Health coverage for international students in Canada

You are not eligible for this insurance if any of the following apply to you or anyone you want to cover:

• Travelling against the advice of a physician
• Have been diagnosed with a terminal illness with less than 2 years to live
• Require kidney dialysis
• Used home oxygen in the 12 months before you applied for this insurance

You may buy this insurance if you:

• Are temporarily living in Canada, but Canada is not your home country
• Are a full-time student or a student completing post-doctoral research or are the spouse and/or child of the student

Note: A waiting period applies if you purchase this insurance after you arrive at your destination.

• Pre-existing medical conditions that have not remained stable in the 3 months before the effective date

• Any medical condition related to a birth defect if the insured child is under age 2

• If you get coverage after you leave home, there is a 48-hour waiting period except if you are accidentally injured or if you are extending an existing Travel Insurance for Students policy from Manulife

Pre-existing medical condition means any medical condition that existed before your effective date.

A medical condition is considered stable when all of the following statements are true:

• There has not been any new treatment prescribed or recommended, or change(s) to existing treatment (including a stoppage in treatment), and

• There has not been any change in medication, or any recommendation or starting of a new prescription drug, and

• The medical condition has not become worse, and

• There has not been any new, more frequent or more severe symptoms, and

• There has been no hospitalization or referral to a specialist, and

• There have not been any tests, investigation or treatment recommended, but not yet complete, nor any outstanding test results, and

• There is no planned or pending treatment.

All of the above conditions must be met for a medical condition to be considered stable.

Change in medication means the medication type, dosage, or frequency is reduced, increased, stopped, and/or new medications are prescribed. 

Exceptions: 

• Regular blood tests that result in routine adjustments of Coumadin, warfarin, or insulin as long as these medications are not newly prescribed or stopped; or,

• Changing from a brand name medication to the same dose of a generic medication.

Other conditions, limitations and exclusions apply.

Please see the policy for details.