Guide for the Canadian Scholar on Travel Student Health Insurance
Studying abroad is a great opportunity for students as it allows them to broaden their horizons. Many see it as a life-changing experience. If you are a Canadian student planning to study abroad, don’t worry about health insurance issues when travelling abroad. In this article, you will find some reassuring facts and some helpful tips on student health insurance. Be well informed before the start of your trip.
What should I do to extend my health coverage?
If you are leaving the country for a long period, you may be wondering what to do to avoid losing your Canadian health insurance. Before leaving, you must contact your provincial care office to request a special insurance card. If you do not inform them of your travel plans, your insurance will expire after 180 to 212 days from your departure date. As a travelling student, you can continue to be eligible for health care benefits until you return to your province, as long as you keep your health up to date.
To apply for a special annual health insurance card, you must provide a letter of admission from the school you will attend, a copy of your birth certificate, and a letter requesting full insurance coverage. After submitting these documents, you will receive a certificate confirming that you are eligible for this type of coverage.
Note that the Canadian provinces differ in terms of health insurance. For example, if you live in Manitoba, the amount you recover for a particular medical procedure performed outside the country would be equal to the cost of this medical intervention performed in Manitoba. So be sure to collect information about your provincial health care for travelling students.
Do I need to purchase additional student insurance?
Whether you are going to study abroad or travelling alone in another province of Canada, you will benefit from additional student travel insurance. These plans are designed to supplement provincial insurance coverage. Because your provincial health plan often covers only part of the cost of treatment or medical service in other countries or provinces, you must compensate for the difference in your pocket; therefore, additional health insurance can alleviate concerns not only about health problems but also budgetary problems.
Most post-secondary schools require that their students be covered by student insurance. So before you start studying outside the county, take a look around and get quotes from various companies to compare rates and conditions. The questions to ask should be:
How long am I covered?
Is it possible to renew my policy from other parts of the world?
What are the costs of my premiums?
What is my deductible?
There are several travel insurance plans for students, and a little research will help you decide which one is right for you.
What does my student travel insurance cover?
Plans vary from company to company, but on average, they usually cover the treatment of illness and medical care in the event of an accident. Some plans do not cover pregnancy, pre-existing medical conditions or annual medical checkups. Please read the insurance policy carefully (including the fine print) before signing the document, as your cover may have certain limitations and/or exclusions.
Does student travel insurance cover flight cancellations or lost luggage?
To provide coverage in the event of flight cancellation and/or baggage loss insurance, you must purchase travel insurance that offers this specific type of coverage. Do not automatically assume that you are insured against such incidents during your trip. Always check the terms of your policy.
Do I need additional travel insurance for students if I have to study in another Canadian province?
Medical expenses vary from province to province and government health insurance has limits covering medical expenses while you are in another province. This is why it is wise to protect yourself and your family members who stay with you while travelling outside your home.
Do some medical emergencies have limited coverage?
Ambulance fees, emergency dental care, a prescription medication for a sudden illness, follow-up visits and outpatient visits, as well as other medical services, may not be covered or maybe only partially covered, under your plan.