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Student or Work Visa 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. Ensuring proper coverage safeguards their well-being and provides peace of mind during their educational journey. Similar situation is for work visa holders who also need to main appropriate health insurance during their stay on work visa if they are not entitled for government provided health care insurance. At Danforth insurance we provide separate basic, standard and enhanced insurance plans while keeping students and work visa holders financial and health situations in mind. Please consider all these three options to ensure health safety by keeping less burden on your pocket.

Why Choose Us?

  • $15,000-$200,000 worth of medical coverage for a whole year. Buy a $100,000 coverage plan and receive an additional $50,000 coverage for accidents.
  • Enjoy the convenience of our monthly payment plan option!
  • Experience exclusive discounts for friends and family members.
  • COVID-19 coverage available within Canada subject to the regular terms and conditions of the policy.

  • Our Enhanced plan offers 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.
  • Choose from a wide range of deductibles, starting as low as $0 and going up to $10,000. The flexibility to select your deductible can lead to significant savings on your premiums.
  • Get a partial premium refund for plan changes, only if no claims have been processed.

You are NOT eligible for student or work visa medical insurance coverage if:
 

  • you are traveling against the advice of a physician;

  • you have been diagnosed with a terminal illness with less than two (2) years to live;

  • you have been diagnosed with or received treatment within the last two (2) years for pancreatic, lung, brain, or liver cancer; or any type of cancer that has spread from one part or organ of the body to another (metastatic cancer);

  • you have had or are waiting for an organ or bone marrow transplant (excluding corneal transplant);

  • you have a kidney condition requiring dialysis;

  • you have used home oxygen during the 12 months prior to the date of application;

  • you reside in a nursing home, other long term care facility or rehabilitation centre; and/or

  • You are age 86 or older (unless buying the Basic Plan)

Pre-existing medical conditions are the sickness, disease, injury exists for which you are taking medication or prescribed medication or treatment by physician in 180 days before your effective date on insurance policy. Some examples of pre-existing medical conditions are BP, Heart, Diabetes, Lung, Cholesterol, etc.

I have pre-existing medical conditions. Am I covered by student or work visa medical insurance?

  • Age 55 or less: if you are 55 or less then pre-existing medical conditions are covered by our enhanced insurance policy provided these conditions are stable in the last 180 days. Stable pre-existing condition means that no new symptoms or change in in symptoms have appeared, existing symptoms have not become worse and your physician have not recommended any new medication or new treatment (more details can be found in the policy wordings). 

  • Age between 56 and 85: You are required to complete a medical declaration form to verify your eligibility to cover pre-existing medical conditions if you are buying Enhanced insurance policy. Our online application process will ask you to complete medical declaration form. 

Medical Declaration Form

We provide Basic, Standard and Enhanced plans for visitor to Canada medical insurance. Each of these plans provide several coverage and deductable options. 

Coverage: 

  • We provide several coverage options for students: $15,000, to $200,000. Our customers get premium rates for each of these coverage options from basic, standard and enhanced plans when they get free quote from our website. 
  • Monthly payment plan is available if you are buying medical insurance with $100,000 or more coverage for one year (365 days).

Deductables:

  • Deductible is the amount paid out of your pocket before an insurance provider will pay any expense. 

  • We provide different deductable options and the corresponding reduction in insurance cost when you purchase insurance with us. 

  • Deductables ranging from $0 to $10,000 are available. 

  • Deductable $2,500 is applicable only to Standard & Enhanced Coverage options $25,000, $50,000 and $100,000 for the age up to 85.

Premium Refund or Policy Cancellation:

  • 100% premium refund or policy cancellation is available in case of visitor visa refusal. Request for premium refund will only be considered when proof of visa refusal will be provided.

  • In case of change of your stay in Canada you can request for partial refunds on premium. Partial refund request is considered ONLY if you provide proof of return to your country of origin and there NO claim paid or denied.

  • If you are applying for partial refund and a claim has been paid or denied then you may apply for have such claim(s) withdrawn. The amount of claim(s) paid will be deducted from the refund plus a file handling $300 fee will be charged.

Premium refund request: 

  • Your written request to cancel policy MUST be received within 60 days following the date you return to your country of origin.

  • All refunds are subject to approval by 21st Century Travel Insurance Limited.

  • $25 policy administration fee will be charged for any refund request.

  • Refund request form

Insurance 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: