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      Study Insured

      StudyInsured offers international student health insurance policies for those studying in Canada.

      study insuredIn this article

      StudyInsured: Overview

      StudyInsured is built specifically for international students in Canada.

      That focus shows in the details:

      • Coverage includes things like mental health support, sexual health consultations, and even annual medical and eye exams with long-term coverage.
      • Students get 24/7 multilingual assistance
      • Access to a global network of over 1.3 million healthcare providers, and direct billing with many clinics, so they don’t have to pay upfront.
      • Plus, it allows students to travel outside Canada during the coverage period, as long as at least 51% of the time is spent in Canada. Coverage includes short trips to other countries, and even up to 30 days per visit in the United States. This kind of flexibility is rare among student health insurance plans and is especially helpful during school breaks or holidays.

      In short, it’s comprehensive, student-focused, and easy to manage for both students and schools.

      What Products Are Available on Edvisor?

      StudyInsured currently offers two main insurance products through Edvisor:

      1. Essential Plan

      2. Study Canada Plan

      These products are specifically designed for international students, their families, and accompanying personnel, such as teachers or chaperones. Both plans are underwritten by Lloyd’s Underwriters and administered by StudyInsured (MSH International Canada Ltd.).

       

       

      To be eligible for a StudyInsured plan, the student must:

      • Be an international student, someone who normally lives outside of Canada.

      • Apply from anywhere, even if the students are already in Canada.

      • Be enrolled in a Canadian school, or have an upcoming start date.


      Policies and Their Conditions

      1. Essential Plan


      Who it’s for:

      • International students under 65 years old

      • Accompanying spouses, children, teachers, or chaperones


      Coverage Amount:

      • Up to $5,000,000 CAD per insured person (or $25,000 for infants under 6 months)

      Key Benefits:

      • Emergency medical treatment (inpatient and outpatient)
      • Physician, surgeon, anesthetist, and nurse services

      • Diagnostic testing and lab services

      • Rental of medical appliances

      • Prescription drugs: up to $500 (60-day supply)

      • Dental emergencies: up to $4,000 for accidents, $500 for pain relief, $100 per wisdom tooth

      • Psychiatric care: $500 outpatient, $10,000 hospitalization

      • Sexual health consultation: up to $150 (if 6+ months of coverage)

      • 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: up to $5,000 for travel + $1,500 for 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 for burial in place of death)

      • Accidental death & dismemberment: $100,000 (common carrier), $50,000 (24hr accident)

      Extra Notes:

      • Pre-existing conditions are covered if stable 90 days before policy start

      • No deductible

      • Travel outside Canada allowed (majority of coverage period must be in Canada; US limited to 30 days; home country excluded unless part of a school-sponsored event)

      • Pre-approval is required for surgeries, major testing, or treatment abroad

      2. Study Canada Plan

      Who it’s for:

      • International students under 70 years old

      • Accompanying family members, teachers, or chaperones

      Coverage Amount:

      • Up to $1,000,000 CAD per insured person


      Key Benefits:

      • Emergency medical treatment (in-patient and outpatient)

      • Physician, surgeon, anesthetist, and nurse services

      • Diagnostic testing and lab services

      • Rental of medical appliances

      • Prescription drugs: up to $500 (90-day supply)

      • Dental emergencies: up to $4,000 for accidents, $500 for pain relief

      • Paramedical services: $500 per profession

      • Private duty nurse or home care: up to $5,000

      • Family transportation: $1,500 for 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 for 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)

      Extra Notes:

      • Pre-existing conditions are covered if stable 90 days before coverage start

      • No deductible

      • Same travel rules as Essential Plan (Canada majority, US 30 days, home country excluded unless school-sponsored)

      • Pre-approval is required for surgeries, major testing, or treatment abroad

       

      Emergency Assistance

      In case of an emergency, students or someone acting on their behalf must contact StudyInsured Assistance within 48 hours:

      • Toll-Free (Canada/US): 1-866-883-9787

      • International (Collect): 1-416-640-7865

      💡 Important:

      In the event of a medical emergency requiring hospitalization, surgery, major diagnostic testing, or any treatment outside Canada, StudyInsured™ Assistance must be contacted within 48 hours.

      Failure to do so may result in the claim being denied or only partially covered (typically reimbursed at 80% instead of 100%). 

       

      How to Make a Claim

      Students can submit and manage their insurance claims online through the Student Portal. From the portal, they can:

      • Submit new claims

      • Track the status of existing claims

      • Review their full claims history

      The portal is also accessible via the Edvisor-specific page.

      If preferred, students can submit documents or ask questions via email at studentclaims@studyinsured.com.


      For claim-related assistance, they may also call 1-866-883-9485.

      💡 Important:
      If the treatment involves surgery, major diagnostic testing, or takes place outside Canada, pre-approval is required.


      Without pre-approval, the claim may only be reimbursed up to 80% instead of the full amount.

       

       

      For full policy documents and updates, please refer to the insurance provider’s official documentation