Comparaison d'assurances 2026
Manulife CoverMe Student Travel Insurancevs.GuardMe Canada
Une comparaison indépendante des prestations, coûts et détails de couverture.
✓ Basé sur les documents officiels✓ Mis à jour avril 2026✓ Comparaison indépendante
| Caractéristique | Manulife CoverMe Student Travel InsuranceVoir détails | Most PopularGuardMe CanadaVoir détails |
|---|---|---|
| Tarifs | ||
| Tarif mensuel | CAD $75 | CAD $58 |
| Tarif annuel | CAD $900 (estimated for 24-year-old, 12-month policy in Ontario) | CAD $704 |
| Devise | CAD | CAD |
| Prestations médicales | ||
| Couverture médicaleMaximum payout for medical care | Up to CAD 2,000,000 in emergency and non-emergency medical benefits including hospital stays (up to 60 days for injury or illness, 30 days for psychiatric care), physician services, diagnostic tests, prescription drugs, and paramedical services. | Up to CAD 2,000,000 per 365-day period covering hospital services, physician fees, lab and diagnostic testing, and ambulance. |
| FranchiseWhat you pay before insurance kicks in | CAD $0 — no deductible on any student plan. | CAD $0 — no deductible on the standard plan. |
| Médicaments sur ordonnance | Prescription drugs covered as part of emergency medical benefits, up to a 30-day supply per prescription. | 30-day supply per prescription, with no annual cap. |
| Rapatriement d'urgence | Up to CAD 100,000 for transportation home (emergency evacuation, repatriation of remains, family transportation). | 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. |
| Santé mentale | ||
| Couverture santé mentaleTherapy, counseling, psychiatric care | Up to 30 days hospital stay for psychiatric care. Trauma counselling and emergency psychiatric services covered as part of the CAD 2 million policy maximum. | 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. |
| Dentaire | ||
| Couverture dentaireWhat dental treatments are covered | Accidental dental injury covered up to CAD 2,500. Emergency dental treatment included. | Dental injury (accident) up to CAD 4,000. Emergency dental care up to CAD 600 when 6+ months of coverage is purchased. |
| Éligibilité | ||
| Qui peut souscrireCountry and visa requirements | Full-time student under age 45 at a recognized Canadian institution with proof of admission, or post-doctoral researcher. Spouse and dependent children (30 days+) can be added. | International students enrolled at a Canadian designated learning institution (DLI). Distributed via 300+ partner universities — purchase through your school's GuardMe portal. |
| Affections préexistantes | Pre-existing conditions are not covered if they were not stable in the 3 months before the policy effective date. Stability requires no medication changes, no new symptoms, no new tests or referrals. | Limited coverage. Stable pre-existing conditions may be covered — read your policy carefully. |
| VisiterManulife CoverMe Student Travel Insurance → | VisiterGuardMe Canada → | |
Manulife CoverMe Student Travel InsuranceVoir détails
Tarifs
Tarif mensuel
CAD $75
CAD $58
Tarif annuel
CAD $900 (estimated for 24-year-old, 12-month policy in Ontario)
CAD $704
Devise
CAD
CAD
Prestations médicales
Couverture médicale
Maximum payout for medical care
Up to CAD 2,000,000 in emergency and non-emergency medical benefits including hospital stays (up to 60 days for injury or illness, 30 days for psychiatric care), physician services, diagnostic tests, prescription drugs, and paramedical services.
Up to CAD 2,000,000 per 365-day period covering hospital services, physician fees, lab and diagnostic testing, and ambulance.
Franchise
What you pay before insurance kicks in
CAD $0 — no deductible on any student plan.
CAD $0 — no deductible on the standard plan.
Médicaments sur ordonnance
Prescription drugs covered as part of emergency medical benefits, up to a 30-day supply per prescription.
30-day supply per prescription, with no annual cap.
Rapatriement d'urgence
Up to CAD 100,000 for transportation home (emergency evacuation, repatriation of remains, family transportation).
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.
Santé mentale
Couverture santé mentale
Therapy, counseling, psychiatric care
Up to 30 days hospital stay for psychiatric care. Trauma counselling and emergency psychiatric services covered as part of the CAD 2 million policy maximum.
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.
Dentaire
Couverture dentaire
What dental treatments are covered
Accidental dental injury covered up to CAD 2,500. Emergency dental treatment included.
Dental injury (accident) up to CAD 4,000. Emergency dental care up to CAD 600 when 6+ months of coverage is purchased.
Éligibilité
Qui peut souscrire
Country and visa requirements
Full-time student under age 45 at a recognized Canadian institution with proof of admission, or post-doctoral researcher. Spouse and dependent children (30 days+) can be added.
International students enrolled at a Canadian designated learning institution (DLI). Distributed via 300+ partner universities — purchase through your school's GuardMe portal.
Affections préexistantes
Pre-existing conditions are not covered if they were not stable in the 3 months before the policy effective date. Stability requires no medication changes, no new symptoms, no new tests or referrals.
Limited coverage. Stable pre-existing conditions may be covered — read your policy carefully.
FAQ
Questions fréquemment posées
Manulife uses age-based quote pricing rather than a flat daily rate. For a 24-year-old buying a 12-month policy in Ontario, expect roughly CAD $70-80 per month (CAD $850-950 per year). The exact premium depends on age, coverage period, and family members added. Get an instant quote at coverme.com.
Yes. The plan provides up to CAD 2 million in medical coverage, which exceeds the typical institution requirement of CAD 1 million. Most Canadian universities outside Ontario accept Manulife CoverMe as proof of insurance. Ontario universities require UHIP or a school-approved equivalent — confirm with your institution before purchasing.
If a covered medical event forces you to interrupt or cancel your studies, Manulife reimburses up to CAD $5,000 of non-refundable tuition. This is a unique benefit among Canadian student plans — GuardMe and TuGo do not offer it.
Only if they were stable for 3 months before the policy start date. Stable means no new medication, no symptom changes, no new tests, no specialist referrals, and no hospital admissions. If your condition does not meet all stability criteria, related claims will be denied.
Yes. Coverage is extendable up to a maximum of 365 days. You can also pause coverage for up to 21 days during a home visit (trip break benefit) without ending the policy.
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.
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