Bridges International Insurance Services offers two types of International Student Insurance for those who are attending Canadian schools, colleges and universities. The coverage limits are both $2,000,000. Tugo has direct billing clinics. Allianz has lesser and higher coverage. These plans could be eligible for exemption of UHIP (University Health Insurance Plan) in Ontario. Tugo’s head office is located in Richmond(a part of Metro Vancouver), BC and Allianz Global Assistance is located in Toronto, Ontario.
Without International Student Insurance, you may not be allowed to enrol courses at a designated learning institution. Sickness or accidental injury can happen at any time, you need to get covered.
TuGo Student Travel Insurance
Tugo formerly Travel Underwriters have contracts with direct billing clinics where you do not have pay emergency medical fees provided the medical charge is covered according to the policy wording.
Allianz International Student Insurance
Allianz International Student Insurance is affordable yet comprehensive. Students in Toronto area would be handy.
Here is a comparison chart:
Plan | Allianz International Student Insurance | TuGo Student Travel Insurance |
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Sickness waiting | 48 hours waiting period | N/A |
Coverage Limit | $5,000,000 | $2,000,000 |
Accident Death and Dismemberment | $15,000 | Maximum $10,000 [Option] $25,000 |
Eligibility |
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Eligibility (Family member) | Be a dependent child or the spouse of an eligible insured student Spouse: less than 60 years of age Children: living with the student who is at least 15 days old and no more than 21 years old. | Be a family member of an eligible student who is living with the student. At least 15 days old and no more than 60 years old Be in good health and know of no reason to seek medical consultation Eligible family members include:
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Follow-up visits | Covered (*1) | Up to five follow-up visits within the 14 days after the initial emergency treatment, provided the follow-up visits are required as a direct result of the initial emergency. |
Travel Worldwide | Covered as long as majority of time is spent in country of study. (No coverage provided while in home country. Trips to the U.S. are limited to 30 days per period of coverage. ) | Coverage provided your intention is to spend the majority of your time in Canada. (No coverage provided while in your home country) |
Emergency Medical Treatment |
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Maternity | Maximum $1,000 per 12-month period The expected delivery date must be more than 10 months after the effective date *Please refer to the policy wordings for conditions | Maximum $25,000 Pregnancy has to commence after effective date of coverage. *Please refer to the policy wordings for conditions |
Dental |
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Family Transportation | Maximum $5,000 for transportation costs of a family member/friend Maximum $1,500 for meals and accommodation (*1) | Maximum $5,000 for transportation costs of a family member/friend Maximum $2,000 for meals and accommodation (*1) |
Repatriation | Maximum $15,000 $5,000 for burial/cremation at place of death | Maximum $25,000 $15,000 for burial/cremation at place of death |
Professional Medical Services | Maximum $600 per practitioner per 12-month period (Referral needed) | Up to a maximum of $1,000 per incident, per practitioner. (As a result of an emergency) |
Air Accident | N/A | [Option] $100,000 |
Prescription drugs | Up to 30 days | Up to 30 days |
Emergency Air Transportation | Up to coverage limit(*1) | Up to coverage limit(*1) |
Vaccination and tuberculosis testing | N/A | Up to $150 for: • Vaccinations of any kind • Tuberculosis testing* Available once during a 12 consecutive month period if the minimum term of Insurance purchased is 180 days. *Coverage for tuberculosis testing is not available if the testing is mandated by the school board or school |
Sexually transmitted infection testing | N/A | Up to $100 Available once during a 12 consecutive month period if the minimum term of Insurance purchased is 180 days. |
Tutorial Services | Up to $20/hour to a maximum of $500 for a qualified private tutorial service in the event you are hospitalized for 30 consecutive days or more. | Up to $20/hour to a maximum of $400 for a qualified private tutorial service in the event you are hospitalized for 30 consecutive days or more. |
Rehabilitation Treatment | N/A | Up to $250 per day to a maximum of 7 day(*1) |
Annual physician visit | up to $250 for one routine examination by a physician, including any related tests and laboratory fees. Available once during a 12 consecutive month period if the minimum term of Insurance purchased is a year. | Up to $150 for one general check-up or one immigration medical examination in lieu Available once during a 12 consecutive month period if the minimum term of Insurance purchased is 180 days. |
Eye Examination | One visit to an optometrist for a general eye examination Available once during a 12 consecutive month period if the minimum term of Insurance purchased is a year. | One visit to an optometrist or ophthalmologist for a general eye examination Available once during a 12 consecutive month period if the minimum term of Insurance purchased is 180 days. |
Prescription Glasses/Contact Lenses/Hearing Aids | Up to $200 (As a result of an accident or injury) |
(*1)Subject to pre-approval be the insurance administrator
Affiliate plans are available for Schools and Student Placement Centres.