Travel Insurance / International Students
Health Insurance for International Students in Canada
Studying in Canada is a big investment. A student medical plan protects you from emergency hospital and doctor bills, which provincial plans do not cover for most international students in Ontario.
International students in Ontario are not covered by OHIP. Many colleges and universities include a plan such as UHIP or a school plan, but students in private programs, language schools, or those waiting for coverage to start often need their own plan.
What student medical insurance covers
Emergency hospital care
Hospital stays, surgery and doctor’s fees for a sudden illness or injury.
Tests and prescriptions
Lab tests, X-rays and drugs prescribed in an emergency.
Mental health support
Counselling after a traumatic event, and psychiatric care on many plans.
Dental accidents
Emergency dental treatment after an accident.
Family support
Travel costs for a family member to be with you in hospital.
Return home
Transportation to your home country for medical care, if needed.
Who needs a student plan?
- Students arriving before their school plan starts
- Students at schools without a mandatory health plan
- Language school and short-program students
- Students between programs or waiting for a work permit
Frequently asked questions
Does my school plan cover me?
Many universities enrol students in UHIP or their own plan automatically. Check your school’s plan, its start date and what it covers.
Can parents buy the plan for their child?
Yes. Parents or relatives in Canada or abroad can buy the plan and pay for it.
Can I buy coverage after I arrive?
Yes, but some plans have a waiting period for illness when bought after arrival. Buying before you land gives the best protection.
Talk to Devendra Kumar, Financial Planner (CLU, CHS)
DK Insurance & Investment Inc. serves families across the GTA from offices in Vaughan, Mississauga and Brampton. Call or text +1-647-761-0517 for a free, no-obligation conversation.