Students Frequently Asked Questions
If you are a Canadian student studying or doing an internship abroad, you cannot subscribe to an insurance policy once you have left your province of residence. If you are a foreign student and have already arrived in Canada, you can subscribe to emergency medical treatment insurance online as long as you indicate your home country, and not Canada, as your country of residence. There is a three-day (3-day) waiting period for illness-related medical emergencies. There is no waiting period in the event of an accident.
Yes, your international medical insurance can be extended as long as you meet the eligibility criteria. Please read the clauses in your insurance certificate and your insurance policy booklet. An extension must be requested at least two (2) business days prior to the expiration of your policy. Any extension is pending past claims and subject to the condition that the total length of the insurance period does not exceed three hundred and sixty-five (365) days.
You can request cancelation of your travel insurance prior to the date it comes into force. Should the request be made within ten (10) days of the travel insurance purchase, the cancellation will not be subject to a fee; cancelations after ten days are subject to varying fixed charges depending on the type of policy. If your travel insurance includes trip cancelation and interruption coverage, you must cancel within the legal ten-day (10-day) period. Beyond this period, your contract can no longer be canceled. Please refer to the clauses outlined in your insurance certificate and your insurance policy booklet for more information.
If you are a Canadian student and change the date of return to your province of residence to an earlier date, or if you are a foreign student and change the date of return to your country of origin to an earlier date, you may be eligible for a partial refund of your insurance premium. You will be required to certify in writing that you have no medical claims and are not holding any pending claims to be subsequently forwarded to the insurer. Canadian students must be back in their province of residence to request an early return; foreign students must be back in (their country of origin or the country where they hold citizenship) in order to request an early return. For more information about other contract-specific mandatory conditions, please refer to your insurance certificate or speak with an agent at our call center.
We must be notified of any travel date modifications either five (5) business days before the initial departure date, if the departure date is delayed, or five (5) business days before the new departure date, if the new departure date precedes the initial departure date. If this modification extends or shortens the duration of the stay, the insurance premium will be adjusted as a result and, if applicable, the amount corresponding to the number of days added to or deducted from the duration of the stay will be credited or charged to the credit card initially used to purchase the insurance. Should your insurance police already be in force when the date of return changes, please refer to the applicable conditions regarding shortened or extended stays.
For single travel insurance contracts, the length of the coverage period for which insurance can be purchased varies. In no event shall the maximum period exceed three hundred and sixty-five (365) consecutive days. To obtain coverage for a period exceeding one year, please contact the call center for advice on the insurance solution that meets your specific needs.
Your eligibility for student travel insurance is not status-related. However, some plans require students to be enrolled at an educational institution.
Insurance premium payments are usually made using a credit card. If necessary, any partial or full premium refunds will be processed exclusively with the credit card number used to purchase the original contract.
Whether you are a Canadian student studying outside your province of residence or a foreign student studying in Canada, it is imperative that you contact the support center at the number indicated on your travel insurance documents in the event of a medical emergency. Excepting an act of God, failure to call the support center before receiving treatments may reduce your insurance coverage and could lead to some dispensed medical treatments or services not being covered. If the nature of the emergency prevents you from communicating with the support center before receiving treatments, you must ask someone to call for you, or you must call as soon as it is medically possible to do so.
Our student-specific insurance solutions are based on common mandatory criteria set by most schools and universities. Alternate insurance policies with various coverage summaries may be offered for the same trip. You must carefully read the contents of each type of coverage to find a travel insurance solution that meets your institution’s requirements. Our call center agents are available to answer any questions.