大学進学者向け留学保険プラン - フルタイム学生用

学生でいることは楽しいことですが、病気のときはもちろん、お金がないとき、特に病気のためにお金がないときは困りますよね。旅行保険会社の中には、留学生やカナダ人向けに特化した学生プランを提供しているところもありますので是非このページを参考にしてくださいね。

カナダに留学される方は、渡航前に医療保険に加入しておくことが賢明なプランニングです。何より大学生向けの特別プランがある会社もありますので是非そちらにも目を通していただければと思います。

例として、カナダに365日滞在するプランと、1年間の交換留学をする学生のための1年間学生プランを大まかに比較してみましょう。学校（大学、カレッジ、専門学校など）に、すでに用意されているプランがある可能性もあります。大学に確認をとって、学校で用意されているプランがあるのかどうか、あるのであればどんな項目が補償されるのか、入学前の渡航開始時期から保険は発行されるのか、など聞いてみるとよいでしょう。民間の保険会社への加入を検討する場合カナダの医療機関（病院、歯科医院、診療所など）は、カナダの保険会社との取引を好みますので、ほとんどの場合、カナダの保険会社のプランを利用した方が、請求手続きがスムーズに進むと思われます。

 

カナダビジター保険：26歳、365日、自己負担額$0：

最大150,000ドルの給付プランが1149.75ドルから。補償内容は会社によって異なります。例えば、最も高額な緊急医療プランには既往症の補償が含まれていることがありますが、そうでないものもあります。一般的に、これらのプランで提供される補償には、次のものが含まれる場合があります：偶発的な怪我や医療緊急事態に関する費用：入院、医療サービス、歯科、処方薬、救急車（時には、医療のために出身国に戻る航空輸送を含む）、死亡、家族からベッドサイドへ、自費診療、および/または事故死と四肢切断の保険があります。

留学生向け保険：26歳、365日、自己負担額$0：

【Manulife】: 最大$1 millionの給付 - ビジター保険*とほぼ同じ給付内容で、より包括的な歯科給付のみ、火葬費用、精神科・トラウマカウンセリングの追加、授業料の返還、事故死補償など、より高い給付が含まれています。

保険料は985.50ドルで、同社のカナダ訪問者向け保険より903.92ドル安い。

【Allianz】: 最大$2 millionの給付 — which includes approximately the same benefits as their visitors to Canada plan* only higher dental and return of remains/cremation benefits, and additional maternity and eye exam benefits.

Premium $485, $871 lower than their Visitors to Canada policy.
They also have an Enhanced plan for $807 that will increase maternity benefits, add psychologist and psychiatric care benefits, and allow some pre-existing conditions to be covered.

【TuGo】: $2 million maximum benefit — which includes approximately the same benefits as their visitors to Canada plan*, only higher and more inclusive dental, higher cremation/burial benefits, additional psychiatric and trauma counselling, annual medical exam, and accidental death and dismemberment coverage.

Premium $759.20, $1117.08 lower than their Visitors to Canada policy.
* 'approximately' is used in good faith, of course the policy wording may vary from plan to plan, read policy for details.

Clearly, international student plans provide higher coverage (not necessarily in every benefit category and exclusions may also vary from plan to plan), on average than visitors to Canada plans, for less than half the cost. Get a quote to see how a plan fits with your foreign study plans in Canada.

Canadian Students

For Canadian students travelling abroad (or out of their home province) to study, it's smart to have a basic level of travel health insurance to supplement any other available coverage. For all Canadians, purchasing a travel insurance policy from a Canadian provider requires that the insured person(s) is covered under their provincial health care provider. The alternative is to purchase an expatriate plan (for travel outside Canada) which offers less coverage at a higher monthly premium. Fortunately for Canadian students studying full-time, some travel insurance polices are specially designed and priced for students.  

Usually, the main concern with travelling outside the country is the high medical costs that can be incurred, when provincial health coverage is very limited for out of country expenses. For travel outside your home province, travel insurance is less of a priority, but many Canadians still choose to obtain travel insurance while in Canada because it helps protect against the inconvenient (and potentially expensive) gaps between provincial health providers and because travel insurance provides other valuable benefits that your provincial health provider will not such as:

  • emergency paramedical service including chiropractor, osteopath, physiotherapist, or podiatrist;
  • emergency dental treatment;
  • expenses to bring someone to your bedside;
  • expenses for meals, hotel, phone calls, taxi or incidental hospital expenses;
  • emergency evacuation, local & air ambulance and expenses to bring you home;
  • expenses to bring your vehicle home;
  • expenses for medical appliance rental;
  • expenses to bring your children or travel companion home;
  • expenses related to your death.

The specially designed student plans (for full-time students) supplement the above benefits (which also include emergency medical travel insurance) by adding coverage like 'return of tuition' or 'psychiatric & trauma counselling' and special allowances for returning home or travelling during semester breaks.

Of course, coverage varies between providers, so get a quote and read the policy details to determine which plan fits the best with your travel plans. If you have questions, please call us toll-free at 1-888-888-0150.  Canadian students can get a quote by entering “Canadian Travellers” and “Canadian Students” in the quote request form above (top left).