Ingle TuGo International Student Insurance

Three reasons: (1) it accepts students aged 69 or younger at application, while Manulife's student plan is limited to applicants under 45; (2) it pays up to CAD 6,000 for dental injuries, compared with CAD 4,000 at GuardMe Canada and CAD 2,500 at Manulife; (3) it includes a maternity benefit of up to CAD 25,000 per pregnancy — useful for student families. TuGo does not publish its price, so compare the online quote with your other options before you buy.

It depends on your school. The plan offers CAD 2 million in coverage, including emergency medical, hospital and prescription drug benefits, but each school decides which plans it accepts — many enrol international students automatically in their own plan. Check with your school before you buy. In Ontario, UHIP is mandatory for students at participating universities — TuGo can serve as supplementary cover there, or as the main plan only at schools that allow an 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 while you are covered by a TuGo student policy, the plan pays up to CAD 25,000 per pregnancy for routine prenatal care, complications arising within 9 weeks before or after the expected delivery date, and involuntary termination of pregnancy. Delivery/childbirth and the newborn's medical costs are not covered. Competitors offer less: Manulife's student policy excludes pregnancy and childbirth, and GuardMe Canada covers only serious complications of pregnancy.

Family members can be insured if they live with the student in Canada and are 15 days to 59 years old when applying. This covers the spouse (up to 59), parents, step-parents, legal guardians, siblings and unmarried dependent children. Dependent children qualify up to and including age 21, or up to 59 if they have a cognitive, developmental or physical disability. Each family member is priced individually in the quote. Cover ends if the family member stops living with the student, or 60 days after the student stops studying at a Canadian school.