International Student Insurance
Health coverage from the day you land, so studying comes first.
Book a free consultationAll servicesEverything to know about international student insurance
Who it is for
- International students
- Parents sending children to study in Canada
- Students on study permits
- Spouses and children of students
How it works
- You choose a plan that meets your school and province requirements
- The plan covers emergency and basic medical care, with optional extras
- Many schools ask for proof of insurance
- Claims are made online or through direct billing
What affects the cost
- Age and length of study
- Coverage amount and deductible
- Province and school requirements
- Optional extras such as dental and repatriation
Common mistakes to avoid
- Buying a plan that does not meet school requirements
- Not checking the coverage start date
- Missing the deadline to waive a school plan
- Ignoring dental and mental health options
A student arriving in September buys a one year plan that starts before their flight and meets school requirements. Illustration only.
Questions people ask
Is student insurance required?
Many schools and provinces require coverage. Check your school requirements before you buy.
When does coverage start?
Choose a start date before you travel so you are covered from arrival.
Can family members be added?
Many plans allow spouses and children to be covered.
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A plain language guide to banking, credit, taxes, insurance, health coverage, TFSA, RRSP, FHSA, RESP and RDSP, written for newcomers by Manpreet Singh.
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Health coverage for international students depends on the province, your school and the length of your study permit. Some students are covered by a provincial plan after a waiting period, some by a school plan, and some need private insurance. I help you find and bridge the gaps without paying for cover you do not need.
How it works
Check your school and province
Find out what is already provided and what the waiting period is.
Compare options
School plan, provincial plan and private plans side by side.
Apply before you arrive
Coverage can start the day you land in Canada.
Renew or adjust
Update coverage when your permit or program changes.
Frequently asked questions
Do international students get provincial health coverage?
It depends on the province and the length of your permit. Some provinces cover students, sometimes after a waiting period, while others do not. I will check the rules for where you study.
My school has a plan. Do I still need insurance?
Many schools have a mandatory plan. You may be able to opt out if you have comparable private coverage, but deadlines apply. Check your school’s rules first.
What does student insurance cover?
Typically emergency and hospital care, doctor visits and prescriptions. Some plans add dental, vision, mental health and repatriation.
Is there a waiting period?
Some provinces have one. A private plan can cover you until provincial coverage starts.
Can my spouse or children be covered?
Family options exist. Tell me who is coming with you and I will quote it.
What happens after I graduate?
You may need new coverage, for example while on a post-graduation work permit. I can plan the transition with you.
How much does it cost?
It depends on your age, province, coverage level and deductible. Ask for a free quote.
Talk to Manpreet about International Student Insurance
A free, no-obligation call to find the right fit.
Book a free consultationOffered through MS Insurance Inc. by a licensed advisor in AB, SK, BC, NB, NS, QC, MB, ON and PEI. Information is general education, not personal advice. Product availability and rules vary by province.