Summary

International students who come to Canada are not covered under a government health plan.

Canadian students studying abroad will not be covered adequately under their government health plan.

An international student medical policy will provide emergency medical coverage for both types of students for a few dollars a day. The policy has a coverage limit of $2,000,000.

Eligibility and Rates

INBOUND STUDENTS
(students studying in Canada)

Eligibility Requirements:

1. Applicant is 69 years of age and under at the time of application date of the policy.
2. Applicant must be a student enrolled in a school within Canada, or
3. Applicant must be an accompanying family member of the student residing in Canada.
4. Applicant must not be insured under a provincial or territorial government health care plan. If the applicant becomes eligible for and insured under the government health care plan of the province or territory in which they study, the insurance will then apply in excess of this provincial or territorial government health care plan.
    
5. Applicant must not be travelling against a physician's advice and have not been diagnosed with a terminal condition.

RATES
Age	Single Daily Rate
0 - 69 years	$2.08
Age	* Family Daily Rate
0 - 59 years	$2.08
	(per person in the family)

 

• Minimum - 10 days
• Maximum - 365 days ( or 366 days for leap years)

Minimum of 2 applicants required to be eligible for Family plan.

OUTBOUND STUDENTS
(students studying outside of Canada)

Eligibility Requirements:

1. Applicant must be 40 years and under at the time of application date of the policy.
2. Applicant must be a student enrolled in a school outside of Canada, or
3. Applicant must be an accompanying family member of the student studying abroad.
4. Applicant must be insured or eligible for benefits under the government health care plan of the province or territory in which they reside. If the applicant is not insured under the government health care plan in the province or territory in which they reside, the portion that would have been refunded by the provincial or territorial government health care plan is not a benefit of this insurance.
5. Applicant must not be travelling against a physician's advice and have not been diagnosed with a terminal condition.

RATES
Age	Single Daily Rate
0 - 40 years	$2.08
Age	* Family Daily Rate
0 - 40 years	$2.08
	(per person in the family)

• Minimum - 10 days
• Maximum - 365 days ( or 366 days for leap years)

Minimum of 2 applicants required to be eligible for Family plan.
 

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ACCIDENTAL DEATH AND DISMEMBERMENT INSURANCE

Optional Benefits:

Air Flight/Common Carrier Accident
Maximum sum insured - $10,000
24-Hour Accident
Maximum sum insured - $10,000

Option to increase limits:

Air Flight/Common Carrier Accident
Increase maximum sum insured - $100,000
24-Hour Accident
Increase maximum sum insured $25,000

Rate
$22 per person

Important: Optional coverage must be purchased prior to the effective date of the policy.

RATES ARE SUBJECT TO CHANGE WITHOUT NOTICE

 

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DEFINITIONS

FAMILY PLAN

Inbound Students
"Family" means a student aged 59 years and under plus their legal or common-law spouse, parent(s), step-parent(s), legal guardian(s), brother(s), sister(s), step-brother(s), step-sister(s) and unmarried dependent children of the student 25 years of age and under and who are living with the student while in Canada.

Outbound Students
"Family" means a student aged 40 years and under plus their legal or common-law spouse, parent(s), step-parent(s), legal guardian(s), brother(s), sister(s), step-brother(s), step-sister(s) and unmarried dependent children 25 year of age and under and who are living with the student while in country of study.

Note: "Family" also includes faculty, participants in educational/business/cultural exchanges and their family.

PRE-EXISTING CONDITION COVERAGE
Pre-existing conditions are covered providing they have remained stable in the 90 days prior to the effective date. This applies to both Inbound and Outbound Students.

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Features and Benefits

Benefits	Maximum Limit
Maximum liability	$2,000,000
Emergency medical treatment	Emergency medical treatment for sickness or injury whether in-patient or out-patient care. Services of physician, surgeon, anaesthetist, registered graduate nurse. Up to $15,000 for private duty nursing. X-rays and laboratory services. Rental of medical appliances.
Non-emergency medical treatment	Up to $3,000
Ambulance	Including mountain and sea rescue. Taxi expenses up to $125 in lieu of ambulance.
Prescription drugs	Limit of a 30-day supply, up to $10,000
Eye examination	One visit per 12 months period.
Annual physician visit	Up to $150 for one check-up or one consultation session and prescription of the "morning after pill" per 12 months period (if 365 days are purchased).
Emergency air transportation	Up to Policy Limit.
Maternity	Up to $25,000 if pregnancy commenced during period of coverage.
Dental	Up to $5,000 for accident. Up to $600 for dental pain. Up to $150 for impacted wisdom tooth.
Professional medical services	Up to $600 per practitioner for visits to licensed physiotherapist, chiropractor, chiropodist, osteopath, acupuncturist, speech therapist, naturopath, or podiatrist. Referral needed for acupuncturist and naturopath.
Psychological/Psychiatric	Up to $1,000 for visits to a physician, psychiatrist or psychologist. Up to $10,000 for hospitalization.
Repatriation	Up to $15,000 for repatriation. Up to $5,000 for burial/cremation at place of death (excluding cost of burial coffin or urn). Up to $5,000 for a family member to travel and identify your body and up to $1,500 for meals and accommodation.
Family transportation	Up to $5,000 for transportation costs and up to $1,500 for meals and accommodation in the event of your hospitalization.
Accidental Death and Dismemberment	$10,000 with option limits available: Air flight/common carrier - $100,000 24-hour Accident - $25,000.

Features	Details
Travel worldwide	Travel worldwide is valid as long as majority of time is spent in country of study. No coverage provided while in home country.
Pre-existing conditions	Covered if stable in the 90 days prior to the effective date.
Exclusions	Medical treatment or medical condition originating in your home country. Long term care or ongoing care. Refer to policy wording for complete list of all exclusions.
Refund	Full refund if prior to the effective date/if student visa is denied/if entry into country is denied/if non arrival to country of study. Partial refunds are also available - consult the policy wording for full details.
Claims procedure	Consult the claim guideline in your policy wording.

Paper Application

Fill out this form and email it to dan@pucherinsurance.com or Mail it to: 880 Regina Street, Unit #102 North Bay, Ontario P1B 2K6
Effective Date:
Expiry Date:
Family Plan:	Yes No
Beneficiary:
First Name:
Last Name:
Birth Date:
Address:
Phone Number:
Email Address:
Credit Card Information:	Card Type: VISAMasterCardAmex Card Number: Card Expiry Date: Cardholder's Name:

Policy