Are you a student who will be studying outside of your province or country next semester? Did you know that your provincial health care plan offers limited coverage for emergency medical care outside of your province of residence?
A student travel insurance plan provides you with emergency medical coverage, including ambulance services, hospital room charges, treatment by a doctor, diagnostic testing, and in-hospital medicine. The plan is available to students age fifty-five (55) and younger, can cover multiple family members, and can be purchased for a term of four (4) to twelve (12) months, depending on the duration of your studies. The plan also provides you with coverage for trips you may take while studying abroad.
Are you on a University or College sports team? For an additional cost, the student travel insurance plan can also provide student athletes with coverage over and above their school’s medical coverage.
One of our great Insurer Partners, GMS (Group Medical Services), offers “StudentPlan” with the following benefits:
| Benefit | Detail |
|---|---|
| Hospitalization | Covers hospital room and board charges, up to semi-private, and charges for intensive and coronary care |
| Medical Services | Covers the cost of treatment by a physician or surgeon |
| Diagnostic Services | Covers the cost of x-rays and other diagnostic tests |
| Out-patient Treatment | Covers the cost of out-patient emergency room charges |
| Prescription Drugs | Covers the cost of prescription drugs and medication prescribed in an emergency situation up to $1,000 |
| Road Ambulance | Covers the cost for use of a licensed road ambulance in an emergency situation |
| Air Ambulance | Covers the cost for the use an air ambulance or regularly scheduled airline to transport you back to your province of residence |
| Special Attendant | Reimbursement of the cost of one, return-trip airfare for a medical attendant to accompany you back to your province of residence |
| Return of Family Member | Reimbursement of the cost of one, return-trip airfare for a medical attendant to accompany you back to your province of residence |
| Paramedical Services | Covers the cost for the use of an osteopath, physiotherapist, chiropractor, chiropodist, and/or podiatrist |
| Health Practitioners | Covers the cost for the services of a registered mental health professional ($300 maximum per person per year) |
| Accidental Dental | Covers the cost of repair or replacement of natural teeth or the relief of dental pain |
| Return of Remains | Covers the cost of preparation and transportation to the country of origin, or the cost of cremation or burial at the place of death |
| Family to Bedside | Reimbursement for the cost of one airfare for a family member to accompany you at your bedside |
| Coverage Continuation | If hospitalized and your plan expires, your coverage continues until seventy-two (72) hours after discharge from hospital |
| Out-of-Pocket Expenses | Covers accommodations, meals, phone calls and taxi or bus fares incurred by an accompanying family member in the event hospitalization continues after the policy expiry date. |
| 24-Hour Travel Assistance Services | Wherever you are, our travel assistance firm will verify your coverage and make hospital and emergency arrangements for you. |
| Sports Participation (extra coverage for Student Athletes) | Choose this for students playing official university sports teams; it includes coverage for medical expenses that are a result of participation in their sport. GMS will pay reasonable and customary charges in excess of coverage from other insurance plans for eligible expenses that result from an accidental injury while playing a sport on a scholarship or waiver of entrance fees. |
The StudentPlan rates start as low as $50.00 per month for an individual under age thirty-five (35) and provide emergency medical coverage up to $2,000,000.
If you are looking for a quote on a student travel insurance plan for yourself or a family member, please contact us today to speak to one of our knowledgeable Insurance Brokers.
Thank you!
The Costen Insurance Team
