International Student – Emergency Medical Insurance
Our Student Insurance has been tailored to your needs. While it includes important benefits like medical and dental treatment, it also has a number of benefits that go above and beyond emergency medical. So whether you need to get your wisdom teeth pulled, your eyes examined or tutoring services due to hospitalization, you’ll be protected!
KEY FEATURES
Sum insureds Options
- $10,000 CAD
- $25,000 CAD
- $50,000 CAD
- $100,000 CAD
- $200,000 CAD
- $300,000 CAD
Age limit None
Deductible Options
- $0 CAD – automatic
- $150 CAD
- $500 CAD
- $1,000 CAD
- $2,500 CAD
- $5,000 CAD
- $10,000 CAD
Waiting Period
- No waiting period on disease or illness if the policy is purchased before arrival in Canada
- 48-hour waiting period on disease or illness if the policy is purchased within 60 days after arrival in Canada
- 7-day waiting period on sickness if policy is purchased 61 days or more after arrival in Canada
Travel worldwide
Travel Worldwide
Travel worldwide is covered as long as the majority of the period of coverage is spent in Canada. The insured must have traveled to Canada first before they can be covered for side trips outside of Canada
Travel in Home Country
Visits to home country are permitted; the Policy will not terminate but expenses will not be covered
Key Benefits
Emergency medical treatment Up to the sum insured for:
- Emergency medical treatment for in-patient or out-patient care
- Services of physician and Private duty nursing
- X-rays and laboratory services
- Rental or purchase of essential medical appliances
Ambulance Up to the sum insured for ground, air or sea ambulance (including paramedics) or taxi in lieu
Follow-up visits Up to 5 follow-up visits within 14 days of the initial emergency medical treatment
Prescription drugs Up to a 30-day supply following an emergency during the trip
Professional medical services
- Physiotherapists, Chiropractors, Chiropodists, Osteopaths
- Podiatrists, Optometrists, Acupuncturists,
Fracture treatment Up to $1,000 for medical treatment related to fractures. This benefit includes:
- X-rays, Re-examination physician visits
- Casting and re-casting, Cast removal
Dental
• Up to $6,000 for dental accidents during the trip
- Up to $600 for any other dental emergencies
Key Benefits
Maternity Up to $6,000 for pre-natal care, delivery and/or complications thereof
Hospital allowance Up to $100 per day for incidental hospital charges
Emergency air transportation Up to the sum insured for medical air evacuation. If medically required, this benefit also includes:
- The cost of a qualified medical attendant
- An airline seat upgrade
Airfare to return home for treatment
Up to a one-way economy airfare to return to the country of permanent residence for immediate medical treatment* (*must be required within 10 days of returning home)
Return of travelling companion
When an insured traveller is returned to their country of permanent residence because of a medical emergency, this benefit includes:
A one-way economy airfare for their travelling companion to also return home* (* The travelling companion does not have to be insured)
Return of dependent children When an insured traveller is returned to their country of permanent residence because of a medical emergency, this benefit includes:
- Up to a one-way economy airfare for dependent children* to return home
- The cost of a qualified chaperone
* Children do not have to be insured. This applies to children up to age 21, if residing with their parents/guardians or up to age 25, if full-time students. No age limit applies for children with cognitive, developmental or physical disabilities
Key Benefits
Repatriation
- Up to the sum insured for preparation and return of the body
- Up to $6,000 for burial or cremation at the place of death
- Transportation costs and insurance coverage for one family member to identify the body, and up to $400 per day to a maximum of $2,000 for their meals and accommodation
Out-of-pocket expenses When a travelling companion is hospitalized on the date the insured traveller is scheduled to return home or when they are transferred to a different hospital in another city for emergency medical treatment, this benefit includes:
Up to $500 per day to a maximum of $5,000 for:
- Commercial accommodation
- Meals
- Telephone calls
- Internet charges
- Taxi fare
- Parking charges
- Bus fare
- Rental car services
Key Benefits
Family transportation When an insured traveller is hospitalized, this benefit includes:
- A round trip economy airfare or ground transportation costs for a family member to be at their bedside
- Up to $400 per day to a maximum of $2,000 for out-of-pocket expenses
Child care Up to $500 per day to a maximum of $5,000 for child care costs* when the insured traveller is confined to hospital or transferred to a different hospital in another city for emergency medical treatment (* Children must be insured and 18 years or under)
Return of vehicle When the insured traveller is not medically fit to drive home, this benefit includes:
Up to $2,500 for a commercial agency to return the vehicle or up to a one-way economy airfare plus gas, meals and accommodation for a family member or friend to pick up and return the vehicle
24-hour accident insurance Up to $25,000
Pre-existing Condition Coverage
59 years and under
• 120-day stability period before the effective date of the policy
60 to 69 years
• 180-day stability period before the effective date of the policy
70 years and over
• 365-day stability period before the effective date of the policy
RATES & DISCOUNTS
Family & friends plan
A family & friends rate is available for up to two travellers 59 years or under and up to 6 children.*
*Applies to children up to age 21, if residing with their parents/guardians or up to age 25, if full-time students. No age limit applies for children with cognitive, developmental or physical disabilities.
Optional Coverages
Sports & Activities
With TuGo, you can hike, zipline, bungee jump or even parasail over water and still be protected under our standard Visitors to Canada Emergency Medical Insurance.
Get coverage for extreme sports
And for you more daring types, all you need to take it to the extreme is to add our Sports & Activities Coverage to your Emergency Medical Insurance!
Sport/Activity covered
- Backcountry skiing/snowboarding
- BASE jumping
- Boxing
- Downhill freestyle skiing
- Snowboarding in organized competitions
- Downhill mountain biking
- Hang gliding/paragliding
- High risk snowmobiling
- Ice climbing
- Mixed martial arts
- Motorized speed contests
- Mountaineering
- Organized team sports* including: American and Canadian football / Ice hockey / Rugby
- Parachuting/skydiving/tandem skydiving
- Rock climbing (includes canyoneering, but doesn’t include indoor rock climbing)
- Scuba diving or free diving over 40 metres
- White water sports – Class VI
- Wingsuit flying
* Not required for travellers aged 20 years and under.
Sports & Activities
Exclusions
Whatever you’re into, be sure that it’s covered. If it’s not listed above, we’ll cover it under our standard Emergency Medical Insurance, unless it’s listed below as an excluded sport/activity:
- Barrel racing
- Bronc riding
- Bull riding
- Chariot racing
- Chuck wagon racing
- Harness racing
- Rodeo bareback riding
- Rodeo clowning
- Rodeo team roping
- Steer wrestling/chute dogging
- Trick riding
Participating, training or practicing in any areas that have been closed off to public access and/or can typically only be accessed by crossing a fenced, gated or roped-off area that has been marked as off limits according to recommendations of safety authorities in the area:
- Backcountry skiing/snowboarding
- Downhill freestyle skiing/snowboarding in organized competitions
- High risk snowmobiling
- Ice climbing
- Mountaineering
- Rock climbing
Optional Coverages
Accidental Death and Dismemberment
While Emergency Medical Insurance covers medical costs due to unexpected sickness or injuries while away, Accidental Death & Dismemberment Insurance is similar to a life insurance policy. It gives you added financial protection in case you’re in an accident causing death or dismemberment. In the event of death, a lump sum will be paid out to your beneficiary or estate.
- Air Flight/Common Carrier Accident – while riding as a fare-paying passenger on an airplane, helicopter, or common carrier (bus, train or boat)
- 24-Hour Accident – as a result of any other situation not listed above
Baggage Insurance
Available as an add-on optional coverage to a Single Trip plan or package, Baggage Insurance plan is ideal for Canadian residents travelling outside of their home provinces and visitors to Canada.
- Payment for lost, damaged, destroyed, or stolen baggage and personal effects, anywhere in the world, on water, land or in the air
- Coverage for stolen currency due to theft or robbery, up to the benefit limit
- Payment for personal necessities if your baggage is delayed, up to the benefit limit
Rental Car Protection
Available as an add-on optional coverage to a Single Trip plan or package, Rental Car coverage is perfect for Canadian residents and visitors to Canada. Protect your rental vehicle against damage or loss whether you’re travelling in the next province or abroad.
- Physical damage to a leased/rented automobile
- Loss of a leased/rented automobile
- Towing, salvage, fire department charges, custom duties, and reasonable loss of use.
Always Carry Your Wallet Card When You Travel!
You must notify the Assistance Centre within 24 hours for any medical emergency!
Don’t Wait! Protect Yourself & Your Family Today.