International Student Health Insurance for Canada
Going to Canada from India for higher studies? Get student health insurance with medical protection, emergency assistance and other student-focused benefits. Compare your options and choose coverage that suits your study period and university requirements.
Compare Student Health Insurance Quotes
International Student Health Insurance for Canada
Student Health Insurance Abroad
- checkPlans designed to meet university insurance requirements
- checkAssistance with completing the waiver form
- checkBuy online instantly
- checkEasily renew your policy for the next academic year abroad
- checkCancellation and refund if your waiver is rejected
- checkPolicy covers eligible medical expenses due to accidents and sickness
Which International Student Health Insurance Is Right for You?
study in Canada
International Student Health Insurance for Canada from India
Planning to study in Canada is a decision and health insurance is something you need to think about when getting ready for your trip from India. As a student you might not get the same health coverage that Canadian people or people who live in Canada permanently get. Health insurance options, for students can be different depending on the province you go to the college you attend or the university you choose.
International student health insurance for Canada can help cover eligible medical expenses during your stay, subject to the policy terms, conditions, exclusions and coverage limits. Depending on the plan, benefits may include medical treatment, hospitalisation, emergency assistance, medical evacuation, repatriation and other student-specific protections
f you are an Indian student going to Canada for higher studies, check your college or university's insurance requirements before purchasing a plan. Some institutions provide or require their own health insurance arrangements, while requirements can vary by location and institution
Is insurance required?
Do Indian Students Need Health Insurance to Study in Canada?
Yes, Indian students should arrange appropriate health coverage before and during their studies in Canada. However, there is no single health-insurance rule that applies identically to every international student across Canada.
Health coverage for international students varies by province and territory, and your college or university may have its own insurance requirements. The Government of Canada recommends that international students contact their school to understand the health insurance arrangements that apply to them.
Some provinces provide access to provincial health coverage for eligible international students, while in other situations students may need private or institution-arranged insurance. Provincial coverage can also differ in eligibility and waiting periods.
What should you check before buying?
Before purchasing student health insurance for Canada from India, check:
- Your province or territory of study
- Your college or university's insurance requirements
- Whether your institution automatically enrolls students in a health plan
- Whether alternative private insurance is permitted
- The required medical coverage amount
- Policy duration and effective dates
- Deductible and exclusions
- Emergency medical and hospitalisation benefits
- Medical evacuation and repatriation requirements
The safest approach is to confirm your university's requirements before buying an alternative policy.
What Does Student Travel Insurance for Canada Cover?
A good student travel insurance for Canada is designed by Indian insurance companies for students going to Canada for higher studies. This student travel insurance covers for both travel and medical expenses for students abroad. Coverage depends on the insurance plan and its policy terms and conditions. A student medical insurance plan for Canada covers eligible expenses such as:
- Loss of Laptop
- Bail Bond Insurance
- Family Visit
- Treatment of mental and nervous disorder
- Emergency Dental Treatment
- Loss of Checked-In Baggage
- Personal Accident
Emergency Medical Treatment
Student insurance in Canada cover eligible emergency medical expenses for hospitalization, doctor visits, outpatient care, sudden illness, prescription medication and emergency medical assistance while you're in Canada.
Medical Evacuation & Repatriation
Expenses incurred in moving the student to a near by hospital for better medical treatment is Evacuation. While Repatriation means bringing back the body back to India or transporting to the nearest burial ground
Tution Fee
Reimburses advance tuition fees if a covered medical event prevents the student from continuing the current semester, subject to policy terms and limits.
Accident to Sponsor
Covers reimbursement of the remaining school fees if the sponsor named in the policy schedule suffers an accident during the policy period that results in their death or permanent total disability during the policy period
How Much Does Student Travel Insurance for Canada Cost in 2026?
Student Insurance for Canada from India starts at ₹22/day and goes up to ₹93/day for 1 year for a 23 year old student, depending on the plan selected, duration and the maximum medical coverage.
COMPANION STANDARD
₹7,973/year (₹22/day*)
$50,000 medical cover- check_circle Tution Fee $10,000
- check_circle Accident To Sponsor $10,000
- check_circle Family Visit $7,500
COMPANION SILVER
₹9,077/year (₹25/day*)
$1 lakh medical cover- check_circle Tution Fee $10,000
- check_circle Accident To Sponsor $10,000
- check_circle Family Visit $7,500
PRIME STANDARD
₹11,208/year (₹31/day*)
$50,000 medical cover- check_circle Tution Fee $10,000
- check_circle Accident To Sponsor $10,000
- check_circle Family Visit $7,500
PRIME SILVER
₹12,760/year (₹35/day*)
$1 lakh medical cover- check_circle Tution Fee $10,000
- check_circle Accident To Sponsor $10,000
- check_circle Family Visit $7,500
PRIME SUPER GOLD
₹27,104/year (₹74/day*)
$5 lakh medical cover- check_circle Tution Fee $10,000
- check_circle Accident To Sponsor $10,000
- check_circle Family Visit $7,500
PRIME MAXIMUM
₹34,045/year (₹93/day*)
$10 lakh medical cover- check_circle Tution Fee $10,000
- check_circle Accident To Sponsor $10,000
- check_circle Family Visit $7,500
*Price shown is for 1 year trip to Canada for a student aged 23. Get an instant quote for your exact trip.
Which Is the Cheapest Student Insurance for Canada?
Student Companion is the cheapest option, starting at ₹22/day for a 23 year old student studying in Canada for 1 year.
Which Is the Best Student Insurance for Canada?
Student Companion is best for budget conscious students, Student Elite is a mid tier option, and Student Prime is best for students seeking up to USD 1 million in medical coverage.
My Insurance
Will My University Accept Student Health Insurance from India?
The answer depends on your university, college and province. Some Canadian institutions have their own mandatory health insurance arrangements for international students. Therefore, Indian students should not assume that an insurance policy purchased in India will automatically replace their university's health plan.
Before buying check:
- Check your university's international student health insurance requirements.
- Find out whether an alternative insurance policy is permitted.
- Check the required medical coverage and benefits.
- Confirm whether a waiver process is available.
- Check the deadline for submitting a waiver request.
- Obtain written confirmation if the university allows alternative coverage.
The university or institution makes the final decision on whether an alternative insurance policy meets its requirements.
Insurance waiver
Can I Get a Waiver from My University's Health Insurance?
If your university allows students to opt out of its health plan, you may be able to apply for a waiver by demonstrating that you have alternative coverage that meets its requirements.
The process can vary between institutions. You may need to submit your insurance certificate, policy details and proof of coverage through the university's designated waiver process.
Before purchasing student insurance for Canada from India, check whether your institution accepts an alternative policy and what conditions apply.
Do not assume that purchasing Indian student insurance will automatically qualifies you for a waiver.
Reason for rejection
What If My University Does Not Accept This Insurance?
If your university does not accept the insurance for its waiver, first check why the waiver was rejected.
The university may require certain benefits, minimum coverage levels, network access or other conditions that your policy does not satisfy.
If the policy does not meet the university's requirements, you may need to enrol in the university's health insurance plan or choose another insurance option that the university accepts.
If you have purchased the student travel insurance through us, and you are unable to get the waiver from the university. Do not panic, please email us with the proof letter of rejection. This will help us to cancel the policy and give a pro rata refund of the premium.
Comparision of plans
Indian Student Health Insurance vs University Health Insurance in Canada
Indian students going to Canada may have two options: enrol in their university's health insurance plan or purchase an alternative international student health insurance plan from India, if the university permits it.
| Factors | Indian Student Health Insurance | University Health Insurance |
|---|---|---|
| Where you buy | India | Usually through the institution |
| Premium | Paid in Indian rupees | Canadian dollars, Usually included in the student fees |
| Acceptance | Depends on university requirements | Designed for enrolled students |
| Waiver | Required | Not Applicable |
| Flexibility | Plan options available for choice | One designated plan for all |
| Best for | Indian Students whose university accepts alternative insurance | Students who join the college |
Important: This is a general comparison. Your actual options depend on your province, university and policy terms.
Initial Cover
What Is Covered During the Initial Period in Canada?
Indian students should check whether there is any gap between their arrival in Canada and the start of their provincial or university health coverage.
Government guidance notes that health coverage arrangements differ across Canada, and some provinces may have residency or waiting requirements before provincial coverage begins.
If there is a gap in coverage, appropriate Indian student travel insurance can help protect you against eligible medical expenses during that period, subject to the policy terms.
Before travelling from India, confirm exactly when your Canadian university health coverage begins.
Buy now
How to Buy Student Health Insurance from India Online
Buying student insurance for Canada from India can be straightforward.
- Check your university requirements - Find out whether your college or university allows student insurance from waiver
- Check provincial requirements - Health coverage arrangements differ across Canada, so identify the requirements applicable to your province and college. Then identify the plan by which you can get a waiver
- Enter Travel Details - Provide your age, destination, depature date and duration of insurance required.
- Choose Plan - Select the plan which you have shortlisted to buy.
- Proposal Details - Fill the proposal form with the university details, communication details and personal details.
- Review Details - Verify your details for accuracy.
- Make Payment - Pay the premium online using different modes of payment like UPI, debit card, credit cards and other modes
- Policy Download - On successful payment online, you will get the policy pdf document via email which you can download and use it for your reference.
Can Parents in India Buy Student Insurance for Their Children Studying in Canada?
Yes. Parents can purchase student health insurance for their children studying in Canada from India.
The parent can provide the student's details while purchasing the policy and make payment. The student can then carry the policy certificate and other insurance documents to Canada.
This can be particularly convenient when parents are managing the student's travel and education expenses.
If the student has already travelled to Canada, different purchase conditions may apply. Get in touch with our insurance advisors who will guide you as per your requiremetns.
Can I Buy Student Travel Insurance If I Am Already in Canada?
Indian students have to purchase the student travel insurance before they depart from India. In case if they have travelled to Canada without purchasing insurance can still apply for an Indian student insurance plan. The process is simple. Students need to fill out the Student Outside India Form and connect with our insurance advisors. Our advisors will review the details and try to get an approval for the student insurance from the options available. Our insurance will try to help you in getting a suitable insurance.
Can I Renew My Student Health Insurance While Studying in Canada?
Yes, you can renew the policy with you being in Canada. Indian students can purchase the policy online for up to one year initially and renew it later, even while staying in Canada. This gives students the flexibility to extend your student travel insurance based on their university requirements and the duration of their stay.
How to File a Student Health Insurance Claim in Canada
Follow these steps or check our student insurance claim process guide for complete details.
Call the 24/7 emergency assistance number on your policy before seeking treatment, if your condition allows many insurers arrange cashless treatment at a network hospital.
Keep every original receipt hospital bills, pharmacy receipts, doctor's notes reimbursement needs full documentation.
Get a written medical report from the treating doctor describing diagnosis and treatment given.
For lost baggage or passport, file a report with the airline or local police within 24 hours and keep a copy.
Submit your claim online or by email as soon as you can, with all documents attached.
Know before you buy
What Is Not Covered by Student Health Insurance for Canada?
Understanding exclusions helps you avoid claim surprises. Most International student travel insurance for Canada plans do not cover:
- Pre-existing conditions - Not Covered, unless specified in the terms and conditions.
- Routine medical check-up - Routine medical tests or check-ups to stay healthy are not covered, unless specified by a visiting physician.
- Self-inflicted injury or intoxication-related claims - standard exclusion across insurers.
- Losses from your own negligence - for example, an unattended bag that goes missing.
- War, civil unrest, or acts of terrorism - check your specific policy wording for exact terms.
- Sports Activities - Participating in adventure sports activities
Always read the full policy wording before you buy - our team can walk you through the exclusions for any plan on this page.
FAQs - Student Travel Insurance for Canada
Yes Indian students should arrange health coverage before and during their studies in Canada. However health coverage requirements vary by province, territory, college and university. Some Indian students may be eligible for health coverage while other Indian students may need university-provided or private health coverage. Check students institution requirements, before purchasing a health coverage plan.
Yes depending on the policy you may be able to renew student health insurance while staying in Canada.
The policy can initially be purchased for the required period.
The policy can then be renewed later subject to insurer eligibility and renewal terms.
Renewing before the existing policy expires can help avoid a gap, in coverage.
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