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Travel insurance for Canadian students studying in the US

Travel insurance for Canadian students studying in the US

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May 08, 2024 (UTC +04:00)

Should you choose travel insurance for Canadian students studying in the US? If you're uncertain, let's explore the differences between travel insurance, travel medical insurance, and international health insurance. Then, let's delve into some plans offered by us - Travelner Insurance - and determine which one would be the most suitable option.

How to choose travel insurance for Canadian students studying in the US?

How to choose travel insurance for Canadian students studying in the US?

1. Types of Insurance for Canadian Students studying in the US

When it comes to ensuring a safe and worry-free experience for Canadian students studying in the US, having the right insurance coverage is paramount. Here are the primary types of insurance options available:

Health Insurance
Health insurance is a fundamental necessity for Canadian students studying in the US. It provides coverage for various medical expenses, including doctor visits, hospitalization, prescription medications, and emergency treatments. With health insurance, students can access quality healthcare services without worrying about hefty medical bills.

Travel Medical Insurance
Travel medical insurance is specifically designed to cover medical emergencies that may occur while traveling abroad. For Canadian students studying in the US, travel medical insurance offers protection against unforeseen health issues, ensuring they receive timely medical care without financial burden.

Travel medical insurance offers protection against unforeseen health issues

Travel medical insurance offers protection against unforeseen health issues

Travel Insurance
Travel insurance provides comprehensive coverage for a range of travel-related risks, including trip cancellations, lost luggage, and travel delays. While it may not specifically focus on medical expenses, travel insurance offers additional peace of mind for Canadian students exploring the US, safeguarding them against unexpected travel disruptions and expenses.

By understanding the distinctions between these types of insurance, Canadian students can make informed decisions to select the most suitable coverage for their needs while studying in the US.

2. Which insurance is best for international students in USA?

Determining the best insurance for international students in the USA requires careful consideration of various factors, including coverage needs, budget, and personal circumstances. However, based on the typical requirements of students studying abroad, comprehensive health insurance tailored for international students often emerges as the top choice.

Comprehensive health insurance offers extensive coverage for medical expenses, including doctor visits, hospitalization, prescription medications, emergency care, and sometimes mental health services. It may also include benefits such as coverage for pre-existing conditions and access to a network of healthcare providers, which are essential for international students navigating the US healthcare system.

While travel medical insurance can be beneficial for covering medical emergencies during travel, comprehensive health insurance provides broader coverage for ongoing healthcare needs and routine medical services required during the duration of studies in the USA.

Comprehensive health insurance provides broader coverage for ongoing healthcare needs

Comprehensive health insurance provides broader coverage for ongoing healthcare needs

Additionally, some universities and colleges may require international students to have specific health insurance plans that meet certain criteria, further emphasizing the importance of comprehensive health coverage.

Ultimately, the best insurance for international students in the USA is one that offers comprehensive coverage for medical expenses, aligns with the student's healthcare needs, complies with university requirements, and fits within their budget constraints. It's advisable for students to research different insurance options, compare coverage benefits and costs, and consult with insurance providers or university advisors to make an informed decision.

3. Travel insurance for Canadian students studying in the US

When searching for travel insurance to the USA for Canadian students, the Patriot America® Plus plan is worth considering. This travel insurance option not only provides essential medical coverage but also offers additional trip-related benefits such as coverage for lost baggage, identity theft, and return travel.

	Patriot America® Plus
Maximum Limit	Up to $1,000,000
Medical Expenses	Up to the maximum limit
Covid-19 Medical Expenses	Covered and treated as any other Sickness
Emergency Medical Evacuation	$1,000,000
Emergency Reunion	$100,000 maximum limit
Identity Theft	$500 maximum limit
Lost Luggage	$500 maximum limit, $50 per item
Personal Liability	$25,000 combined maximum limit
Return Travel	$10,000 maximum limit
24-Hour Accidental Death and Dismemberment	$50,000 principal sum

4. Travel medical insurance for Canadian students studying in USA

For Canadian students studying in the USA as part of a study or exchange program, the Patriot Exchange ProgramSM can be a suitable option. This travel medical insurance plan is specifically designed to provide medical coverage for Canadian students during their time abroad, with durations of up to 12 months.

Patriot Exchange ProgramSM
1	Age	be at least 31 days out but not yet 65 years old
2	Period of coverage	1 month up to 12 months - renewable up to 48 months
3	Subject	Be an active participant in a study or exchange program (i.e. student visa, exchange visa, visitor visa), the spouse of the participant, or a dependent traveling with the participant
4	Sumary	Medical insurance for students studying abroad or participants of cultural exchange programs Most plan options are designed to meet the U.S. J1 and J2 visa travel insurance requirements

HIGHLIGHTS
Maximum Limit	5,000,000
Medical Expenses	In-Network: 90% Out-of-Network: 80% International: 100%
Covid-19 Medical Expenses	Covered and treated as any other Sickness
Student Health Center	Copayment per visit: $5
Emergency Medical Evacuation	$50,000 maximum limit
Emergency Reunion	Up to US$ 15,000 for a max of 15 days
Incidental Trip	Maximum 14days In-Network: 90% Out-of-Network: 80% International: 100%
24-Hour Accidental Death and Dismemberment	US$ 25,000

5. International health insurance for Canadian students studying in the US

For Canadian students studying in the US and seeking international health insurance, it's essential not to overlook options like "Global Medical Insurance." This plan provides comprehensive health coverage for a wide range of medical expenses, ensuring that Canadian students have access to quality healthcare services while studying in the US. One of the key benefits of Global Medical Insurance is its long-term coverage, making it suitable for Canadian students study abroad.

Global Medical Insurance
1	Age	14 days to 75 years
2	Period of coverage	1+ year
3	Sumary	a long-term (1+ year), annually renewable, worldwide medical insurance program for individuals and families

HIGHLIGHTS
	Bronze	Silver	Gold	Platinum
Lifetime Maximum Limit	$1,000,000 per individual	$5,000,000 per individual	$5,000,000 per individual	$8,000,000 per individual
Emergency Evacuation	$50,000 maximum per period of coverage.	$50,000 maximum per period of coverage.	Up to lifetime maximum limit.	Up to lifetime maximum limit.
Emergency Reunion	$10,000 lifetime maximum	N/A	$10,000 lifetime maximum.	$10,000 lifetime maximum.
Treatment Outside the U.S.	50% of deductible waived, up to a maximum of $2,500. No coinsurance.	50% of deductible waived, up to a maximum of $2,500. No coinsurance.	50% of deductible waived, up to a maximum of $2,500. No coinsurance.	50% of deductible waived, up to a maximum of $2,500. No coinsurance.
Treatment inside the U.S. using Medical Concierge	50% of deductible waived, up to a maximum of $2,500. No coinsurance.	50% of deductible waived, up to a maximum of $2,500. No coinsurance.	50% of deductible waived, up to a maximum of $2,500. No coinsurance.	50% of deductible waived, up to a maximum of $2,500. No coinsurance.
Treatment inside the U.S. - PPO Network	Subject to deductible. No coinsurance.	Subject to deductible. No coinsurance.	Subject to deductible. No coinsurance.	Subject to deductible. No coinsurance.
Treatment inside the U.S. - Non-PPO Network	Subject to deductible. Plan pays 80% of the next $5,000 of eligible expenses, then 100% to the overall maximum per period of coverage.	Subject to deductible. Plan pays 80% of the next $5,000 of eligible expenses, then 100% to the overall maximum per period of coverage.	Subject to deductible. Plan pays 80% of the next $5,000 of eligible expenses, then 100% to the overall maximum per period of coverage.	Subject to deductible. Plan pays 80% of the next $5,000 of eligible expenses, then 100% to the overall maximum per period of coverage.
Mental/Nervous	N/A	Outpatient after 12 months of continuous coverage.	$10,000 maximum per period of coverage with a $50,000 lifetime maximum - Available after 12 months of continuous coverage.	$50,000 lifetime maximum
Maternity	N/A	N/A	N/A	$2,500 additional deductible per pregnancy. $50,000 lifetime maximum. $200 newborn preventative care benefit for the first 31 days – 12 months after birth. $250,000 maximum for newborn care & congenital disorders for the first 31 days after birth

6. Conclusion

In conclusion, selecting the right travel insurance for Canadian students studying in the US can be a challenging decision. However, you don't have to navigate this process alone. If you're unsure about which type of insurance would best suit your needs, don't hesitate to contact us for assistance. Our team at Travelner Insurance is here to help you navigate through the different options and choose the insurance plan that aligns perfectly with your requirements!