International Student Insurance

Travel insurance is more than an administrative prerequisite for students doing a study tour or an internship outside their province. Similarly, travel insurance is essential for foreign students traveling to Canada to pursue their education. Insurance is the key to a successful traveling experience if anything should threaten to make your stay less enjoyable.

Insurance must be selected carefully to avoid any lapses in direct payment or reimbursement of travel-related medical expenses. Choosing a travel insurance plan can be tedious and may seem quite complicated. Since organizing a trip requires a great deal of planning, we have made researching and choosing the right travel insurance a quick and straightforward process.

This section explains travel insurance to help you find a plan tailored to your needs:


This section will respond to several questions.

It is easy to overlook the possible consequences of a medical emergency or accident abroad until it happens. Travel insurance provides the following benefits:

• Medical coverage prevents a minor, everyday accident from turning into a financial nightmare for relatives back home who have to deal with a stack of medical bills, in addition to being unable to visit the hospitalized student because of distance

• A telephone number for a support center immediately reassures students and their families. The support center agent will organize a medical assistance response abroad, navigate the local medical administration system, and contact the attending physician regardless of the language.

Student insurance means protection against a medical misfortune that could turn out to be expensive and stressful.

Student travel insurance should always include the following coverage.

  • Medical coverage in the event of an accident or illness:
    • Covering all emergency hospitalization-related expenses
    • Ensuring that the student is not required to pay for eligible treatment expenses
    • Covering the costs of the required medications and medical examinations
  • Medical assistance for emergency repatriation:
    • Through a medical network that can handle any emergency situation
    • With the experience to arrange the student’s early return in optimal conditions
    • With agents available to guide the student’s relatives through remote monitoring of his or her medical state.

A good insurance is defined by both qualitative and quantitative criteria.

Purchasing plane tickets with a credit card sometimes comes with an automatic access to repatriation assistance that covers a few medical expenses. However, before assuming that the credit card insurance coverage matches a plan offered by the travel agency or a student association, students studying abroad must be vigilant about the nature, amount, and conditions of the coverage.

Since the health risks and expenses associated with traveling abroad are quite real, the following criteria should be considered when selecting an insurance product:

  • A global coverage of at least one million dollars ($1 million)
  • Deductible-free hospitalization, medical consultation, and prescription drug coverage
  • Access to medical repatriation or emergency medical evacuation services including at least:
    • Any emergency dental expenses
    • In the case of death abroad, a minimum coverage of $15,000 for expenses related to returning the body

These are the five most costly types of expenses that arise when incidents occur abroad. The whole purpose of quality travel insurance is to be protected against these risks.

We have already investigated this issue. Alto Assurances’ student insurance policies are all built entirely based on the aforementioned quality criteria and coverage amounts.

However, we were not satisfied with the minimum. We have ensured that each travel insurance plan we present provides solutions in the event of lost or stolen luggage, multiple situations requiring trip cancelation or interruption, and acts of God requiring students to return home.

We have preselected insurance companies that meet our requirements for student travel insurance. We then requested that these companies adjust coverage levels to offer a variety of options while focusing on the quality of medical assistance services.

Please use the insurance comparator on the right to obtain an insurance quote, whether you are a Canadian student traveling abroad or a foreign student arriving in Canada. This comparison will steer you toward the best and most affordable solution to meet your needs.

Please feel free to contact one of our agents or to write us with the details of your specific situation. We will be delighted to help you navigate the possible options and confirm your travel insurance premium.

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Worldwide • 9:00 PM-5:00 PM Eastern time

If you subscribe to one of our insurance plans online or by telephone and later decide that it does not meet your needs, you have ten (10) business days to contact us and request a full reimbursement of your insurance premium without any penalty.

Accounts of student trips abroad can be found at both teaching institutions and on social media. The interest in international youth mobility is undeniable. University student exchanges are frequently described as enriching experiences that mark a turning point in students’ future career plans.

Some students choose to study abroad for several years in order to complete a full international program. Others take a sabbatical year during the course of their study program. The vast majority go abroad for a few months to do an internship, student exchange, semester, or term in a university or other educational institution. The decision to leave is a personal challenge and speaks to an openness to other cultures and perspectives.

Higher education institutions are constantly developing new opportunities to internationalize their students’ learning experience. Such trips are often included in study programs. Obtaining the proper medical insurance to study in Europe, Canada, Australia, or the United States ensures a successful trip.

It is common for travelling students to pay for medical consultations and prescription drugs out of pocket. Receipts must then be obtained and retained to later be sent to the insurance claims department. This process gets simpler every day as more and more insurers start accepting scanned receipts, online forms, and electronic claims. This trend has two major advantages: you are less likely to forget to send hard copies of documentation, and there is no need to wait until you return from a trip to begin most claim processes.