International Student Emergency Medical Travel Insurance
International Student Emergency Medical Travel Insurance provides comprehensive and competitive coverage for foreign students attending school in Canada who are not eligible for a government health insurance plan. Primarily designed for students enrolled in short-term study programs in Canada (6 months or less), this insurance will cover your emergency medical condition(s) until it is stabilized.
Benefit Summary*
Lifetime maximum: $2 million
This insurance provides coverage for reasonable and customary costs incurred in case of an emergency for the following benefits:
- Hospital Accommodation: up to 60 days per sickness or injury / semi-private room / outpatient consultations
- Psychiatric Treatment: up to $10,000 when admitted to hospital, and up to $1,000 for outpatient consultations
- Physician Charges: medical treatment by a physician
- Diagnostic Services: laboratory tests and X-rays
- Trauma Counselling: 6 sessions
- Paramedical Services: speech therapist, physiotherapist, chiropractor, osteopath, naturopath, acupuncturist, chiropodist or podiatrist, up to $500 per profession
- Prescription Drugs: limited to a 30-day supply per prescription
- Private Duty Nursing: up to $10,000 per sickness or injury
- Medical Appliances: crutches, casts, splints, canes, and others / up to $200 for prescription glasses or contact lenses and up to $300 for hearing aids, when required after an emergency for which hospitalization was required
- Treatment of Dental Accident: up to $4,000
- Emergency Relief of Dental Pain: when a minimum of 180 days of coverage has been purchased, up to $600 for the relief of acute dental pain
- Impacted Wisdom Tooth: up to $100 per tooth for the extraction of wisdom teeth
- Emergency Treatment Outside Canada: provided at least 51% of the period of coverage is spent in Canada (visits to the United States are limited to 30 days)
- Ambulance Services: when medically necessary
- Emergency Air Transportation: when approved in advance and medically necessary
- Family Transportation and Subsistence Allowance: up to $5,000 for single round-trip economy airfare for one immediate family member including $150 per day to a maximum of $1,500 for meals and commercial accommodations
- Return to the Country of Origin: up to $5,000 for one-way economy airfare for return to the country of origin for immediate medical care
- Preparation and Return of Remains: up to $10,000
- Accidental Dismemberment or Total Permanent Loss of use of limb or sight: up to $15,000
- Accidental Death: $15,000
- Air Flight/Common Carrier Accident: up to $100,000 in case of death
No emergency is required for the following benefits:
- Annual Medical Examination: when a minimum of 180 days of coverage has been purchased, up to $100 for one examination and related laboratory tests / up to $100 for one consultation for the prescription of the 'morning after pill'
- Maternity: up to $1,000 for pregnancy or complications thereof (excludes childbirth and voluntary interruption of pregnancy) / the pregnancy must start after the effective date of the insurance
- Eye Examination: when a minimum of 180 days of coverage has been purchased, up to $100 for an eye examination by an optometrist or an ophthalmologist
- Psychologist: up to $500
- Accessibility Corrective Device, Malfunction and Theft Protection: up to $1,000 to replace or repair a corrective device
* This insurance plan provides coverage up to the amount published by the provincial government health insurance plan for non-Canadian residents.
Certain limitations and exclusions may apply; please refer to the policy for a complete listing. Prior approval is required from Global Excel for certain benefits. Benefit limits are per 365 consecutive days. All benefit limits are in Canadian currency.
