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, 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 when purchased prior to arrival!   (Otherwise a 48-hour waiting period applies to sickness benefits only.)

Highlights of Insurance

Coverage Amount: $2 MILLION

Choose either STANDARD Plan or ENHANCED Plan

The Standard Plan EXCLUDES any pre-existing medical condition.

The Enhanced Plan has a 90-day stability clause for pre-existing conditions PLUS a maternity benefit of up to $10,000 PLUS Psychologist and Psychiatric Care Benefit (Inpatient: $10,000; Outpatient: $1,000).

All other benefits are the same for both plans:

Accidental Death & Dismemberment - $15,000

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 (1 month supply).

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  – covers pregnancy after the effective date of the policy,  eligible expenses incurred up to 8 weeks before the expected delivery by the insured mother will be paid for pregnancy childbirth, miscarriage, or complications related thereto. Maximum: $1,000 for Standard Plan and $10,000 for Enhanced Plan.

Professional Services – Expenses for the following services will be reimbursed in accordance with the applicable provincial government Schedule of Benefits: osteopath, chiropodist, podiatrist, physiotherapist, chiropractor - when ordered by the attending physician as treatment for a covered injury.  Maximum $600 per practitioner per calendar year.

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 $5,000

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 $600

Physicial Examination - up to maximum of $250, when a minimum of 12 months consecutive coverage has been purchased

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 by the most appropriate means including air ambulance or stretcher accommodation and medical escort if deemed necessary by TIC, to country of origin if a covered sickness or injury necessitates the immediate return of the insured, or if continuing medical care is required. (Preapproval of costs required.)

Return of Deceased - In the event of death, upto $15,000 to return the insured to their country of origin, or up to $5,000 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.

Follow-up visits - up to $3,000

A combined overall maximum of $10,000 applies to the following services:  ambulance, private duty nursing, radiology, physiotherapist, osteopath, podiatrist, chiropractor, rental of wheelchair, crutches, hospital bed. Purchase of splints, trusses, braces, prosthetic appliances. Oxygen and equipment for its administration, blood and blood plasma.

TRAVEL OUTSIDE CANADA DURING THE COVERAGE PERIOD

This plan includes coverage outside Canada (other than your country of origin),  provided the insured spends at least 51% of the period of coverage within Canada. Trips to the United States are limited to 30 days.