International Student Medical Insurance
Each year, Canadian universities and colleges warmly welcome a diverse group of international students from around the world, offering them opportunities for academic growth and cultural exchange. Canada is widely known for its exceptional public healthcare system, which is provided free of charge. However, it’s important to note that these free medical services and facilities are only available to Canadian citizens and permanent residents. Therefore, as an international student, accessing these healthcare services can be quite challenging without having international student medical insurance in Canada. Emergency medical services for any illness, including dental issues, can be significantly expensive for international students, who already face a heavy financial burden due to education and lodging expenses. These challenges make it essential to secure international student medical insurance while in Canada.
With international student medical insurance Canada, you can prevent the financial burden of having to pay for medical expenses on your own. At Danforth Insurance we bring the best student medical insurance in Canada by allowing our customers to compare international student medical insurance cost from various major insurance providers at one place. In addition to this we allow our clients to choose from several coverage and deductible options. A small coverage amount and high deductibles can help you to bring down the international student medical insurance cost according to your budget requirements.
Why Choose Us?
- Enjoy full or part-time studies without any concerns about your healthcare
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Emergency medical coverage available for student and their families
- Maternity benefits (conditions apply)
- We provide quotes from multiple insurance providers in one place, allowing you to choose the best option for your health and financial situation.
- We do price match or may even provide a better deal – call us at 647-350-0332
- Medically covered even during school breaks
- Monthly payment option available too with $100,000 or more coverage for one year (365 days)
- Comprehensive coverage for stable pre-existing medical conditions such as high blood pressure, heart conditions, diabetes, cholesterol issues, lung conditions, and more. Take advantage of this exclusive feature to ensure your peace of mind.
- We offer student’s family plan too to cover whole family at reduced insurance premiums.
- Plan covers you when travelling outside Canada as long as it is not your home country.
International Students Insurance Plans
21st Century Plans Benefits
| Benefits | Basic | Standard | Enhanced |
|---|---|---|---|
| Medical services | Medical services received from physician in or out of hospital (conditions apply*) | Medical services received from physician in or out of hospital (conditions apply*) | Medical services received from physician in or out of hospital (conditions apply*) |
| Basic diagnostic services | Lab tests required by physicians to determine a medical condition | Lab tests required by physicians to determine a medical condition | Lab tests required by physicians to determine a medical condition |
| Advanced diagnostic services | cardiac catheterization, angioplasty, and/or cardiovascular surgery including any associated test(s) or charges, magnetic resonance imaging (MRI), computerized axial tomography (CAT) scans, sonograms, ultrasounds or biopsies if approved by our assistance centre * | cardiac catheterization, angioplasty, and/or cardiovascular surgery including any associated test(s) or charges, magnetic resonance imaging (MRI), computerized axial tomography (CAT) scans, sonograms, ultrasounds or biopsies if approved by our assistance centre * | cardiac catheterization, angioplasty, and/or cardiovascular surgery including any associated test(s) or charges, magnetic resonance imaging (MRI), computerized axial tomography (CAT) scans, sonograms, ultrasounds or biopsies if approved by our assistance centre * |
| Follow-up physician visits | One follow-up per event of sickness or injury | No limit | No limit |
| Medical care | Private registered nursing/ Licensed home care, rental of hospital bed, wheelchair or use of other medical appliances up to $5,000 following emergency insured services prescribed by physician. (conditions apply *) | Private registered nursing/ Licensed home care, rental of hospital bed, wheelchair or use of other medical appliances up to $5,000 following emergency insured services prescribed by physician. (conditions apply *) | Private registered nursing/ Licensed home care, rental of hospital bed, wheelchair or use of other medical appliances up to $5,000 following emergency insured services prescribed by physician. (conditions apply *) |
| Prescribed medication | prescription medications up to $500 and not exceeding a 30-day supply. Medication that can be purchased over the counter is not covered. | prescription medications up to $500 and not exceeding a 30-day supply. Medication that can be purchased over the counter is not covered. | prescription medications up to $500 and not exceeding a 30-day supply. Medication that can be purchased over the counter is not covered. |
| Pre-existing medical coverage | Not covered | Not covered If conditions existed in 180 days prior to effective date | Covered if conditions existed and stable in 180 days prior to effective date. |
| Hospital stay | semi-private room when available and intensive care unit when medically necessary | semi-private room when available and intensive care unit when medically necessary | semi-private room when available and intensive care unit when medically necessary |
| Emergency ground transport | Licensed local ambulance service | Licensed local ambulance service | Licensed local ambulance service |
| Emergency air transport | if our medical advisor and your physician recommends then we will pay for one or more of the following:
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if our medical advisor and your physician recommends then we will pay for one or more of the following:
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if our medical advisor and your physician recommends then we will pay for one or more of the following:
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| Dental Accident coverage | Not available | Up to $4,000 coverage if dental treatment is necessitated as a result of accidental blow to your face. | Up to $4,000 coverage if dental treatment is necessitated as a result of accidental blow to your face. |
| Dental pain relief | Not available | Up to $300 acute dental pain for which you have not previously received treatment or advice | Up to $300 acute dental pain for which you have not previously received treatment or advice |
| Accidental Death and Dismemberment | Not available | Up to $25,000 coverage | Up to $25,000 coverage |
| Healthcare practioners | accupuncturist, chiropractor, physiotherapist | accupuncturist, chiropodist, chiropractor, osteopath, physiotherapist, podiatrist | accupuncturist, chiropodist, chiropractor, osteopath, physiotherapist, podiatrist |
| Side Trip Coverage | provides coverage in any other country (excluding your county of origin) you are travelling before your arrival to Canada or departure from Canada (conditions apply *) | provides coverage in any other country (excluding your county of origin) you are travelling before your arrival to Canada or departure from Canada (conditions apply *) | provides coverage in any other country (excluding your county of origin) you are travelling before your arrival to Canada or departure from Canada (conditions apply *) |
| 90 day provision | Not available | Reinstatement of coverage for a second claim related to the same condition | Reinstatement of coverage for a second claim related to the same condition |
* At Danforth Insurance, we offer comprehensive insurance plans that come with exclusive benefits during your stay in Canada. However, it is important to note that every insurance plan has its limitations, exclusions, conditions, and other terms that may impact the reimbursement you are entitled to. To gain a deeper understanding of our policies, please take a moment to review our detailed policy wordings:
Insure Canada Plans Benefits
| Benefits | Standard | Enhanced | Premium |
|---|---|---|---|
| Policy Limit | $2,000,000.00 | $2,000,000.00 | $2,000,000.00 |
| Hospital Accomodation | Up to semi private room | Up to semi private room | Up to semi private room |
| Medical services | Included (no limit) | Included (no limit) | Included (no limit) |
| Diagnostic services | Included (no limit) | Included (no limit) | Included (no limit) |
| Prescription drugs | Up to 30 days per prescription | Up to 30 days per prescription | Up to 60 days per prescription |
| Private duty nurse | Not available | Included (no limit) | Included (no limit) |
| Emergency dental | $2,500 due to accident & 600 for pain | $4,000 due to accident & 600 for pain | $4,000 due to accident & 600 for pain |
| Medical appliances | Not available | Included (no limit) | Included (no limit) |
| Emergency transportation | Included (no limit) | Included (no limit) | Included (no limit) |
| Maternity | Not available | Up to $10,000 (conditions apply) | Up to $15,000 (conditions apply) |
| Physical examination | $150 for one exam per year | $150 for one exam per year | $150 for one exam per year |
| Eye examination | $100 for one exam per year | $100 for one exam per year | $100 for one exam per year |
| Psychiatric/Psychological | $500 per incident | $1,000 per incident | $1,000 per incident |
| Trauma counselling | Not available | 6 counselling sessions | 6 counselling sessions |
| Corrective devices | Not available | $1,000 | $1,000 |
| Sexual health consultation | Not available | Not available | $100 per year |
| Tutorial services | Not available | Not available | $20 per hour, maximum $500 |
| Repartriation of remains | $5,000 | $10,000 | $10,000 |
| Accidental death & dismemberment | $10,000 | $25,000 | $25,000 |
| Common carrier | $25,000 | $100,000 | $100,000 |
* At Danforth Insurance, we offer comprehensive insurance plans that come with exclusive benefits during your stay in Canada. However, it is important to note that every insurance plan has its limitations, exclusions, conditions, and other terms that may impact the reimbursement you are entitled to. To gain a deeper understanding of our policies, please take a moment to review our detailed policy wordings: Policy document
Tugo Plan Benefits
| Coverage up to $2 million including emergency medical treatment for COVID-19 sickness | 5 follow-up visits within 14 days post-emergency |
| Mental health emergency coverage | One annual doctor’s visit and one general eye exam |
| Ground, air or sea ambulance | Other professional medical services |
| Emergency dental services | Maternity |
| Private duty nursing | Accidental Death & Dismemberment accident coverage up to:
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| Fracture treatment | Prescription medications |
* At Danforth Insurance, we offer comprehensive insurance plans that come with exclusive benefits during your stay in Canada. However, it is important to note that every insurance plan has its limitations, exclusions, conditions, and other terms that may impact the reimbursement you are entitled to. To gain a deeper understanding of our policies, please take a moment to review our detailed policy wordings