保险对比 2026
Manulife CoverMe 学生旅行保险vs.GuardMe Canada 学生医疗保险
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 | Manulife CoverMe 学生旅行保险查看详情 | 最受欢迎GuardMe Canada 学生医疗保险查看详情 |
|---|---|---|
| 价格 | ||
| 月保费 | CAD $75 | CAD $58 |
| 年保费 | CAD $900 (estimated for 24-year-old, 12-month policy in Ontario) | CAD $704 |
| 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 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. |
| 免赔额What you pay before insurance kicks in | CAD $0 — no deductible on any student plan. | CAD $0 — no deductible on the standard plan. |
| 处方药 | 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. |
| 紧急送返回国 | 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. |
| 心理健康 | ||
| 心理健康保障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. |
| 牙科 | ||
| 牙科保障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. |
| 投保条件 | ||
| 可投保人群Country and visa requirements | 年龄在45岁以下,在加拿大公认机构进行全日制学习,持有录取证明,或博士后研究人员。配偶和受抚养子女(30天以上)可以添加。 | 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。 |
| 既往症 | 如果既往疾病在保单生效日期前3个月内未保持稳定,则不予承保。稳定要求没有药物改变、没有新症状、没有新检查或转诊。 | 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。 |
| 访问Manulife CoverMe 学生旅行保险 → | 访问GuardMe Canada 学生医疗保险 → | |
价格
月保费
CAD $75
CAD $58
年保费
CAD $900 (estimated for 24-year-old, 12-month policy in Ontario)
CAD $704
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 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.
免赔额
What you pay before insurance kicks in
CAD $0 — no deductible on any student plan.
CAD $0 — no deductible on the standard plan.
处方药
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.
紧急送返回国
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.
心理健康
心理健康保障
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.
牙科
牙科保障
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.
投保条件
可投保人群
Country and visa requirements
年龄在45岁以下,在加拿大公认机构进行全日制学习,持有录取证明,或博士后研究人员。配偶和受抚养子女(30天以上)可以添加。
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。
既往症
如果既往疾病在保单生效日期前3个月内未保持稳定,则不予承保。稳定要求没有药物改变、没有新症状、没有新检查或转诊。
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。
常见问题
常见问题
Manulife使用基于年龄的报价定价,而不是固定的每日费率。对于在安大略省购买12个月保单的24岁人来说,预计大约每月70-80加元(每年850-950加元)。确切的保费取决于年龄、承保期和添加的家庭成员。在coverme.com上获取即时报价。
是的。该计划提供高达200万加元的医疗保障,超过了加拿大大多数机构要求的100万加元。安大略省以外的大多数加拿大大学接受Manulife CoverMe作为保险证明。安大略省大学要求UHIP或学校批准的等价保险—购买前请确认您的机构。
如果承保的医疗事件迫使您中断或取消学业,Manulife可以赔偿高达5,000加元的不可退款学费。这是加拿大学生保险中的独特优势—GuardMe和TuGo都不提供。
仅当这些疾病在保单生效前3个月内保持稳定时才承保。稳定意味着没有新的药物、没有症状改变、没有新的测试、没有专家转诊和没有住院。如果您的情况不符合所有稳定条件,相关索赔将被拒绝。
可以。保险可延长至最多365天。您还可以在家探亲期间暂停保险最多21天(trip break福利)而不结束保单。
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。
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。