Comparaison d'assurances 2026
GuardMe Canadavs.Ingle TuGo International Student Insurance
Une comparaison indépendante des prestations, coûts et détails de couverture.
✓ Basé sur les documents officiels✓ Mis à jour avril 2026✓ Comparaison indépendante
| Caractéristique | Most PopularGuardMe CanadaVoir détails | Ingle TuGo International Student InsuranceVoir détails |
|---|---|---|
| Tarifs | ||
| Tarif mensuel | CAD $58 | CAD $63 |
| Tarif annuel | CAD $704 | CAD $770 |
| Devise | CAD | CAD |
| Prestations médicales | ||
| Couverture médicaleMaximum payout for medical care | Up to CAD 2,000,000 per 365-day period covering hospital services, physician fees, lab and diagnostic testing, and ambulance. | Up to CAD 2,000,000 in emergency medical treatment including hospital, physician, ambulance, X-ray, lab tests, prescription drugs (30-day supply), and up to 5 follow-up visits within 14 days of initial treatment. |
| FranchiseWhat you pay before insurance kicks in | CAD $0 — no deductible on the standard plan. | CAD $0 — no deductible. |
| Médicaments sur ordonnance | 30-day supply per prescription, with no annual cap. | 30-day supply per prescription. Hospital-administered drugs covered fully. Includes one morning-after pill per 12-month period (with 365-day policy). |
| Rapatriement d'urgence | Repatriation of remains up to CAD 15,000. Burial in host country up to CAD 5,000. Air evacuation and return home included up to policy limits. | Up to CAD 25,000 for repatriation. Air evacuation up to policy limits. Family transportation to bedside up to CAD 5,000 + CAD 400/day for out-of-pocket expenses (max CAD 2,000). |
| Santé mentale | ||
| Couverture santé mentaleTherapy, counseling, psychiatric care | Psychiatric hospitalization up to CAD 50,000 (lifetime limit). Outpatient psychotherapy up to CAD 1,000 and psychiatrist fees up to CAD 10,000 inpatient. Six trauma counselling sessions included. | Mental and emotional disorders covered up to the policy maximum for inpatient services. Up to CAD 1,000 combined for outpatient psychiatrist, psychologist, clinical counsellor, psychotherapist, or social worker. |
| Dentaire | ||
| Couverture dentaireWhat dental treatments are covered | Dental injury (accident) up to CAD 4,000. Emergency dental care up to CAD 600 when 6+ months of coverage is purchased. | Up to CAD 6,000 for dental injuries (accident). Up to CAD 600 for other dental emergencies. Up to CAD 150 per tooth for impacted wisdom teeth. |
| Éligibilité | ||
| Qui peut souscrireCountry and visa requirements | International students enrolled at a Canadian designated learning institution (DLI). Distributed via 300+ partner universities — purchase through your school's GuardMe portal. | Full-time or part-time international student enrolled at a Canadian school. Up to 69 years old at application. Family members 15 days to 59 years old can be added at the same daily rate. |
| Affections préexistantes | Limited coverage. Stable pre-existing conditions may be covered — read your policy carefully. | Excluded if not stable in the 90 days before coverage start. Stable means no medication changes, no new symptoms, no new tests or treatments. |
| VisiterGuardMe Canada → | VisiterIngle TuGo International Student Insurance → | |
Ingle TuGo International Student InsuranceVoir détails
Tarifs
Tarif mensuel
CAD $58
CAD $63
Tarif annuel
CAD $704
CAD $770
Devise
CAD
CAD
Prestations médicales
Couverture médicale
Maximum payout for medical care
Up to CAD 2,000,000 per 365-day period covering hospital services, physician fees, lab and diagnostic testing, and ambulance.
Up to CAD 2,000,000 in emergency medical treatment including hospital, physician, ambulance, X-ray, lab tests, prescription drugs (30-day supply), and up to 5 follow-up visits within 14 days of initial treatment.
Franchise
What you pay before insurance kicks in
CAD $0 — no deductible on the standard plan.
CAD $0 — no deductible.
Médicaments sur ordonnance
30-day supply per prescription, with no annual cap.
30-day supply per prescription. Hospital-administered drugs covered fully. Includes one morning-after pill per 12-month period (with 365-day policy).
Rapatriement d'urgence
Repatriation of remains up to CAD 15,000. Burial in host country up to CAD 5,000. Air evacuation and return home included up to policy limits.
Up to CAD 25,000 for repatriation. Air evacuation up to policy limits. Family transportation to bedside up to CAD 5,000 + CAD 400/day for out-of-pocket expenses (max CAD 2,000).
Santé mentale
Couverture santé mentale
Therapy, counseling, psychiatric care
Psychiatric hospitalization up to CAD 50,000 (lifetime limit). Outpatient psychotherapy up to CAD 1,000 and psychiatrist fees up to CAD 10,000 inpatient. Six trauma counselling sessions included.
Mental and emotional disorders covered up to the policy maximum for inpatient services. Up to CAD 1,000 combined for outpatient psychiatrist, psychologist, clinical counsellor, psychotherapist, or social worker.
Dentaire
Couverture dentaire
What dental treatments are covered
Dental injury (accident) up to CAD 4,000. Emergency dental care up to CAD 600 when 6+ months of coverage is purchased.
Up to CAD 6,000 for dental injuries (accident). Up to CAD 600 for other dental emergencies. Up to CAD 150 per tooth for impacted wisdom teeth.
Éligibilité
Qui peut souscrire
Country and visa requirements
International students enrolled at a Canadian designated learning institution (DLI). Distributed via 300+ partner universities — purchase through your school's GuardMe portal.
Full-time or part-time international student enrolled at a Canadian school. Up to 69 years old at application. Family members 15 days to 59 years old can be added at the same daily rate.
Affections préexistantes
Limited coverage. Stable pre-existing conditions may be covered — read your policy carefully.
Excluded if not stable in the 90 days before coverage start. Stable means no medication changes, no new symptoms, no new tests or treatments.
FAQ
Questions fréquemment posées
GuardMe Canada costs CAD $1.93 per day for one person, which works out to roughly CAD $58 per month or CAD $704 for a full 365-day year. Family rates apply per person. Most universities pre-bundle the cost into their international student fee.
Over 300 Canadian colleges and universities have partnership agreements with GuardMe. The plan is comprehensive, integrates with school IT systems for instant enrollment, and covers the 3-month waiting period before provincial plans (OHIP in Ontario, MSP in BC) become effective. For these reasons, many institutions make GuardMe mandatory.
Yes. International students in Ontario are not eligible for OHIP at all, so GuardMe (or UHIP) is the primary coverage. In BC, there is a 3-month waiting period for MSP — GuardMe covers this gap. Most BC universities automatically enrol new students in GuardMe for the first 90 days for around CAD $170-190.
Yes. Outpatient psychotherapy is covered up to CAD 1,000 and inpatient psychiatrist fees up to CAD 10,000. Six trauma counselling sessions are included. Telemedicine via Mobile Doctor (powered by Maple) lets you talk to a Canadian doctor anytime — included free with every plan.
Most students buy through their university's customised GuardMe portal (e.g., guard.me/yourschool). If you do not have a school code, contact GuardMe customer care at +1-877-873-8447 or via guard.me/en/apply-for-insurance.html. Coverage is activated within minutes of payment.
Three reasons: (1) it covers students up to age 69, while Manulife caps at 45 and GuardMe focuses on traditional undergraduates; (2) it has the highest dental injury cap in Canada at CAD 6,000; (3) it includes maternity coverage of CAD 25,000 — useful for student families. The trade-off: it's slightly more expensive at CAD $2.11/day vs GuardMe's CAD $1.93/day.
Yes. With CAD 2 million in coverage and emergency medical, hospital, and prescription drugs included, it meets every Canadian institution's minimum requirements. In Ontario, however, UHIP is mandatory for university students — TuGo can serve as supplementary or as the main plan only at colleges that allow opt-out.
Yes — worldwide travel is covered during the policy period as long as the majority of your time is spent in Canada. Visits to your home country are allowed but expenses incurred there are not covered, and any condition that arose in your home country is excluded.
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