Student Insurance is specialized coverage designed to protect domestic and international students against unexpected medical emergencies, accidents, and financial losses while pursuing their education away from home.

Why it is important? Being a student is an exciting chapter, but unexpected health issues or accidents can happen when you least expect them, often resulting in heavy financial burdens.

• Standard provincial healthcare plans or home country coverages often have severe limitations or do not cover medical expenses incurred out-of-province or out-of-country.

• In Canada, international students do not automatically qualify for free provincial health care in many provinces during their initial months, making private student medical insurance a mandatory requirement.

• Medical treatments, emergency hospitalization, and prescription drugs in Canada are exceptionally expensive without proper insurance coverage.

• Having reliable student insurance gives both students and their families complete peace of mind, ensuring that education is never interrupted by unforeseen medical crises.

What does it cover / Key Features

• Emergency Medical Care: Covers doctor visits, hospital accommodation, ambulance services, and essential diagnostics.

• Prescription Medications: Covers prescribed drugs needed for treating sudden illnesses or injuries.

• Dental Accident Relief: Coverage for emergency dental treatment due to an accidental blow to the face or mouth.

• Paramedical Services: Coverage for licensed practitioners like physiotherapists, chiropractors, and osteopaths (up to plan limits).

Optional Benefits / Riders

• Family Coverage Extension: Allows spouse and dependent children to be added to the student’s policy for comprehensive family protection.

• Trip Interruption / Return Home: Covers unexpected travel expenses if a student has to return home due to a family medical emergency or bereavement.

• Accidental Death & Dismemberment (AD&D): Provides an additional lump-sum financial benefit in the event of severe accidental injury or loss of life.