: Nearly every Educational Institution requires international students to be enrolled in a health insurance plan before commencing their studies.
- Commencement of Coverage: The coverage normally starts as soon as the student arrives in Canada or commences his/her Study Program.
- University versus Private Plans: Many universities have their plans, while others may require one to seek private insurance.
- Full Coverage: Most plans include doctor visits, hospitalization, and emergency care. Some will also include dental and vision care.
- Costs and Premiums: Students are required to pay monthly or annual premiums according to the plan's conditions. Their costs are different according to coverage level and the duration of study.
- Claim Process: Normally, students pay for services upfront and then file a claim in order to be reimbursed, or providers directly bill the insurer.
- Renewal/extension: All insurance plans are formatted to follow the academic year. The policy will be renewed or extended when the initial period comes to an end.
What Is The Eligibility For International Student Insurance In Canada?
Eligibility for International Student Insurance varies by provider, but there are common criteria that most students need to meet:
- Student Status: Must be enrolled in a recognized educational institution in Canada.
- Valid Study Permit: Must possess a valid study permit issued by the Canadian government.
- Course Duration: Typically, the educational program must be at least six months long to qualify for insurance.
- Age Limit: Most plans have an age limit, usually between 18 and 40 years.
- Continuous Coverage: Students are often required to maintain continuous coverage throughout their study period.
- Health Status: Some plans might require a medical examination or health declaration.
Why Is International Student Insurance Important?
International Student Insurance is critical in Canada for several reasons:
- Healthcare Accessibility: Ensuring that students, in equal measure, enjoy access to medical care with equal ease, without deterrents from prohibitive costs.
- Visa requirements: It is a requirement of many student visas that proof of adequate health insurance be provided before it can be granted.
- Financial Security: It saves the students from some highly expensive medical care that could be quite burdensome.
- Peace of mind: The student is able to focus on his/her studies without having to worry about health care coverage.
- Regulatory Compliance: Many educational institutions require students to have insurance coverage to verify enrollment.
Make The Smart Choice Today
Choose The Right International Student InsuranceWhich International Student Insurance Is The Best?
Choosing the best International Student Insurance depends on personal needs and situations. Here’s a list of top options:
- Sun Life Financial: This insurer has become known for customizing plans to suit the needs of every client, even providing dental and vision care coverage.
- Manulife: Offers flexible insurance products and requires online claims processing, which is quite easy to accomplish.
- Allianz Care: It has been a favourite of many for its huge global network and multi-language support.
What International Student Insurance Should I Get?
Choosing the right insurance policy is vital for your health and peace of mind, especially if you are going to study overseas. Here is a guide on how to select the best:
- University Health Plans: Most Canadian institutions have mandatory health insurance plans for international students. Check whether the insurance plan in your institution includes coverage for hospital care, pharmaceuticals, and mental health care attention.
- Private Health Insurance: If your institution does not have a health plan, or if you simply want additional coverage, consider private health insurance. Private health insurance companies usually offer insurance coverage specifically designed for the international student community.
- Provincial Health Coverage: Other provinces, such as British Columbia, Alberta, and Saskatchewan, have provincial health coverage that international students may apply for, and quite often, it is comprehensive and less expensive.
- Travel Insurance: In case you want to attend short courses or travel before/after your studies, explore travel insurance that includes at least a certain level of medical coverage; it is less comprehensive but can protect against emergence during a short stay.
- Enhanced Dental and Vision Plans: Supplement your basic insurance policy with dental and vision care, as these are usually not part of the regular health plans but can be added by special packages or attached to the private health insurance schemes.
FAQs
International Student Insurance provides health, medical, and travel coverage for students studying in Canada. It includes protection for emergencies, prescriptions, and doctor visits. Plans meet visa and school requirements while supporting student well-being. Coverage can be purchased online through trusted providers or advisors.
International Student Insurance covers hospital stays, prescriptions, emergency care, mental health, and more. Optional add-ons may include dental, vision, maternity, and medical evacuation benefits.
Most plans exclude pre-existing conditions, elective treatments, routine check-ups, and travel vaccinations. Dental, vision, and alternative therapies may also be excluded unless specified.
Coverage begins when your studies or arrival in Canada start. Plans may come from universities or private providers. Students pay premiums and either claim reimbursements or use direct billing.
You must be enrolled in a recognized Canadian institution with a valid study permit. Most plans require a course length of 6+ months and fall within a set age range.
It helps meet visa and school requirements, covers unexpected medical costs, and allows students to focus on their education without worrying about healthcare expenses.
Top options include Sun Life for customizable coverage, Manulife for flexibility and easy claims, and Allianz Care for global reach and multilingual support.
Check if your school provides coverage. Otherwise, consider private health insurance, provincial plans (where eligible), Travel Insurance for short stays, or enhanced dental/vision add-ons.
Yes, the majority of provinces within Canada require international students to hold some form of health insurance. Some universities provide compulsory insurance plans, while others require students to arrange their own coverage.
Some provinces, like British Columbia, Alberta, and Saskatchewan, allow international students to have provincial health care coverage, which will be more pocket-friendly compared with private insurance.
Consider certain elements, such as coverage extent, premium costs, deductible amounts, and whether it includes dental and vision or mental health services. Compare the institutional plans to the private plans in order to find the best alternative.
There, the differences lie in their plans’ coverage of pre-existing conditions: some offer it after a waiting period; others may exclude them totally. This is something to consider when buying.
The premium amount is very different depending on the extent of the coverage, age, health condition, and provider. The basic ones can start at a few hundred per year, while comprehensive ones will cost more.
You would normally have to complete a claim form accompanied by an original receipt, together with documents relating to your medical treatment, and send them to your insurance provider. Some providers allow direct billing from hospitals or clinics.
Some provinces like British Columbia, Alberta, and Saskatchewan offer limited public health insurance for international students. However, eligibility varies based on study duration and program type. Students in other provinces must rely on International Student Insurance Plans. It’s important to compare International Student Insurance Quotes online if provincial coverage isn’t available.
Private International Student Insurance Policies often provide faster claims, broader travel coverage, and more flexible benefits. However, they may not cover all services that provincial health plans offer. Comparing International Student Medical Insurance plans helps students choose the right balance of cost and coverage. Use trusted International Student Insurance brokers or advisors for guidance.
Coverage varies widely—some provinces include hospital and doctor visits, while others offer no public coverage at all. That’s why many students rely on International Student Health Insurance or Travel Insurance for international students. Insurance plans for international students fill in the gaps left by provincial rules. Reviewing International Student Insurance Quotes helps make the best choice.
To meet visa rules, choose an International Student Insurance Plan that covers emergency medical care, hospitalization, and prescription drugs. Check policy terms carefully or consult International Student Insurance Advisors to confirm coverage limits. Many students buy International Student Insurance online from recognized providers. Make sure the policy aligns with your study permit conditions.
If your province doesn’t offer public insurance, you must purchase an International Student Insurance Policy before arrival. Choose a reliable provider offering student insurance plans tailored for study in Canada. Compare International Student Insurance Quotes online to find affordable, comprehensive options. It’s best to consult licensed International Student Insurance brokers for proper guidance.
To buy International Student Insurance in Canada, start by comparing International Student Insurance Quotes online. Choose from medical, travel, or health-focused International Student Insurance Plans. You can buy International Student Insurance online quickly and securely. Licensed International Student Insurance Advisors and brokers are available to help you select the right coverage.
