BC

1-888-267-4461

Ontario

1-888-298-6526

BC

1-888-267-4461

Ontario

1-888-298-6526

Étudiants

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:

Important Note: the coverage is subject to change without notice. Please read the policy wording carefully.
PlanAllianz International Student InsuranceTuGo Student Travel Insurance
Sickness waiting48 hours waiting periodN/A
Coverage Limit$5,000,000$2,000,000
Accident Death and Dismemberment$15,000
Maximum $10,000
[Option] $25,000
Eligibility
  • Be a student enrolled in a school in Canada
  • Be 59 years and under
  • Not be insured or eligible for benefits under a Canadian government health insurance plan
  • Be in good health and know of no reason to seek medical consultation
  • Be a student enrolled in a school in Canada
  • Be 69 years and under
  • Be in good health and know of no reason to seek medical consultation
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:
  • Legal or common-law spouse
  • Parents (including step-parents and legal guardians)
  • Siblings and step-siblings
  • Unmarried dependent children*
* Up to 21 years or up to 59 years if they have a cognitive, developmental, or physical disability
Follow-up visitsCovered (*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 WorldwideCovered 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
  • Emergency medical treatment for sickness or injury whether in-patient or out-patient care
  • Services of physician, surgeon, anesthetist, registered graduate nurse
  • X-rays and laboratory services and rental of medical appliances
  • Emergency medical treatment for sickness or injury whether in-patient or out-patient care
  • Services of physician, surgeon, anesthetist, registered graduate nurse
  • X-rays and laboratory services and rental of medical appliances
  • Rental or purchase of essential medical appliances Up to $20,000 for private duty nursing
MaternityMaximum $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
  • Maximum $5,000 for accident
  • Maximum $600 for immediate relief of acute dental pain
  • Wisdom teeth up to $100 per tooth
  • Maximum $6,000 for accident
  • Maximum $600 for immediate relief of acute dental pain
  • Impacted wisdom teeth up to $150 per tooth
Family TransportationMaximum $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)
RepatriationMaximum $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 ServicesMaximum $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 AccidentN/A[Option] $100,000
Prescription drugsUp to 30 daysUp to 30 days
Emergency Air TransportationUp to coverage limit(*1)Up to coverage limit(*1)
Vaccination and tuberculosis testingN/AUp 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 testingN/AUp to $100

Available once during a 12 consecutive month period if the minimum term of Insurance purchased is 180 days.
Tutorial ServicesUp 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 TreatmentN/AUp to $250 per day to a maximum of 7 day(*1)
Annual physician visitup 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 ExaminationOne 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 AidsUp 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.

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