Stay protected in the event of a medical emergency while studying away from home
If you are a Canadian studying abroad or in another Canadian province/territory, or if you are a non-Canadian studying in Canada, Manulife Financial Travel Insurance for Students is your way to get coverage for up to $1 million in benefits if a medical emergency strikes unexpectedly.
Manulife Financial Travel Insurance for Students also offers a reimbursement of your tuition costs, (up to $5,000 per semester), if you cannot complete your studies due to an unexpected medical emergency. Also included is coverage for non-emergency costs, for annual medical exams, eye examinations and pregnancy.
But your protection doesn’t stop there! Your coverage also includes Accidental Death and Dismemberment benefits of up to $10,000 at no additional cost.
You can also purchase coverage for your eligible spouse and dependant children who are living with you.
- A Canadian who is covered under a Canadian provincial/territorial government health insurance plan1 and who is temporarily living outside Canada as a full-time student or as a spouse or dependant of a full-time student is eligible to apply for coverage as an Outbound Student.
- A Canadian who is covered under a Canadian provincial/territorial government health insurance plan1 and who is temporarily living in a Canadian province/territory other than their home province/territory as a full-time student or as a spouse or dependant of a full-time student is eligible to apply for coverage as a National Student.
- A non-Canadian who is temporarily living in Canada as a full-time student or as a spouse or dependant of a full-time student is eligible to apply for coverage as an Inbound Student.
It’s your responsibility to ensure continued coverage, where applicable, under the provincial/territorial government health insurance plan of the province/territory where you permanently reside.
All applicants must be under the age of 55.
Post-doctoral research students are considered full-time students.
Full-time students enrolled in a recognized institute of learning can apply for coverage any time to be effective within 30 days prior to commencing a semester.
A student card with student number and enrollment dates or an enrollment invoice is also required as proof of enrollment with any claim submission.
A person is NOT eligible for coverage if he/she answers “Yes” to ANY of the following questions:
- Has a physician advised you against travel?
- Do you require kidney dialysis?
- Have you have used home oxygen at any time during the 12 months prior to the date of application?
- Have you have been diagnosed with a terminal illness with less than two years to live?
24/7 Worldwide Assistance
Your Manulife Financial Travel Insurance for Students plan includes a comprehensive assistance service available 24 hours a day, 7 days a week.
Our Assistance Centre is always just a phone call away, ready to provide you with the professional help you may need, anywhere in the world, in the event of a medical emergency.
Limitations and Exclusions
No benefits will be paid for any4:
- Pre-existing condition which has not remained stable in the 3 months prior to the effective date of your coverage.
- Injury or illness which began in your home country during a Trip Break.
- Injury or illness, which began outside of Canada when more than 15 consecutive days were spent outside of Canada (not applicable to Outbound Students).
When Coverage Begins
Coverage starts on the latest of:
- The effective date as shown on your application
- The beginning of the trip, which is:
- for an Inbound Student, the date and time of arrival in Canada
- for an Outbound Student, the date and time of departure from Canada
- for a National Student, the date and time of departure from the province/territory of residence
- The date we receive the correct premium
Download the Student Travel Insurance Brochure.