Travel Insurance for Students

Medical insurance coverage for those studying abroad or within Canada.

Scotia Travel Insurance includes these features

  • Get up to $2 million CDN per policy in emergency medical insurance.

  • Choose an individual or family plan

  • Get a quick quote in minutes

  • Buy online or by phone

Select the travel insurance plan that’s right for you

Outbound Students1
Coverage overview
If you get ill or injured while you’re away, this travel insurance can help pay for the cost of medical care.
Coverage features
  • Receive up to $2 million CDN per policy for Scotiabank customers in emergency medical insurance
  • Choose an individual plan or a family plan2
  • Get coverage for the whole time you’re studying outside Canada
  • Enjoy wellness benefits which include a yearly medical checkup and eye exam
To qualify for this coverage:
  • Canada must be your home country
  • You must be currently covered under your government health insurance plan
  • You must be under the age of 45
Inbound Students1
Coverage overview
Get the confidence of knowing that emergency medical care is covered if you’re temporarily living in Canada as an international student.
Coverage features
  • Receive with up to $2 million CDN per policy in emergency medical insurance
  • Choose an individual plan or family plan2
  • Enjoy wellness benefits which include a yearly medical checkup and eye exam
  • Plus, if you visit another country, your Scotia Travel Insurance can help cover you there as well3
To qualify for this coverage:
  • International full-time student and;
  • You’re under the age of 45; and
  • You may need medical care and want help covering the costs
National students1
Coverage overview

Staying in Canada but leaving your province or territory to study? Your current government health insurance plan may not cover the full cost of care while you’re away. That means if you get sick or hurt, you could get stuck paying part of the bill.

Our Canadian Travel Emergency Medical Single Trip Plan gives you all the coverage of our regular Emergency Medical Single Trip Plan at a 50% savings.

Every province has its own Government Health Insurance Plan (GHIP)4 which can have different maximum amounts payable for different medical services. So, if you need emergency medical attention while travelling out-of-province, you will personally have to pay any difference between what your province's GHIP covers and what the destination province charges.

You’ll find the Government of Canada’s recommendations on travel insurance here.

https://travel.gc.ca/travelling/documents/travel-insurance

Coverage features
  • Receive up to $2 million CDN per policy in emergency medical insurance
  • Choose an individual plan or family plan2
  • Have coverage for the full time you’re studying outside your province or territory – up to 365 days if you’re going to school full time
To qualify for this coverage:
  • Canada must be your home country
  • You must be currently covered under your government health insurance plan
  • You must be under the age of 45

Helpful resources and tools

Usually travel involves months of planning but sometimes it can be a spontaneous, last minute decision. Make sure you are prepared.

Plan a Trip

Frequently asked questions

If you already have coverage, simply call Customer Service. You may be able to extend your coverage, as long as:

a. your period of coverage does not extend beyond 365 days;

b. you remain eligible for insurance under this plan;

c. we have received the extension requests prior to the expiry date of your existing polcy issued by us; and

d. there has been no change between single or family coverage.

For policy extensions, no losses or expenses or benefits will be paid for any illness or injury which first appeared, whether diagnosed or not, or for which treatment may or may not have been received, prior to the effective date of the extension of coverage under this policy.  If you have a medical condition or pending claim, approval of the extension is subject to the approval.

As outlined under your plan, it is essential that you contact our Assistance Centre prior to receiving medical treatment. The Assistance Centre has existing relationships with certain medical providers all over the world to help ensure emergency situations are handled as smoothly as possible. Our Assistance Centre will communicate with your medical provider, arrange direct billing where possible and coordinate payment for the emergency service received.

Under this policy, the maximum number of coverage days is 365 days. Upon expiry of a policy that has been in effect for 365 days (366 days in a leap year), you may purchase another student policy for the following term if you are eligible for coverage.

The Assistance Centre will explain coverage, monitor care, pre-approve treatment and confirm enrolment to the service provider and explain the coverage to healthcare providers to help ensure that medical services are provided in accordance with the benefits of your policy.

Ready to apply

Travel Insurance for Students

Get a quote online with the convenient application process.

Phone

Call us toll-free
1-877-421-0157

Mon-Fri (8:00am-8:00pm EST)

For claims - phone

Call toll free
1-877-372-2989

Mon-Fri (8:00am-8:00pm EST)