Silver International Student Insurance

This plan provides essential medical and health insurance for students from abroad studying full-time in Canada for only $470 a year or $1.45 a day. This plan is underwritten by Royal & Sun Alliance.

Overall coverage limit: $2 million lifetime maximum.

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• Policy Wording
• Policy Wording - French
• Application Form

Basic Medical Benefits

• Hospital benefits; up to overall coverage limit
• Medical, surgical and diagnostic benefits; up to overall coverage limit (except limit of $10,000 on private duty nursing)
• Emergency Transportation: up to overall limit to services of a ground ambulance; or taxi fare to and from a hospital or medical clinic up to a maximum of $100 per year
• Emergency air ambulance transportation when approved in advance by the insurer; up to overall coverage limit

Extended Medical Benefits

• One general check-up and one consultation for the prescription of the “morning after pill’ in a 12 month period; limit of $150 (180 days coverage must be purchased)
• Prescription drugs when prescribed for an emergency; to a limit of a 30-day supply
• Specialists (speech therapist, physiotherapist, chiropractor, chiropodist, osteopath, naturopath, acupuncturist or podiatrist) when deemed essential by the attending physician; to a maximum of $500 per policy per practitioner
• Psychiatric treatment on an emergency basis; limit of $10,000 inpatient or $1,000 outpatient
• Trauma counseling within 90 days following a covered loss; limit of six counseling sessions
• Psychologist; up to $500 for outpatient consultations
• One eye examination by an optometrist or ophthalmologist to determine whether to purchase or replace eyeglasses or contact lenses. (180 days coverage must be purchased)
• Maternity coverage: up to $1,000 for emergency or non-emergency treatment; excludes childbirth and voluntary termination. Pregnancy must commence after the effective date and no benefits are payable within nine weeks of the expected delivery date.
• Accidental dental treatment; up to $4,000
• Emergency non-accidental dental treatment; up to $600 (180 days coverage must be purchased)
• Extraction of impacted wisdom teeth; up to $100 per tooth

Transportation, Death & Other Benefits

• Family transportation to the insured’s bedside when deemed necessary by the attending physician; limit of $5,000
• Early return to country of origin when deemed necessary by the attending physician; limit of $5,000
• Repatriation of remains; limit of $10,000
• Accidental death & dismemberment insurance; limit of $15,000
• Air Flight/Common Carrier accident insurance; limit of $100,000

Note: this is a summary only; the formal policy wording provided to each student is the only legally binding description of the coverage. Please see your policy wording for a full list of limitations and exclusions.

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*Terms, conditions, limitations and exclusions apply