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International Student Medical Insurance

Canada is widely recognized for its exceptional free Canadian health care system. However, it’s important to note that these services are exclusively accessible to Canadian citizens and permanent residents. As a result, it is crucial for international students studying in Canada to make appropriate arrangements for their health insurance. Before arriving in Canada, it is highly recommended by the Canadian government that international students acquire travel medical insurance. Despite the fact that Canada has a top-notch healthcare system, medical and dental costs can be quite expensive. With travel insurance, you can prevent the financial burden of having to pay for medical expenses on your own.

Why Choose Us?

  • Enjoy full or part-time studies without any concerns about your healthcare
  • 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.

21st Century Plans Benefits

Benefits Basic Standard Enhanced
Medical services Medical card received from physician in or out of hospital (conditions apply*) Medical card received from physician in or out of hospital (conditions apply*) Medical card 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:
  • air ambulance
  • cost effective economy class fare for return to your home country
  • return air fare for medical attendant if necessary
  • stretcher fare on a commercial flight if necessary
  • (conditions apply *)
if our medical advisor and your physician recommends then we will pay for one or more of the following:
  • air ambulance
  • cost effective economy class fare for return to your home country
  • return air fare for medical attendant if necessary
  • stretcher fare on a commercial flight if necessary
  • (conditions apply *)
if our medical advisor and your physician recommends then we will pay for one or more of the following:
  • air ambulance
  • cost effective economy class fare for return to your home country
  • return air fare for medical attendant if necessary
  • stretcher fare on a commercial flight if necessary
  • (conditions apply *)
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:
  • Air flight/common carrier: $10,000
  • 24-hour Accident: $10,000
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