Contents
DO YOU KNOW
You might not require international student insurance in Canada if you...
If you have sufficient funds to cover unforeseen medical expenses while abroad, you may not need to buy student insurance in Canada. International student insurance safeguards you and your family from financial strain in the event of unforeseen emergencies in Canada.
Student Health Insurance Eligibility
Who qualifies to buy student insurance?
Students
Students
Those who are attending a school or language school in Canada (Age under 69)
Recent Graduates
Recent Graduates
Those who have graduated from a Canadian college/university or graduate school in less than one year (Age under 69)
Student Companions
Student Companions
Those who are accompanying family of students attending a school or lanaguage school in Canada
KEY BENEFITS
Key Benefits
Get covered for unexpected medical expenses while studying in Canada
$2M to $5M
Dental & Health & Eyes
Professional Services
Prescription Drug
| Benefits | Insured Amount |
|---|---|
| Sum Insured | $5 million |
| Emergency Hospital | up to $5 million |
| Emergency Medical | up to $5 million |
| Emergency Transportation / Return Home | up to $5 million |
| legally licensed chiropractor, osteopath, podiatrist, chiropodist, naturopath acupuncturist physiotherapist | up to $600 per practitioner/year |
| Drugs or Medications | up to 30 days supply |
| Dental Emergencies | up to $600 |
| Dental Accident | up to $5,000 |
| Wisdom Teeth | up to $100 per tooth |
| Eye Examination | 1 per 12 month period of coverage |
| Physical Examination | 1 per 12 month period up to $250 |
| Maternity Benefit | up to $1,000 |
| Tutorial Services | $20/hour up to $500 |
| Transportation of Family or Friend | up to $5,000 |
| Accidental Death & Dismemberment * includes Exposure and Disappearance | up to $15,000 |
| Return of Deceased | up to $15,000 |
Isn't $100,000 in coverage enough?
Why do Canadian schools require at least $1M in insurance coverage?
Canadian schools require sufficient coverage for the following scenarios to reduce the risks they assume. Therefore, a minimum of $1M in coverage is necessary, and students are required to purchase insurance with at least $1M in coverage.
A 16-year-old student fainted during an argument with their parents at home. Although they had insurance coverage of $100,000 from their home country, the costs for repatriation for treatment were not covered. The Canadian hospital stated that no further treatment could be done. If the student continued to stay in the Canadian ICU, the medical costs would be uncertain. The student's parents spent $200,000 out of pocket to bring the student back to their home country with a medical escort.
A 12-year-old student collapsed while attending class at school. They were rushed to the emergency room for numerous tests and had to undergo brain surgery for an undiagnosed brain issue immediately. The total medical cost exceeded $400,000. The insurance they had was capped at $100,000 coverage. A legal battle ensued with the school over the remaining $300,000, but the student's side did not win. Ultimately, the student's parents had to pay the remaining $300,000 out of pocket.
How to purchase for international student insurance
The insurance application procedure is as follows.
Get a quote online and submit the application form. If there are no issues with the application, the agent will input the information into the insurance company's system and request approval. Once approved, the insurance certificate is issued immediately via email. During business hours, it is completed within an hour; if you apply outside of business hours, it will be completed within 8 hours. Resolve any insurance-related queries via email, phone, or chat consultation. If you already reside in Canada, you can have a phone consultation at 1-833-645-3858 (toll-free across Canada).
Private health insurance for students
If they don't have 'this' when you purchase an international student insurance, never buy.
Are you colluding with the insurance company? Once again, you've fallen victim to their tricks? It seems like they were only kind to you during enrollment, but now they've abandoned you. If you won't receive proper support when you need it, it's better to steer clear of them. You won't get the full benefits anyway. At Stonewell, our dedicated team for international student insurance is here to assist you in real-time. We've even eliminated those annoying hold tones. When you call, you'll connect directly with our local advisors. We take pride in delivering a service that goes beyond what typical travel insurance providers offer.
Real Claim Story
What benefits have clients received coverage for?
Those who have signed up with our claim service are receiving 100% coverage for the parts guaranteed by the policy. We've not seen a single 1% exception.
- The wire attached for orthodontic correction came off, causing pain in the teeth and gums. I paid $300.00 for the treatment and reattachment. The entire amount was fully covered at 100%.
- A crown that was previously placed due to a cavity fell out. It kept coming off. I went to the dentist and had it treated and refilled with tooth-colored filling. I was billed $614.98 and received coverage up to the dental treatment limit of $600.
- I went to the dentist for an examination due to tooth pain. The cause was a cavity. After receiving treatment for the cavity, I paid $244.00. I was fully covered at 100%.
- I visited the dentist due to pain in the molar area. The cause was a wisdom tooth. I paid $150.00 for extraction, and I was fully covered at 100%.
- I was playing basketball with a friend at school and fell, hitting my face on the ground. As a result, two front teeth were slightly damaged. I received dental treatment, and a claim was made for $2,448.00. I was fully covered at 100% through dental coverage benefits due to the accident.
- My shoulder felt stiff, so I visited a physiotherapist. After receiving therapy, I paid $103.48 for one session. I was fully covered at 100%.
- My shoulder and neck were hurting, so I visited a chiropractor. After receiving a massage, I paid $135.60 for one session. I was fully covered at 100%.
- At the recommendation of a school teacher, I regularly met with a speech therapist. The reason was that my child's language development was delayed. We had a total of 6 sessions, with each costing $120.00. I paid a total of $720.00 and received coverage up to the limit of $600.00.
- I visited a traditional Korean medicine clinic for acupuncture because my back was hurting. I paid $80.00 per visit, a total of $400.00 for 5 visits. I was fully covered at 100%.
- While playing soccer, I fell and felt pain in my leg. I visited a chiropractor. For 3 sessions at $150.00 per session, I paid a total of $450.00. I was fully covered at 100%.
- Due to sudden abdominal pain, I saw a doctor at a nearby walk-in clinic. I was diagnosed with enteritis and given a prescription. I paid $100.00 for the doctor's consultation and $48.26 for the medication. I was fully covered at 100%.
- I visited a clinic because my cold got worse. I was diagnosed with a common cold virus and received medication. I paid $80.00 for the doctor's consultation and $32.96 for the prescribed medicine. I was fully covered at 100%.
- I visited a walk-in clinic because my eyes were severely bloodshot. The doctor diagnosed it as an allergy and prescribed eye drops. I paid a total of $154.78 for the consultation and eye drops, and was fully covered at 100%.
- I developed a sharp, unbearable pain in my shoulder. It was so painful that I had to visit the emergency room in a hurry. The doctor there told me I had a severe inflammation and needed surgery. Following the doctor's recommendation, I consulted with several specialists and underwent a thorough examination. The next day, I had a surgery that took about an hour and returned home without being admitted to the hospital. The total medical bill came to $32,980. The insurance company paid the medical expenses directly to the hospital.
- I suddenly developed severe pain in my side while in class at school. I went straight to the emergency room where they told me it seemed like my appendix had burst and immediate surgery was necessary. After the surgery, a bill of $26,754 was issued, which the insurance company directly paid to the hospital.
- During the school holidays, I took a trip to the United States. While on a road trip, our car was hit by a bus from behind. The car was so damaged it had to be scrapped, and the passenger in the car was seriously injured. Immediate treatment in the US was necessary. The total medical costs, including 8 days of hospitalization, surgery, medication, and emergency transportation fees, amounted to $256,700.00. Fortunately, the insurance company paid the medical costs directly to the hospital.
Reasons to get Canadian Insurance
No More Regrets with Non-Canadian Insurance
In Canada, even a simple appendectomy can result in an easy claim of $30,000 CAD. Are you comfortable with the upfront payment of $30,000 CAD, even if you can get reimbursed later? Canadian insurance companies don't burden their customers with such expenses.
You don't need to worry about what's covered and what's not. Sudden medical expenses are covered 100% with no deductible.
In the event of medical issues requiring a sudden return to one's home country or legal issues arising with the school, having adequate insurance coverage can minimize the damage.
No need to worry even if the hospital bill is in the couple thousands. The insurance company pays the medical costs directly to the hospital. Canadian insurance companies are well connected with most local hospitals. The true value of Canadian insurance shows when it's most desperately needed.
Unique insurance refund policy
100% refund if unsatisfied
Has the insurance company refused a claim that is assured in the policy? Please contact us. We will fight for you. If you are still unfairly denied a claim, we will refund 100% of the insurance premium. In our 26 years of operation in Canada, the number of refunds made under the 100% refund policy is less than 0.1%. We make sure that only proper insurance is taken and we take responsibility to ensure reasonable claims are received.
Private health insurance for students
How Stonewell become the number 1
Diseases and accidents do not take holidays. Accordingly, we operate email, phone, and chat consultations without any days off.
Due to our large number of clients, we have top-tier contracts with major insurance companies. We're qualified to offer the best coverage benefits at the lowest prices.
The purchase of insurance may not differ significantly depending on where you buy it. It's like buying the same Lego set from Costco or a Lego store. You don't necessarily have to purchase through Stonewell. However, when you actually need to use the insurance, make sure you will receive adequate support. Unfortunately, many providers in the industry tend to be unresponsive after purchasing.
Delighted by Our Exceptional Services
Glowing Customer Reviews
Y.K
Toronto, ON
I have made mistakes when handling insurance claims on my own, and there have been instances where my claims were denied. However, thanks to your assistance in contacting the insurance company directly, I was able to receive proper coverage. Thank you!
K.J
Montreal, QC
Thank you for always providing friendly consultations. When it comes to travel insurance, the most important aspect is the claims process, and I'm always satisfied because communication is excellent and I only use your services here.
P.N
Surrey, BC
I haven't found any other place that offers as good of a combination of affordability and benefits for student insurance. I had an experience where my claim was denied by my home country's insurance after undergoing an appendectomy. Since then, I insist on having only Canadian insurance. I even recommend it to my acquaintances, telling them to get Canadian insurance without fail.
Foreign Student Insurance FAQ
Frequently asked questions
Private health insurance for students
Why Stonewell Financial?
We get paid by insurance company to help you acquire most suitable product based on your needs and budget. We as the broker represent our client’s best interests and our duty is to understand your situation, needs, and requirements due deligently to find best solutions.
