CoverMe Travel insurance for Students is for full-time students under the
age of 55 who are:

• international students studying in Canada;
• Canadian students studying abroad; or
• Canadian students studying in Canada but outside their principle province of residence;
• the dependant(s) and/or the spouse of, and residing with, a student covered under this insurance and named on the application.

Note: To be eligible, any Canadian student must be covered under a Canadian provincial or territorial government health insurance plan to apply. It is your responsibility to ensure continued coverage under the government health insurance plan of your province/territory of permanent residence.

Which kinds of students are eligible?

To be eligible for CoverMe Travel insurance for Students, you must be:

• a full-time student with proof of admission or enrolment in a recognized institute of learning; or
• a student completing post-doctoral research in a recognized institute of learning.

Further requirements

You must also meet some basic medical requirements. You are eligible for this policy if:

• You are not travelling contrary to medical advice;
• You do not require kidney dialysis;
• You have not used home oxygen anytime during the twelve (12) months prior to the date of application;
• You have not been diagnosed with a terminal illness with less than two (2) years to live.

Please note that anyone you wish to include under Family Coverage must also meet these eligibility requirements.

Coverage between semesters

If you stay at your destination between semesters, you can re-apply for coverage as long as you have proof of enrollment in the following semester.

You can save on student travel insurance with:

• Family Coverage: This is available for your dependents or spouse living with you, where all applicants must be under the age of 55.
• Savings for Canadian students studying in another province or territory in Canada: Enjoy premiums that are 50% less than the rate for a Single Applicant

Premiums

CoverMe Travel insurance for Students premiums are easy to plan for. Following are our rates and some guidelines to consider:

• Premium rate is $1.88 CDN per person for each day of coverage.
• Family Coverage rates are 2x the premium rate for the Single Applicant.
• Rates are subject to change without notice.
• Coverage must not exceed 365 days.
• Number of coverage days must include:
  1. The date of departure;
  2. The date of return; and
  3. The number of days in between.
• Coverage will not take effect if the applicant's method of payment is not honoured when presented for payment

• Coverage At A Glance

1. the date shown as effective date on your confirmation; or
2. for an inbound trip, the date and time of your arrival in Canada; for an outbound trip, the date and time you leave Canada; or for a national student, the date and time you leave your home.

A waiting period will apply if you purchase this coverage after you begin school.

Waiting period means:

1. the 48-hour period following your effective date of insurance if you purchase this insurance within 30 days after you begin school;
2. the 8-day period following your effective date of insurance if you purchase this insurance more than 30 days after you begin school.

A waiting period is applicable to all claims if you purchased insurance after your arrival at your destination.

The waiting period will be waived:

• in the case of injury; or
• if you purchased this policy more than 8 days prior to the expiry date of an existing CoverMe Travel insurance for Students policy already issued by us, to take effect on the day following such expiry date.

YOUR COVERAGE ENDS ON the earliest of:

1. the expiry date shown on your confirmation; or
2. the date your enrolment as a student at a recognized educational institute terminates; or
3. if you have purchased this coverage for an inbound trip, the date you become insured under a government health insurance plan; or
4. if you are a Canadian, the date you are no longer covered by a government health insurance plan; or
5. sixteen (16) days from the date you leave Canada to visit another country (except your home country) if you have purchased this coverage for an inbound trip (Coverage may be reinstated on the date you return to Canada with the approval of our Assistance Centre and if you can provide a statement of good health.); or
6. the date you cease to be a spouse or dependant as defined in this policy; or
7. 365 days after the effective date of your policy.

Refunds

• You may cancel this insurance at any time before your effective date.
• If you return home early, you can apply for a refund of the premiums for the unused coverage providing there has been no incident which has resulted, or will result in a claim or claim started against the policy and that you have mailed your written refund request within 5 days of your departure from Canada (within 5 days of your return home, for Canadians).
• All travellers insured under the same policy must return together for a refund to be possible.

Extensions

If you already have coverage, simply call the Assistance Centre. You may be able to extend your coverage as long as:

1. Your period of coverage does not extend beyond 365 days;
2. You remain eligible for insurance under this plan;
3. We have received the extension requests prior to the expiry date of your existing policy issued by us; and
4. There has been no change between single or family coverage.

Note: For policy extensions, no losses or expenses or benefits will be paid for any illness or injury which first appeared, whether diagnosed or not, or for which treatment may or may not have been received prior to the effective date of the extension of coverage under this policy.