Health Insurance for International Students in Canada
Starting your studies in Canada and trying to figure out health insurance for international students? We know it can be a confusing part of your preparation, and this guide is here to provide the clear, simple answers you need to get this important task checked off your list.
Your International Student Health Insurance Questions
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Securing the right health plan is one of the most important steps before you begin your studies. Here are some patient, expert answers to common questions.
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Why do I need private health insurance?
Many provincial health plans do not cover international students, or have a long waiting period after you arrive. For this reason, most Canadian universities and colleges make having a private health insurance plan mandatory for all international students. It ensures you can access medical care without facing immense out-of-pocket costs.
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What kind of coverage should my plan include?
Your plan should act like a standard Canadian health plan. Look for coverage that includes essential services like:
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Visits to a doctor or walk-in clinic
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Hospital stays and emergency room care
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Prescription medications
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Mental health support and counseling
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Is this different from regular travel insurance in Canada?
Yes, it's very different. Standard travel insurance in Canada is for short-term tourists and usually only covers emergencies. A plan for students is a long-term policy designed to cover your day-to-day health needs for the entire school year, not just emergencies.
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How do I show proof of insurance to my school?
The process is simple. Once you purchase your plan, you will immediately receive official policy documents and a digital wallet card by email. You can easily submit these documents to your school's international student office to prove you have the required coverage.
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The Problem: A new student at a Toronto university felt unwell with a high fever and needed to see a doctor but was worried about the cost. The Solution: She used the insurance plan she purchased upon arrival, which covered the full cost of her visit to a local walk-in clinic and her subsequent prescription medication. The Result: She was able to get the care she needed quickly without any financial stress, allowing her to get better and focus on her classes.
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Find Your School's Required Plan Instantly
Feeling overwhelmed by the different requirements for each school? Our 'Student Plan Finder' tool makes it easy. Simply select your university or college to see the compliant insurance plans that meet your school's specific needs.