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Outbound Student National Student Inbound Student

Student Plans: Outbound Student

Study abroad knowing you're protected.

Are you preparing to study abroad? If so, you'll be spending many months outside of Canada. If you fall sick or get injured, your government health plan may provide limited coverage, putting you on the hook for expensive medical costs.

While you're away, the Outbound Student plan can cover many costs for both emergency and non-emergency medical expenses – up to $1 million.

Emergency Medical benefits*

  • Hospital expenses – up to the $1 million maximum
  • Physician services
  • Diagnostic services
  • Private duty nurse
  • Ambulance transportation
  • Prescription drugs – up to 30-day supply
  • Paramedical services – including visits to licensed chiropodists, podiatrists, physiotherapists, chiropractors, or osteopaths
  • Emergency dental treatment
  • Psychiatric care
  • Trauma counselling
  • Medical appliances
  • Emergency evacuation
  • Family transportation to bedside and subsistence allowance
  • Repatriation of mortal remains
  • Tuition reimbursement
  • Trip break

Non-Emergency Medical benefits*

  • Annual medical examination
  • Annual eye examination
  • Maternity benefit

To be eligible for insurance under this policy, you must be:

  • under the age of 55; and
  • a full-time student with proof of admission or enrolment in a recognized institute of learning; or
  • a student completing post-doctoral research in a recognized institute of learning; or
  • dependant(s) and/or the spouse of and living with a student covered under this insurance, and named on the application.

You are not eligible for any coverage under this policy if your trip is booked or undertaken:

  • contrary to medical advice;
  • while you require kidney dialysis;
  • if you have used home oxygen at any time during the twelve (12) months prior to the date of application; and/or
  • you have been diagnosed with a terminal illness with less than two (2) years to live.

Pre-existing condition exclusions

This policy will not pay any expenses or benefits directly or indirectly relating to:

  1. A pre-existing condition that was not stable in the three (3) months before your effective date.
  2. Any pre-existing condition of a covered dependant and/or spouse that was not stable in the three (3) months before the date the dependant/spouse became covered under this policy.
  3. For covered dependants under two (2) years of age, any medical condition related to a birth defect whether genetic, acquired, or congenital.

Pre-Existing Condition

"Pre-Existing Condition" means a medical condition that exists before your effective date of insurance.

Medical Condition

"Medical Condition" means any disease, sickness or injury (including symptoms of undiagnosed conditions).

Stable

A medical condition is considered stable when all of the following statements are true:

  1. there has not been any new treatment prescribed or recommended, or change(s) to existing treatment (including a stoppage in treatment), and
  2. there has not been any change in medication, or any recommendation or starting of a new prescription drug, and
  3. the medical condition has not become worse, and
  4. there have not been any new, more frequent or more severe symptoms, and
  5. there has been no hospitalization or referral to a specialist, and
  6. there have not been any tests, investigation or treatment recommended, but not yet complete, nor any outstanding test results, and
  7. there is no planned or pending treatment.

All of the above conditions must be met for a medical condition to be considered stable.

Treatment

"Treatment" means hospitalization, a procedure prescribed, performed or recommended by a physician for a medical condition. This includes but is not limited to prescribed medication, investigative testing and surgery. IMPORTANT: Any reference to testing, tests, test results, or investigations excludes genetic tests. "Genetic test" means a test that analyzes DNA, RNA or chromosomes for purposes such as the prediction of disease or vertical transmission risks, or monitoring, diagnosis or prognosis.

Student Plans: National Student

Get protection when outside your government plan.

Are you a Canadian preparing to study in Canada, but outside of your home province or territory? If so, you may be spending many months without the full protection of your government health plan. If you fall sick or get injured, you may be on the hook for expensive medical costs.

While you're away, the National Student plan can cover many costs for both emergency and non-emergency medical expenses – up to $1 million.

Emergency medical benefits*

  • Hospital expenses – up to the $1 million maximum
  • Physician services
  • Diagnostic services
  • Private duty nurse
  • Ambulance transportation
  • Prescription drugs – up to 30 day supply
  • Paramedical services – including visits to licensed chiropodists, podiatrists, physiotherapists, chiropractors, or osteopaths
  • Emergency dental treatment
  • Psychiatric care
  • Trauma counselling
  • Medical appliances
  • Emergency evacuation
  • Family transportation to bedside and subsistence allowance
  • Repatriation of mortal remains
  • Tuition reimbursement
  • Trip break

Non-emergency medical benefits*

  • Annual medical examination
  • Annual eye examination
  • Maternity benefit

To be eligible for insurance under this policy, you must be:

  • under the age of 55; and
  • a full-time student with proof of admission or enrolment in a recognized institute of learning; or
  • a student completing post-doctoral research in a recognized institute of learning; or
  • dependant(s) and/or the spouse of and living with a student covered under this insurance, and named on the application.

You are not eligible for any coverage under this policy if your trip is booked or undertaken:

  • contrary to medical advice;
  • while you require kidney dialysis;
  • if you have used home oxygen at any time during the twelve (12) months prior to the date of application; and/or
  • you have been diagnosed with a terminal illness with less than two (2) years to live.

Pre-Existing Condition Exclusions

This policy will not pay any expenses or benefits directly or indirectly relating to:

  1. A pre-existing condition that was not stable in the three (3) months before your effective date.
  2. Any pre-existing condition of a covered dependant and/or spouse that was not stable in the three (3) months before the date the dependant/spouse became covered under this policy.
  3. For covered dependants under two (2) years of age, any medical condition related to a birth defect whether genetic, acquired, or congenital.

Pre-Existing Condition

“Pre-Existing Condition” means a medical condition that exists before your effective date.

Stable 

A medical condition is considered stable when all of the following statements are true:

  1. there has not been any new treatment prescribed or recommended, or change(s) to existing treatment (including a stoppage in treatment), and
  2. there has not been any change in medication, or any recommendation or starting of a new prescription drug, and
  3. the medical condition has not become worse, and
  4. there have not been any new, more frequent or more severe symptoms, and
  5. there has been no hospitalization or referral to a specialist, and
  6. there have not been any tests, investigation or treatment recommended, but not yet complete, nor any outstanding test results, and
  7. there is no planned or pending treatment.

All of the above conditions must be met for a medical condition to be considered stable.

Treatment

“Treatment” means hospitalization, a procedure prescribed, performed or recommended by a physician for a medical condition. This includes but is not limited to prescribed medication, investigative testing and surgery. IMPORTANT: Any reference to testing, tests, test results, or investigations excludes genetic tests. “Genetic test” means a test that analyzes DNA, RNA or chromosomes for purposes such as the prediction of disease or vertical transmission risks, or monitoring, diagnosis or prognosis.

Medical Condition

"Medical Condition" means any disease, sickness or injury (including symptoms of undiagnosed conditions).

Student Plans: Inbound Student

Cover medical expenses so you can focus on your studies.

If you're coming from outside Canada to study here, it's important to help protect yourself with medical insurance. While many medical costs are covered for Canadians, unfortunately that protection is not extended to international students.

While you're in Canada, the Inbound Student plan can cover many costs for both emergency and non-emergency medical expenses – up to $1 million.

Emergency medical benefits*

  • Hospital expenses – up to the $1 million maximum
  • Physician services
  • Diagnostic services
  • Private duty nurse
  • Ambulance transportation
  • Prescription drugs – up to 30 day supply
  • Paramedical services – including visits to licensed chiropodists, podiatrists, physiotherapists, chiropractors, or osteopaths
  • Emergency dental treatment
  • Psychiatric care
  • Trauma counselling
  • Medical appliances
  • Emergency evacuation
  • Family transportation to bedside and subsistence allowance
  • Repatriation of mortal remains
  • Tuition reimbursement
  • Trip break

Non-emergency medical benefits*

  • Annual medical examination
  • Annual eye examination
  • Maternity benefit

To be eligible for insurance under this policy, you must be:

  • under the age of 55; and
  • a full-time student with proof of admission or enrolment in a recognized institute of learning; or
  • a student completing post-doctoral research in a recognized institute of learning; or
  • dependant(s) and/or the spouse of and living with a student covered under this insurance, and named on the application.

You are not eligible for any coverage under this policy if your trip is booked or undertaken:

  • contrary to medical advice;
  • while you require kidney dialysis;
  • if you have used home oxygen at any time during the twelve (12) months prior to the date of application; and/or
  • you have been diagnosed with a terminal illness with less than two (2) years to live.

Pre-Existing Condition Exclusions

This policy will not pay any expenses or benefits directly or indirectly relating to:

  1. A pre-existing condition that was not stable in the three (3) months before your effective date.
  2. Any pre-existing condition of a covered dependant and/or spouse that was not stable in the three (3) months before the date the dependant/spouse became covered under this policy.
  3. For covered dependants under two (2) years of age, any medical condition related to a birth defect whether genetic, acquired, or congenital.

Pre-Existing Condition
“Pre-Existing Condition” means a medical condition that exists before your effective date.

Stable 
A medical condition is considered stable when all of the following statements are true:

  1. there has not been any new treatment prescribed or recommended, or change(s) to existing treatment (including a stoppage in treatment), and
  2. there has not been any change in medication, or any recommendation or starting of a new prescription drug, and
  3. the medical condition has not become worse, and
  4. there have not been any new, more frequent or more severe symptoms, and
  5. there has been no hospitalization or referral to a specialist, and
  6. there have not been any tests, investigation or treatment recommended, but not yet complete, nor any outstanding test results, and
  7. there is no planned or pending treatment.

All of the above conditions must be met for a medical condition to be considered stable.

Treatment
“Treatment” means hospitalization, a procedure prescribed, performed or recommended by a physician for a medical condition. This includes but is not limited to prescribed medication, investigative testing and surgery. IMPORTANT: Any reference to testing, tests, test results, or investigations excludes genetic tests. “Genetic test” means a test that analyzes DNA, RNA or chromosomes for purposes such as the prediction of disease or vertical transmission risks, or monitoring, diagnosis or prognosis.

Medical Condition
"Medical Condition" means any disease, sickness or injury (including symptoms of undiagnosed conditions).

Frequently asked questions

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Global Affairs Canada states that your Government health insurance will not cover your medical fees while you are outside Canada. Your provincial or territorial health plan may pay for none, or only a very small part, of the costs if you get sick or are injured while abroad. could spend years paying for the costs of treatment for an illness or accident you suffered in another country. The Government of Canada will not pay your medical bills. It is up to you to buy the best travel insurance you can afford and to understand the terms of your policy.

Government health insurance plans may have limits on the reimbursement of the emergency medical expenses incurred while in another province or territory. For example, air and ground ambulance costs, emergency dental treatment and prescription drugs as well as follow-up visits or out-patient visits or non-emergency medical services might not be covered outside your province or territory of residence. Travel Insurance for Students also offers tuition protection in the event of a medical emergency, which may not be offered by your government health insurance. For maximum protection you can purchase additional medical coverage even while travelling within Canada. You can also insure your spouse and children who will live with you while you are covered under this policy.

Coverage is available up to and including the age of 54.

If you already have coverage, please call Customer Service at 1-866-707-4922. You may be able to extend your coverage as long as:

  • Your period of coverage does not extend beyond 365 days;
  • You remain eligible for insurance under this plan;
  • We have received the extension requests prior to the expiry date of your existing policy issued by us; and
  • There has been no change between single or family coverage.

Note: For policy extensions, no losses or expenses or benefits will be paid for any illness or injury which first appeared, whether diagnosed or not, or for which treatment may or may not have been received prior to the effective date of the extension of coverage under this policy.

Yes.

Yes, you will need to purchase a family plan and have the parent's children listed on your confirmation of coverage.

Travel Insurance for Students applies no deductible amount to claims.

Take action

Downloads

Contact us

For more information and to speak to a Licensed Insurance Advisor, call

1-866-707-4922
(Monday – Friday 8am – 8pm ET)

Or email travelhelp@manulife.com

Ready to apply?

If you’re ready to lock in the coverage that works best for you - take the next step and get a quote for the coverage you need, then proceed to the application. For the best experience, please use Google Chrome or Microsoft Edge when visiting this site.

 Get a quote and apply

10-Day Free Look

If you notify us within 10 days of your purchase date, as indicated on your confirmation, that you are not completely satisfied with your policy, we will provide a full refund if you have not already departed on your trip and there is no claim in progress. For information on refunds after the 10-Day Free Look period, please refer to the Cancellations & Refunds section in the policy.

NOTE: All dollar figures are in Canadian dollars.

*Conditions, exclusions, limitations apply. See policy for details.