StudyInsured
Last updated: October 27, 2026
StudyInsured is a Canadian-specific student insurance provider, underwritten by Lloyd's Underwriters. Two policies on Edvisor: Essential Plan and Study Canada Plan. Worldwide recruitment for Canada-bound students.
StudyInsured is a Canadian student insurance provider, designed specifically for international students studying in Canada.
Underwritten by Lloyd's Underwriters and administered by StudyInsured (MSH International Canada Ltd).
Available on Edvisor
Recruitment markets: Worldwide.
Destination market: Canada only.
Two policies: Essential Plan and Study Canada Plan.
Differentiators
Mental health support, sexual health consultations, annual medical and eye exams.
24/7 multilingual assistance.
Global network of 1.3M+ healthcare providers.
Direct billing with many clinics (no upfront payment).
Travel allowed outside Canada during coverage (51% of time in Canada minimum, US up to 30 days/visit).
Eligibility
Student must be:
An international student normally living outside Canada.
Applying from anywhere (even if already in Canada).
Enrolled at a Canadian school, or have an upcoming start date.
Plans and coverage
Essential Plan
StudyInsured's premium plan, with the highest coverage amounts.
Eligibility
International students under 65 years old.
Accompanying spouses, children, teachers, chaperones.
Coverage amount
Up to $5,000,000 CAD per insured person (or $25,000 for infants under 6 months). No deductible.
Key benefits
Benefit | Coverage |
|---|---|
Emergency medical (in/outpatient) | Included |
Physician, surgeon, anesthetist, nurse | Included |
Diagnostic testing and lab | Included |
Medical appliance rental | Included |
Prescription drugs | Up to $500 (60-day supply) |
Dental emergencies | Up to $4,000 (accidents), $500 (pain relief), $100 per wisdom tooth |
Psychiatric care | $500 outpatient, $10,000 hospitalization |
Paramedical services | $500 per approved profession |
Private duty nurse | Up to $15,000 (includes home care) |
Follow-up care | Up to $500 |
Maternity care | Up to $5,000 (if pregnancy starts during coverage) |
Family transportation | $5,000 travel + $1,500 living expenses (2 people) |
Emergency air transport | Up to $300,000 |
Ground ambulance/taxi | Covered (taxi up to $125) |
Repatriation of remains | Up to $15,000 (or $5,000 burial in place of death) |
Accidental death/dismemberment | $100,000 (common carrier), $50,000 (24hr accident) |
Travel rules
Pre-existing conditions covered if stable 90 days before policy start.
Travel allowed: majority of coverage period in Canada, US up to 30 days/visit.
Home country excluded unless part of school-sponsored event.
Pre-approval required for surgeries, major testing, or treatment abroad.
Study Canada Plan
StudyInsured's standard plan with broad coverage at a lower premium than Essential.
Eligibility
International students under 70 years old.
Accompanying family members, teachers, chaperones.
Coverage amount
Up to $1,000,000 CAD per insured person. No deductible.
Key benefits
Benefit | Coverage |
|---|---|
Emergency medical (in/outpatient) | Included |
Physician, surgeon, anesthetist, nurse | Included |
Diagnostic testing and lab | Included |
Medical appliance rental | Included |
Prescription drugs | Up to $500 (90-day supply) |
Dental emergencies | Up to $4,000 (accidents), $500 (pain relief) |
Paramedical services | $500 per profession |
Private duty nurse / home care | Up to $5,000 |
Family transportation | $1,500 (one person, if hospitalized 7+ days) |
Emergency air transport | Up to $250,000 |
Ground ambulance/taxi | Up to $1,000 per emergency |
Repatriation of remains | Up to $10,000 (or $5,000 burial in place of death) |
Accidental death/dismemberment | $100,000 (common carrier), $15,000 (24hr accident) |
Annual medical exam | $150 (requires 9+ months of coverage) |
Eye exam | $100 (requires 6+ months of coverage) |
Travel rules
Same as Essential Plan:
Pre-existing covered if stable 90 days before coverage start.
Canada majority, US 30 days, home country excluded unless school-sponsored.
Pre-approval required for surgeries, major testing, treatment abroad.
Emergency assistance and claims
Process for emergencies and claims under any StudyInsured policy.
Emergency assistance
Students (or someone acting on their behalf) must contact StudyInsured Assistance within 48 hours of any emergency.
Region | Phone |
|---|---|
Canada/US toll-free | 1-866-883-9787 |
International collect | 1-416-640-7865 |
Important: For medical emergencies requiring hospitalization, surgery, major diagnostic testing, or treatment outside Canada — contact within 48 hours. Failure to do so may result in claim denial or partial coverage (typically reimbursed at 80% instead of 100%).
How to make a claim
Claims are submitted through the Student Portal:
Submit new claims.
Track claim status.
Review full claims history.
Alternative submission: studentclaims@studyinsured.com or 1-866-883-9485.
Pre-approval requirement
If treatment involves surgery, major diagnostic testing, or takes place outside Canada, pre-approval is required. Without pre-approval, claims may be reimbursed at only 80% instead of 100%.