Student Medical Insurance
Comprehensive health insurance for international students
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Coverage from day one
Emergency medical care
Prescription medications
Mental health support
Why do you need medical insurance?
Most international students don't have public coverage when they arrive.
Quebec Waiting Period
Quebec has waiting periods for RAMQ of up to 90 days (depending on status).
Ontario Exclusion
Ontario does NOT include international students in OHIP, except minimal exceptions.
Institution Requirement
Colleges and universities require private insurance with varying coverage.
Family Coverage
Students with partners and children represent the highest ticket.
Who needs this insurance?
Students without RAMQ (first 90 days)
Students who never qualify for RAMQ
Students in Ontario without OHIP
Adult students 30-45+ (higher perceived risk)
Students with pre-existing conditions
Students traveling between provinces
Our Insurance Plans
Standard Plan
- Coverage from day one
- Emergency medical care
- Prescription medications
- Mental health support
Family or Medical Condition Plan
- All standard plan benefits
- Family coverage included
- Pre-existing conditions coverage
- Extended coverage options
