Student Travel Insurance for Canadians Studying Abroad

Did you know that a day of medical care in the average US hospital costs $16,000? That's a lot of money, and the costs add up quickly for Canadian students who can't get health insurance in their host country. So, keeping this in mind, it's important to get coverage before you go on your exciting adventure.

What should be in your student travel insurance

Getting student travel insurance that covers emergencies, annual checkups, and prescriptions is the best way to go, whether you're going on an exchange or to study for a long time outside of your home province.

For example, TuGo's Student Insurance covers medical emergencies as well as visits to a psychiatrist or psychologist and other professional services. Dental problems can also come up out of the blue and cost a lot. Accidents, tooth pain, and wisdom teeth that get stuck can all be covered by dental insurance.

Here's a true story about how our Student Insurance helped Taylor get the right care for his inflamed heart while he was studying abroad...

Taylor didn't have to pay more than $43,000 for a heart inflammation.

Taylor*, who was 21 and studying abroad in Texas, got a sharp pain in his chest. He went to a small hospital in the country, where the doctor was worried that he might have had a heart attack, even though he had never had one before.

To Go paid $43,521.19 for the claim.

*Name changed to protect privacy of customer

What does Canada's TuGo Student Insurance cover?

Any time, an emergency can happen, and we want to make sure you get the best care possible. With TuGo, you can get help in an emergency at any time. Also, if you are in school and have valid insurance, you are covered even when school is not in session. You can go home for short visits and not lose your insurance. (However, if something happens while you're back in your home province, you won't be covered. While you're at home, your provincial health plan should cover you.)

Our Student Insurance can also cover family members who live with you while you are in school.

The main benefits of TuGo's student insurance for Canadians are:

Up to $2 million in coverage, including emergency medical care for COVID-19

One yearly visit to the doctor and one general eye exam *

Prescription drugs

Emergency dental treatment

Fracture treatment

Up to five follow-up visits in the 14 days after the first emergency care

Other professional medical services, such as chiropractors, physiotherapists, and more

Maternity \s*

If you buy at least 180 days of coverage, you can use it once in a 12-month period.

What Happens if Your Student Visa Gets Denied

With Student Insurance from TuGo If your student visa is turned down or if you get to the country where you want to study but are not allowed in, you can get a full refund on your travel insurance. All you have to do is send us your requests for refunds within 90 days of the policy's end date.

TuGo's student insurance does not cover

Student travel insurance is helpful, but you should also know what it doesn't cover. Here are a few things that aren't covered, but make sure to check the policy:

Medical conditions that were there before – For the policy to cover you, your medical conditions must be stable at least 90 days before the policy starts.

As a professional athlete, taking part, training, or practicing in any sport or activity, or in any of the following sports or activities, whether you are a professional athlete or not:

Hang gliding/paragliding
Ice climbing
Speed races with cars
Mountaineering
Parachuting/skydiving/tandem skydiving
Rock climbing
Scuba diving or free diving over 40 metres

No matter what kind of coverage you decide to buy before going abroad, you should talk to a professional insurance agent and go over your policy wording. Pay close attention to the exclusions, limits, and conditions.

I hope this gives you a better idea of what student travel insurance is and how it works. Since we can't talk about other policies on the market, I've used our Student Insurance as an example. However, the information here should help you know what to look for in a good student travel insurance policy.

Do you want to travel when you don't have school? Here's our budget travel tips for students.

Also Read : Tips for buying travel insurance