保险对比 2026
GuardMe Canada 学生医疗保险vs.Ingle TuGo 国际学生保险
独立的保障、费用和覆盖详情对比。
✓ 基于官方保单文件✓ 更新于 2026年4月✓ 独立对比
| 功能 | 最受欢迎GuardMe Canada 学生医疗保险查看详情 | Ingle TuGo 国际学生保险查看详情 |
|---|---|---|
| 价格 | ||
| 月保费 | CAD $58 | CAD $63 |
| 年保费 | CAD $704 | CAD $770 |
| 币种 | CAD | CAD |
| 医疗保障 | ||
| 医疗保障额度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. |
| 免赔额What you pay before insurance kicks in | CAD $0 — no deductible on the standard plan. | CAD $0 — no deductible. |
| 处方药 | 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). |
| 紧急送返回国 | 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). |
| 心理健康 | ||
| 心理健康保障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. |
| 牙科 | ||
| 牙科保障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. |
| 投保条件 | ||
| 可投保人群Country and visa requirements | 加拿大指定学习机构（DLI）的国际学生。通过300多家合作大学分销——通过您学校的GuardMe门户购买。 | 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. |
| 既往症 | 有限覆盖。稳定的既往病史可能被涵盖——请仔细阅读您的保险条款。 | Excluded if not stable in the 90 days before coverage start. Stable means no medication changes, no new symptoms, no new tests or treatments. |
| 访问GuardMe Canada 学生医疗保险 → | 访问Ingle TuGo 国际学生保险 → | |
价格
月保费
CAD $58
CAD $63
年保费
CAD $704
CAD $770
币种
CAD
CAD
医疗保障
医疗保障额度
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.
免赔额
What you pay before insurance kicks in
CAD $0 — no deductible on the standard plan.
CAD $0 — no deductible.
处方药
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).
紧急送返回国
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).
心理健康
心理健康保障
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.
牙科
牙科保障
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.
投保条件
可投保人群
Country and visa requirements
加拿大指定学习机构（DLI）的国际学生。通过300多家合作大学分销——通过您学校的GuardMe门户购买。
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.
既往症
有限覆盖。稳定的既往病史可能被涵盖——请仔细阅读您的保险条款。
Excluded if not stable in the 90 days before coverage start. Stable means no medication changes, no new symptoms, no new tests or treatments.
常见问题
常见问题
GuardMe Canada每人每天$1.93，大约每月$58或整个365天年度$704。家庭费率按人计算。大多数大学将该费用预先打包到国际学生费中。
300多所加拿大学院和大学与GuardMe签订了合作协议。该计划全面，与学校IT系统集成便于即时注册，并涵盖省级计划（安大略省的OHIP、BC省的MSP）生效前的3个月等待期。因此，许多机构将GuardMe设为强制要求。
是的。安大略省的国际学生根本没有资格获得OHIP，所以GuardMe（或UHIP）是主要保障。在BC省，MSP有3个月的等待期——GuardMe填补这一空白。大多数BC大学自动为新学生在前90天内加入GuardMe，费用约为$170-190。
是的。门诊心理治疗最高$1,000，住院精神科医生费用最高$10,000。包括6次创伤咨询疗程。通过移动医生（由Maple提供）可随时与加拿大医生进行视频咨询——每个计划免费包含。
大多数学生通过其大学的定制GuardMe门户购买（如guard.me/yourschool）。如果您没有学校代码，请通过+1-877-873-8447或guard.me/en/apply-for-insurance.html联系GuardMe客户服务。付款后几分钟内保障即可激活。
有三个原因：(1) 覆盖年龄达69岁的学生，而Manulife仅覆盖至45岁，GuardMe主要面向传统本科生；(2) 拥有加拿大最高的牙科伤害保障CAD 6,000；(3) 包含CAD 25,000的产妇保障 — 对学生家庭很有用。折中之处：价格略高，CAD $2.11/日 对比GuardMe的CAD $1.93/日。
是的。拥有CAD 200万的保障范围，包括紧急医疗、医院和处方药，它符合加拿大每所高校的最低要求。但在安大略省，UHIP对大学生是强制性的 — TuGo只能作为补充保险，或在允许放弃的学院中作为主保险。
是的 — 在保单期间全球旅行都被覆盖，只要您大部分时间在加拿大度过。允许访问您的祖国，但在那里发生的费用不被覆盖，任何在祖国出现的疾病被排除在外。
找到最佳计划了吗？
比较更多计划或直接申请——几分钟内获得保障。