Health coverage for Canadians studying in another province or territory
When you leave home to study in another province or territory, your Canadian provincial or territorial health insurance plan may not cover your unexpected and routine health costs.
CoverMe® Travel Insurance for Students helps cover emergency medical care, including diagnostic tests, prescription drugs and paramedical services. It also covers your annual physical and eye exam.
- Up to $2 million in emergency and non-emergency medical benefits
- Up to $5,000 to reimburse tuition if you can't attend school
- One medical exam (up to $100) and one eye exam every year
- Up to 50% in premium savings if you are studying in Canada outside your province or territory of residence
- Save when you choose family coverage to protect your spouse and dependent children (minimum age 30 days)
- Under age 45
- Canadian resident, covered by a Canadian provincial or territorial health insurance plan
- Full-time student with proof of admission or a student completing post-doctoral research in a recognized institute of learning, or
- The spouse and/or child of the student (minimum age 30 days)
- Click "View More" to see what conditions make you ineligible for coverage.
Flexibility when plans change
- Visit home on a trip break for up to 21 days without ending your coverage
- Stay at school longer by extending your coverage to a maximum of 365 days
- Spend the summer with coverage between semesters as long as you're still enrolled
Up to 60 days for injury or illness; up to 30 days for psychiatric care
Physician services – plus up to 5 follow-up visits
Accidental injury – up to $2,500
Expenses to bring you home – up to $100,000
- Pre-existing medical conditions that have not remained stable in the 3 months before the effective date
- Any medical condition related to a birth defect if the insured child is under age 2
- If you get coverage after you leave home, there is a 48-hour waiting period except if you are accidentally injured or if you are extending an existing Travel Insurance for Students policy from Manulife
Government health travel advisory (GHTAC) rider
Our government health travel advisory rider gives you emergency medical insurance when the Government of Canada issues an “Avoid non-essential travel” advisory before your departure date to the country or region you are visiting because of a specific virus or disease.
Carry your policy everywhere you travel
Keep your policy and wallet card safe, and take them with you everywhere you go on your trip. Your wallet card has contact information for our Assistance Centre, available 24/7, if you need to access your benefits while you're away. In addition, get the TravelAid mobile app, which can provide directions to the nearest medical facility and local emergency telephone numbers.
You must contact the Assistance Centre before you receive any treatment while on your trip. If you don't, you will have to pay 25% of the medical expenses that would normally be covered under this policy, and some benefits may be limited or not covered.
Top 5 questions about travel insurance
Plans for Canadians studying in another province or territory cover you anywhere in Canada for the entire period shown on your confirmation.
Plans for Canadians studying abroad cover you anywhere in the world (outside Canada) for the entire period shown on your confirmation.
Plans for international students in Canada cover you anywhere in Canada and for trips up to 15 consecutive days outside Canada provided that your travel outside Canada:
Does not exceed 49% of your period of coverage
Starts and finishes in Canada
Excludes your home country
Our travel insurance plans for students include a trip break benefit, which allows you to suspend your coverage without ending it if you visit home during your trip. Your coverage is immediately reinstated when you:
Leave home if you are a Canadian studying in another province or territory
Leave Canada if you are a Canadian studying abroad
Arrive in Canada if you are an international student in Canada
You must call 1-877-331-3134 or +1(519) 251-7401 to get approval from our Assistance Centre before you travel home. We do not refund your premiums for the days you are visiting home.
All our travel insurance plans for students have a $0 deductible.
If you're not sure how to answer any question on the medical questionnaire, consult your doctor. It's very important to make sure your answers are complete and accurate. Any incomplete or inaccurate statements in your application may void your plan.
The confirmation we send you when we receive your premium payment is your official receipt recognized by the Canada Revenue Agency.
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