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International Student Insurance

Key Benefits

  • Affordable all-in-one hospital, medical and extended health care solution
  • Several plans to choose from for flexible, convenient coverage
  • Additional optional coverages including Accidental Death & Dismemberment, Trip Cancellation, Trip interruption, Flight Accident, Baggage Protection

Eligibility

  •  Who are enrolled in at least 60% of the required courses for a specific program at a Canadian school, college, university of accredited educational institution
  • Who are temporary resident of Canada without any government health care coverage
  • Who have completed your studies and remain up to a year in Canada to work in the field of your studies
  • Who would like the coverage under their policy for their spouse and dependents living with them

Benefit Detail

Standard option Maximum coverage amount
Sum insured $2 million
Included in the overall maximum :
Emergency Hospital up to sum insured
Non-emergency medical Treatment ( Follow-up Treatment)* Non-emergency medical treatment is defined as follow-up treatment of your first visit to a hospital. no limit of amount but only one time treatment allowed

Emergency Medical Includes:

  • Physician/Surgeon/Anaesthestist/Registered nurse
  • Diagnostics/lab tests and x-ray examinations
  • Ambulance including emergency cab fare
  • Rental of medical equipment or appliances
up to sum insured

Professional Services Includes :

legally licensed chiropractor, osteopath, podiatrist, chiropodist, naturopath acupuncturist physiotherapist

up to $600 per practitioner/year
Drugs or Medications up to a one-month supply
Maternity Benefit up to $1,000
Eye Examination 1 per 12 month period of coverage
Physical Examination 1 per 12 month period up to $250
Emergency Transportation / Return Home up to sum insured
Transportation of Family or Friend up to $5,000
Dental Accident up to $5,000
Dental Emergencies up to $600
Wisdom Teeth up to $100 per tooth
Return of Deceased up to $15,000
Accidental Death & Dismemberment * includes Exposure and Disappearance up to $15,000
Tutorial Services $20/hour up to $500
* Please refer to details in RED for extra benefits associated with Enhanced option.
Enhanced Option Maximum coverage amount
Sum insured $2 million
Included in the overall maximum :
Emergency Hospital Emergency up to sum insured

Medical Includes :

  • Physician/Surgeon/Anaesthestist/Registered nurse
  • Diagnostics/lab tests and x-ray examinations
  • Ambulance including emergency cab fare
  • Rental of medical equipment or appliances
up to sum insured

Professional Services Includes :

legally licensed chiropractor, osteopath,  podiatris,chiropodist, naturopath, acupuncturist, physiotherapist

up to $600 per practitioner/year
Drugs or Medications up to a one-month supply
Maternity Benefit up to $10,000
Eye Examination 1 per 12 month period of coverage
Physical Examination 1 per 12 month period up to $250
Emergency Transportation/Return Home up to sum insured
Transportation of Family or Friend up to $5,000
Dental Accident up to $5,000
Dental Emergencies up to $600
Wisdom Teeth up to $100 per tooth
Return of Deceased up to $15,000
Accidental Death & Dismemberment * includes Exposure and Disappearance up to $15,000
Tutorial Services $20/hour up to $500
Psychologist and Psychiatric Care Inpatient Up to $10,000 Outpatient Up to $1,000
Pre-existing Conditions Covered if stable during 90 days prior to Effective Date
Brochures
English    Korean    Japanese    Spanish    Portuguese

Other Resources
Download Policy Wording
Download Claim Form
Download Application Form
Key BenefitsMaximum Limit
Maximum liability$2,000,000
Emergency medical treatment• Emergency medical treatment for sickness or injury whether in-patient or out-patient care
• Services of physician, surgeon, anaesthetist, registered graduate nurse
• Up to $15,000 for private duty nursing
• X-rays and laboratory services
• Rental of medical appliances

Non-emergency medical treatment (Follow-up Treatment)

* Non-emergency medical treatment is defined as follow-up treatment of your first visit to a hospital

Up to $3,000

* There is not the number of time limit.

AmbulanceIncluding mountain and sea rescue. Taxi expenses up to $125 in lieu of ambulance
Prescription drugsLimit of a 30-day supply, up to $10,000
Eye examinationOne visit per 12 months period
Annual physician visitUp to $150 for one check-up or one consultation session and prescription of the ‘morning after pill’ per 12 months period
(if 365 days are purchased)
Emergency air transportationUp to Policy limit
MaternityUp to $25,000 if pregnancy commenced during period of coverage
Dental• Up to $5,000 for accident
• Up to $600 for dental pain
• Up to $150 for impacted wisdom tooth
Professional medical servicesUp to $600 per practitioner for visits to licensed physiotherapist, chiropractor, chiropodist, osteopath, acupuncturist, speech therapist, naturopath, or podiatrist. Referral needed for acupuncturist and naturopath
Psychological/Psychiatric

• Up to $1,000 for visits to a physician, psychiatrist or psychologist
• Up to $10,000 for hospitalization

Repatriation

• Up to $15,000 for repatriation

• Up to $5,000 for burial/cremation at place of death (excluding cost of burial coffin or urn)
• Up to $5,000 for a family member to travel and identify your body and up to $1,500 for meals and accommodation

Family transportationUp to $5,000 for transportation costs and up to $1,500 for meals and accommodation in the event of your hospitalization
Accidental Death and
Dismemberment
$10,000
Optional limits available:
• Air flight/common carrier – $100,000
• 24-hour Accident – $25,000

Key Features
Travel worldwideTravel worldwide is valid as long as majority of time is spent in country of study. No coverage provided while in home country.
Pre-existing conditionsCovered if stable in the 90 days prior to the effective date
Exclusions• Medical treatment or medical condition originating in your home country
• Long term care or ongoing care
• Refer to policy wording for complete list of all exclusions
Refund• Full refund if prior to the effective date/if student visa is denied/if entry into country is denied/if non arrival
to country of study
• Partial refunds are also available – consult the policy wording for full details
Claims procedureConsult the claim guideline in your policy wording

Brochures

English   
French   
Korean   
Chinese   
Japanese   
Spanish   
Portuguese   
Arabic   
German   

Other Resources

Download Policy Wording

Download Claim Form

Download Claim Form ( Korean Guide )

Berkley International Students to Canada

  • Premiums are calculated by multiplying the daily rate based on the applicant’s age and trip duration by the number of days of their coverage period or by using the flat rate for 12 continuous months.
  • Provides worldwide coverage provided 51% of the coverage period is spent in Canada. Travel to the USA is limited to 30 days per trip.
  • Can be issued up to 7 days prior to arrival for coverage for travel to Canada
  • Coverage available for the spouse, dependent child, parent, legal guardian, teacher or chaperone of the insured student up to age 64
Berkley International Students To Canada Plans
The following is a summary of the Berkley International Students to Canada Product.
Please refer to the policy wording for complete terms, benefits, conditions and exclusions.
Eligibility

To be eligible for coverage you must :

  1. At least 15 days old and less than 65 years of age.
  2. Ineligible for benefits under a government health insurance plan
  3. Residing in Canada on a temporary basis
  4. One of the following :
    • a student with proof of full-time admission in a recognized Canadian institution of learning
    • a student completing post doctorate research in a recognized Canadian institution of learning
    • the spouse or dependent child of the insured student and residing with them on a full-time basis
    • the parent, legal guardian, teacher or chaperone of the insured student.
 StandardEnhancedPremium
Maximum Policy Duration365 days365 days365 days
Travel Outside CanadaTravel worldwide is valid as long as the majority (51%) of time on the policy is spent in Canada. Your home country is excluded unless on a school-sponsored trip, and coverage in the USA is limited to 30 days
Sum Insured$2,000,000
Medical CoverageStandard
Emergency
Enhanced
Emergency Plus
Premium
Emergency Plus
Hospitalization
  • Semi private room
  • Emergency room fees
  • Emergency outpatient services
  • Semi private rate
  • Emergency room fees
  • Emergency outpatient services
  • Semi-private rate
  • Emergency room fees
  • Emergency outpatient services
Physician ChargesMedical treatment by a legally licensed physician, surgeon, anesthetist or registered graduate nurse
Diagnostic Services
  • Lab tests & x-rays part of emergency medical treatment
  • MRI, CAT, cardiac catheterization, sonograms, ultrasounds, digital x-rays, biopsies with prior approval
Prescriptions30 day supply30 day supply60 day supply
Private Duty NurseWith prior approval
$5,000 limit out of hospital
With prior approvalWith prior approval
Paramedical Services
( Chiropractor, Physiotherapist, Podiatrist or Osteopath )
N/A$500 per practitioner$500 per practitioner
Psychiatric / Psychological
  • Up to $500 for outpatient visits to a psychiatrist or psychologist
  • Up to $10,000 for psychiatric hospitalization
  • Up to $500 for outpatient visits to a psychiatrist or psychologist
  • Up to $10,000 for psychiatric hospitalization
  • Up to $1,000 for outpatient visits to a psychiatrist or psychologist
  • Up to $15,000 for psychiatric hospitalization
Trauma CounselingN/A6 sessions6 sessions
Physical ExamN/AOne exam per year up to
$150
One exam per year up to
$150
Eye ExamN/AOne exam per year up to
$100
One exam per year up to
$100
Maternity
  • Up to $5,000 for complications; the pregnancy must commence during the coverage period.
  • One induced termination per policy period.
  • Up to $10,000 for complications; the pregnancy must commence during the coverage period.
  • One induced termination per policy period.
  • Up to $15,000 for complications; the pregnancy must commence during the coverage period.
  • One induced termination per policy period.
Corrective DeviceN/AUp to $1,000 to repair or replaceUp to $1,000 to repair or replace
Sexual Health ConsultationN/AN/AUp to $100 for elective testing
DentalAccident : Up to $2,500
  • Accident : Up to $4,000
  • Pain : $600
  • Accident : Up to $4,000
  • Pain : $600
Medical AppliancesPurchase or rental of minor appliances with approval: crutches, wheelchair, splints, canes etc.Purchase or rental of minor appliances with approval: crutches, wheelchair, splints, canes etc.Purchase or rental of minor appliances with approval: crutches, wheelchair, splints, canes etc
Ambulance ServicesLicensed ground ambulance or taxi
Emergency Air Transportation
  • With prior approval
  • Air ambulance
  • Airline with medical attendant
  • Additional seats if required
  • Economy airfare to Canada or you country of origin

Additional CoverageStandard
Emergency
Enhanced
Emergency Plus
Premium
Emergency Plus
Tutorial ServicesN/AN/AUp to $20/hour max of $500
Repatriation of Remains$5,000 repatriation, cremation or burial at place death$10,000 repatriation, cremation or burial at place of death$10,000 repatriation, cremation or burial at place of death
Family TransportationN/AEconomy airfare up to $5,000
& $150/day max
$1,500 for living expenses
Economy airfare up to $5,000
& $150/day max $1,500 for living expenses
AD&D
  • Air Flight / Common Carrier Accident: $25,000
  • Accident: $10,000
  • Air Flight / Common Carrier Accident: $100,000
  • Accident: $15,000
  • Air Flight / Common Carrier Accident: $100,000
  • Accident: $15,000

ExclusionsStandardEnhancedPremium
Pre-existing conditionsUnexpected emergencies covered if stable for 90 days prior to the start of the policy.Unexpected emergencies covered if stable for 90 days prior to the start of the policy.Unexpected emergencies covered if stable for 90 days prior to the start of the policy.
To obtain medical treatment
In country of origin
Prudent personMedical condition that requires treatment prior to departure
Non-emergencyIncluding elective and cosmetic
Prior to effective dateFor coverage extensions
Terminal IllnessOr travelling against advice of physician
Can be DelayedUntil your country of origin
Ongoing ConditionChronic condition, home health care, investigative testing or rehabilitation
Travel Outside CanadaMedical treatment exceeding 30 days in the USA
HIVIncluding HIV related conditions and AIDS
Follow up VisitAcute sickness or injury after emergency has ended
PregnancyExcept as provided in the Maternity Benefit
PrescriptionsOver the counter, contraceptive, and not legally registered or approve in Canada
TransplantsCornea, organ, bone marrow, artificial joints, prosthetic devices, and implants
Medical ExaminationsRequested by third party, or consultations with a physician by phone or e-mail
Prior Approval not ObtainedExcept emergency upon admission to hospital
IntoxicationAlcohol, prohibited drugs, or any other intoxicant
Criminal or Illegal ActCommitting or attempting to commit
Emotional, psychologicalExcept as provided in Psychological and Psychiatric Benefit
SuicideIncluding attempt, whether sane or insane
Aircraft OperationOperating or learning as pilot or crew
High Risk ActivitiesRock or mountain climbing, hang gliding, parachuting, bungee jumping, skydiving, motor sport/racing, professional sport, scuba diving
Government WarningAvoid all travel or to avoid non-essential travel
ContaminationRadioactive material, nuclear fuel or waste
War
Terrorism
Armed Forces Service

International Student Plan FAQ

– Allianz Standard/Enhanced : Age from 15 days old up to 59 years old

– Tugo :
Up to 69 years old

– Berkley Standard/Enhanced/Premium :
Up to 65 years old

Pre-existing condition means a medical condition, illness or injury known to you, and for which you have received medical consultation, diagnosis, and/or medical treatment by a physician prior to the effective date of the Policy and includes a medically recognized complication or recurrence of a medical condition.

The insurer is not travelling against a physician’s advice and the insurer has not been diagnosed with a terminal condition for any of products listed below.

– Allianz Standard :
Benefits will be excluded for any pre-existing conditions

– Allianz Enhanced :
Covered if stable for 90 days

– Tugo:
Any pre-existing condition as defined with the exception of any condition which has remained stable in the 90 days prior to the effective date of the Policy. Pre-existing conditions that do not meet the  criteria set out above are not covered.

– Berkley:
Subject to stability period of 90 days prior to effective date. 90 days up to age 69. 180 days for age 70-84. There is no coverage for any preexisting medical conditions for anyone age 85-89.

– Allianz Standard/Enhanced :
$30 Minimum premium per policy

– Tugo :
Minimum 10 days per policy

– Berkley:
$20 Minimum premium per policy

Any option of Allianz’s insurance requires insurer to be in any consecutive 12-month period the policy.

Allianz Standard :
– 
Costs incurred by the mother for pre-natal care, miscarriage, or related complications will be reimbursed up to $1,000.
– The expected delivery date must be more than 10 months after effective date.

Allianz Enhanced:
– Costs incurred by the mother for pre-natal care, childbirth or miscarriage, or related complications will be reimbursed up to $10,000.
– The expected delivery date must be more than 10 months after effective date.

Tugo :
– Up to $25,000 for pre-natal care (including but not limited to tests and prescribed medication), involuntary termination of pregnancy or resulting complications provided the pregnancy commenced during the period of coverage.

Berkley Standard/Enhanced/Premium :
– Not covered

Wonder how to submit a claim?

If you’re already a insurance policy holder and wonder how to submit your insurance claim regarding your medical expenses, click below.