加拿大 学生健康保险
加拿大学生健康保险 — 计划对比
为加拿大国际学生提供健康保障。补足省级医保等待期，或选择全程私人保险。
Most Popular 查看详情 →
GuardMe Canada
guard.me International Insurance
Canada's most-used student health plan — partner of 300+ universities, mobile doctor included
- Partner of 300+ Canadian universities — often pre-selected by your institution
- Mobile Doctor (Maple) telemedicine included — talk to a Canadian-licensed doctor anytime
- CAD $0 deductible on the standard plan
- Covers the 3-month waiting period before provincial coverage (OHIP, MSP) begins
Ingle TuGo International Student Insurance
Ingle International
CAD 2 million coverage with the highest dental and maternity limits — broadest age eligibility (up to 69)
- 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
Manulife CoverMe Student Travel Insurance
Manulife Financial
CAD 2 million coverage from one of Canada's largest insurers — strong dental and tuition refund benefits
- Up to CAD $5,000 tuition reimbursement if you cannot attend school due to a covered medical event
- Annual physical and eye exam included — preventive care that GuardMe charges extra for
- 21-day trip break benefit lets you visit home without losing coverage
- CAD $0 deductible on every plan
常见问题
常见问题
需要。加拿大的国际学生从抵达第一天起就需要健康保险。部分省份（BC、阿尔伯塔、萨斯喀彻温、曼尼托巴、纽芬兰）在等待期后将学生纳入公共医保；其他省份（安大略、魁北克）则要求购买私人保险。
加拿大私人学生健康保险通常每月 40–120 加元。guard.me、Manulife Student VIP、Ingle StudentCare 等计划可在抵达后立即生效，覆盖到省级医保启动（或整个学习期间）。
视省份而定。BC、阿尔伯塔、萨斯喀彻温、曼尼托巴和纽芬兰在 3 个月等待期后将国际学生纳入公共医保。安大略、魁北克、新斯科舍等省份则不覆盖 — 在这些省份必须购买私人保险。
私人计划通常额外提供处方药、牙科、视力、心理健康、遣返服务，以及省级医保启动前的过渡保障。省级医保通常仅覆盖看医生和住院。
许多加拿大大学有默认的学生健康保险计划。国际学生通常可以在拥有同等私人保障的情况下申请退出 — 请与学校确认。
需要帮助选择？
并排比较计划或参加测试，找到最适合您的方案。