Update on Individual Travel Insurance Coverage
Update on Individual Travel Insurance Coverage related to the jet fuel shortage situation and the Middle East and Cuba travel advisories. Learn more
Travel insurance for students
Are you a Canadian heading to college or university outside your home province or outside Canada? Or an international student in school in Canada? Either way, get coverage for the emergency and non-emergency medical care you need while you're working towards making your grades.
Travel insurance benefits for students
Student travel insurance provides essential coverage to help protect your health, finances and studies while you’re abroad or in Canada. Emergency medical coverage provides protection against the cost of unexpected illness or injury. The tuition reimbursement benefit may reimburse your tuition fees if you’re unable to attend school because of a medical emergency. Hospital benefits help cover the cost of hospitalization for emergencies so you can get the care you need. Preventive medical exam benefits cover routine checkups and preventive care to help maintain your health while studying. Explore our plans to find the best travel insurance for students.
Overview
Canadians studying in another province or territory
- Student travel insurance for Canadians studying in Canada
- Up to $2 million in emergency and non-emergency medical benefits
- For Canadian residents covered by a Canadian provincial or territorial health insurance plan and going to school in Canada
Canadians studying abroad
- Travel insurance for Canadian students studying abroad
- Up to $2 million in emergency and non-emergency medical benefits
- For Canadian residents covered by a Canadian provincial or territorial health insurance plan and going to school outside Canada
International students studying in Canada
- Student travel insurance for international students
- Up to $2 million in emergency and non-emergency medical benefits
- For students from anywhere in the world not covered by a Canadian provincial or territorial health insurance plan and going to school in Canada
Frequently asked questions about travel insurance for students
Yes, coverage is available for three different scenarios:
- For Canadians studying in another province: Coverage applies anywhere in Canada for the duration of your plan.
- For Canadians studying abroad: Coverage applies anywhere outside Canada for the duration of your plan.
- For international students in Canada: Coverage applies anywhere in Canada and up to 15 days outside Canada, as long as travel doesn’t exceed 49% of the coverage period and starts/ends in Canada (excluding your home country).
Our travel insurance plans for students include a trip break benefit, which allows you to suspend your coverage without ending it if you visit home during your trip. Your coverage is immediately reinstated when you:
Leave home if you are a Canadian studying in another province or territory
Leave Canada if you are a Canadian studying abroad
Arrive in Canada if you are an international student in Canada
You must call 1-877-331-3134 or +1(519) 251-7401 to get approval from our Assistance Centre before you travel home. We do not refund your premiums for the days you are visiting home.
All our travel insurance plans for students have a $0 deductible.
Yes. International students in Canada are required to have health coverage for the duration of their stay.1
10-Day Free Look – If you notify us within 10 days of your purchase date, as indicated on your confirmation, that you are not completely satisfied with your policy, we will provide a full refund if you have not already departed on your trip and there is no claim in progress. Refunds are only available when Manulife receives your request for a refund before your departure date.
To be eligible for CoverMe® Student Travel Insurance, you must meet the following criteria:
- Be a full-time student with proof of enrolment in a recognized institution.
- Canadians studying in another province: Covered by a provincial/territorial health plan.
- Canadians studying abroad: Covered by a provincial/territorial health plan.
- International students in Canada: Not covered by a provincial/territorial health plan.
Additional conditions may apply based on age and travel specifics.
Student travel insurance typically does not cover:
- Pre-existing medical conditions that are not stable
- Travel against medical advice
- Injuries related to high-risk or extreme sports
- Non-emergency or elective treatments
- Losses related to alcohol or drug misuse
- Travel to restricted or unsafe destinations
Always review your policy wording to understand full exclusions before you travel.
Discover more
Making studying abroad an A+ experience for students
Five tips for students and parents. See tips
Build your own traveller’s first aid kit
What to include no matter where you go. Learn more
What is trip cancellation and interruption insurance?
We explain the difference between them and why you should consider it. Read more