Ingle International
Ingle TuGo International Student Insurance
CAD 2 million coverage with the highest dental and maternity limits — broadest age eligibility (up to 69)
✓ Visa Compliant
up to 69 years old Age Limit
Last updated: April 27, 2026
What's Covered
Benefits and coverage details.
Included
Highest age limit (69) of any major Canadian student plan — ideal for older grad and PhD students
Industry-leading dental injury coverage of CAD 6,000 (vs CAD 2,500-4,000 elsewhere)
Maternity benefit up to CAD 25,000 — important for student families
Optional travel coverage worldwide as long as majority of policy is spent in Canada
Annual physical, eye exam, and STI testing all included with longer policies
Not Covered
Slightly more expensive than GuardMe (CAD $2.11/day vs CAD $1.93/day)
Pre-existing condition exclusion is strict — 90-day stability rule
Less institutional integration than GuardMe — universities rarely pre-bundle TuGo
Outpatient mental health capped at CAD 1,000 combined per incident
Sold via Ingle as broker, then underwritten by Industrial Alliance — adds a layer between you and the insurer
FAQ
Frequently Asked Questions about Ingle TuGo International Student Insurance
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.
If your pregnancy starts during the coverage period, the plan pays up to CAD 25,000 for prenatal, delivery, and immediate postnatal care. This is significantly higher than competitor offerings (Manulife covers maternity only as part of the standard CAD 2 million emergency limit, GuardMe excludes routine maternity).
Each family member pays CAD $2.11/day individually — there is no bulk discount, but adding a spouse or children does not require a separate policy. Children must be 15 days to 25 years old, spouses up to 59. The student must remain enrolled in a Canadian school for the family policy to be valid.
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