StudyInsured

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

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

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.

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%.