International Students Medical Insurance

The following programs are available for international students coming to Ontario Canada. We also proivde medical insurance for Canadian students traveling abroad to study.

Cost of Healthcare in Ontario, Canada

Obtaining International student medical insurance is one of the most important tasks parents of international students must do when preparing their son or daughter to study abroad. Low cost International student medical insurance is not always the best, nor is it a good idea to buy insurance in your homeland before you come to Ontario, Canada. This can result in unexpected medical expenses not being fully covered.

The cost of hospitalization in Ontario, Canada for just one night can be as high as $3,000 for the room itself, plus doctor’s fees and other medical expenses. So buying student medical insurance that saves you $100 or $200 can end up costing much more if it does not provide adequate coverage. 

International Student Insurance

We offer comprehensive international student medical insurance at affordable rates. We have simplified the process of enrolment by arranging for 2 direct purchase methods:

          By telephone

          By internet

Choose from 2 well-known insurers - TIC Travel Insurance or  Blue Cross Travel Insurance.   See product information below.

TIC Travel Insurance Coordinators Ltd.

 Offer international student medical insurance at affordable rates and you can apply for insurance by telephone.  One of the most comprehensive plans available. Insurance begins as soon as the application and premium have been received – no waiting period!

Highlights of Insurance

Plan Maximum - $500,000

Hospital – Semi-private hospital accommodation and reasonable and customary services and supplies necessary during confinement as a resident in-patient

Physicians and Medical – Necessary medical, surgical and anesthetic services provided by a licensed physician, surgeon, anesthetist or registered graduate nurse

Prescription Drugs – Charges for prescription drugs prescribed by a physician or dentist will be reimbursed at 80% of the eligible expenses incurred for out-patient use, and at 100% when the insured is hospitalized.

Extended Health Care – Up to a maximum of $10,000 for private duty nursing, x-rays, laboratory services, local ambulance, necessary medical appliances and services

Maternity Benefit  (For Family Coverage Plan) – For families paying family premium: covers pregnancy after the effective date of the policy, 80% of eligible expenses incurred by the insured mother will be paid for pregnancy childbirth, miscarriage, or complications related thereto. Newborns may be covered as dependents after 15 days following written approval by TIC.

Professional Services – Expenses for the following services will be reimbursed in accordance with the applicable provincial government Schedule of Benefits: osteopath, chiropodist, podiatrist, physiotherapist (following surgery when it is the result of sickness or injury occurring during the policy period), chiropractor (up to $200 for any one sickness or injury)

Dental Accident – Treatment, replacement or x-rays of your natural teeth which are damaged as the result of direct accidental blow to the mouth, up to $1,000

Impacted Wisdom Teeth – Up to $100 per tooth for extraction of impacted wisdom teeth when medically necessary and performed in a hospital

Dental Emergencies - Treatment for the immediate relief of acute dental pain caused by other than a blow to the face, up to $500

Eye Examination – One visit to a licensed optometrist during a 12 consecutive month period to examine any abnormality in the visual system

Return Home - One-way transportation to country of origin if a covered sickness or injury necessitates the immediate return of the insured, or if continuing medical care is required; up to $3,000.

Return of Deceased - In the event of death, upto $10,000 to return the insured to their country of origin, or up to $4,000 for cremation or burial at the place of death.

Diagnostic, X-ray and Laboratory Services – diagnostic, x-ray, and laboratory services performed or authorized in writing by a physician.