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 |
|---|---|---|
| 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 | Be a student, dependent child or the spouse of an eligible student. | Be a student enrolled in a school within inside/outside Canada Be a dependent child or the spouse of an eligible student. |
| Follow-up visits | Covered （＊１) | Maximum $3,000 |
| 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. ) | Covered as long as majority of time is spent in country of study. (No coverage provided while in 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 |
| Eligibility | In good health and know of no reason to seek medical consultation | In good health and know of no reason to seek medical consultation Must not have seen a physician or other registered medical practitioner since their arrival. |
| Maternity | Maximum $1,000. 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, excluding childbirth cost. 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 | Maximum $5,000 for accident Maximum $600 for immediate relief of acute dental pain |
| Family Transportation | Maximum $5,000 for transportation costs of one family member Maximum $1,500 for meals and accommodation （＊１） | Maximum $5,000 for transportation costs of one family member Maximum $1,500 for meals and accommodation （＊１） |
| Repatriation | Maximum $15,000 $5,000 for burial/cremation at place of death | Maximum $25,000 $5,000 for burial/cremation at place of death |
| Professional Medical Services | Maximum $600 for visits to licensed professional service providers. (Referral needed) | Maximum $600 for visits to licensed professional service providers. (Referral needed) |
| Air Accident | N/A | [Option] $100,000 |
| Prescription drugs | Up to 30 days | Up to 30 days or $10,000 |
| Emergency Air Transportation | Up to coverage limit（＊１) | Up to coverage limit（＊１） |
（＊１）Subject to pre-approval be the insurance administrator
Affiliate plans are available for Schools and Student Placement Centres.
