Travel Insurance for Students

Medical insurance coverage for those studying abroad or within Canada.

Get up to $2 million CDN per certificate 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 Students
Inbound Students
National students

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 certificate 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 certificate 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 certificate 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

Travel Documentation

Before you embark on a vacation, business trip, or day's adventure across the border, be sure you are prepared with the proper documentation.

Packing for Your Vacation

Once you have chosen your destination, the next question is "what should I pack?"

Lost, Stolen or Damaged Baggage

While travelling, your baggage contains everything you need. Naturally, if your bag is missing, stolen or damaged, it can cause you serious distress.

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 certificate issued by us; and

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

For certificate 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 certificate. 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.

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)

Legal footnotes

Scotia Travel Insurance, distributed by the BNS Insurance Agency Inc., is underwritten by The Manufacturers Life Insurance Company (Manulife) and First North American Insurance Company, a wholly owned subsidiary of Manulife. Manulife, P.O. Box 670, Stn. Waterloo, Waterloo, ON N2J 4B8.

®

Registered trademark of The Bank of Nova Scotia, used under license. ScotiaLife Financial is the brand name for the Canadian insurance business of The Bank of Nova Scotia and certain of its Canadian subsidiaries.

1

Conditions, limitations and exclusions apply.

2

To be eligible for family coverage, all insured people, including dependents, must be age 45 and under, and a minimum of thirty (30) days of age. A Dependent means your unmarried child living with you who is at least 30 days of age and under twenty-one (21) years of age and who is dependent upon you for at least fifty percent (50%) of his/her maintenance and support, and who is residing with you on your trip.

3

For inbound students, up to 15 consecutive days so long as travel originates and terminates in Canada and excludes your home country. Must not exceed 49% of your period of coverage.

4

Every province has its own Government Health Insurance Plan (GHIP) 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. Please refer to the Government of Canada website for their recommendation on this matter: https://travel.gc.ca/travelling/documents/travel-insurance.

To learn more about Manulife, visit www.manulife.ca or call 1-888-220-5212.

Travel Insurance for Students

Scotia Travel Insurance includes these features

Select the travel insurance plan that’s right for you

Helpful resources and tools

Frequently asked questions

Can coverage be extended during my time abroad?

Hospital and medical bills can easily run into thousands of dollars. Would I need to pay up front if I had an accident while travelling?

What is the maximum number of coverage days under this certificate?

Why do I have to call the Assistance Centre prior to receiving any medical treatment?

Ready to apply

Travel Insurance for Students

Phone

For claims - phone