Allianz Student Insurance

Allianz International Student Insurance (International Students to Canada) is designed for international students enrolled in Canadian schools, colleges, and universities. Plans are underwritten by CUMIS General Insurance Company, a member of The Co-operators group of companies, and administered by Allianz Global Assistance (AZGA Service Canada Inc.). Coverage of up to $5,000,000 is available, including benefits tailored specifically for the student experience — maternity, eye exams, physical exams, and tutorial services. Spouses and dependent children of eligible students may also be covered. A 10-day free-look period applies.

Available Plans

Benefits

• Emergency hospital accommodation (semi-private room)
• Physician, surgeon, and anaesthetist services
• Follow-up visits when declared necessary by attending physician
• Diagnostic tests, lab work, and X-rays
• Chiropractor, osteopath, podiatrist/chiropodist, naturopath, acupuncturist, or physiotherapist — up to $600 per profession per 12-month period
• Ambulance services (land or sea) — up to $10,000 combined with nursing/appliances
• Private duty registered nurse — up to $10,000 combined
• Rental of crutches, wheelchair, hospital bed, splints, prosthetics
• Oxygen and equipment for its administration
• Blood and blood plasma
• Emergency out-patient hospital services
• Prescription drugs (30-day supply)
• Emergency transportation / return home
• Transportation of up to 2 family members or close friends to bedside — up to $5,000 (+ up to $1,500 accommodation/meals/transport)
• Return of deceased (repatriation) — up to $15,000 (or cremation/burial at place of death — up to $5,000)
• Accidental dental injury — up to $5,000
• Dental pain relief (other than direct blow) — up to $600
• Wisdom teeth extraction — up to $100 per tooth
• Maternity (pre-natal care, miscarriage, complications) — up to $1,000 per 12-month period
• Physical examination — up to $250 per 12-month period (after 12 consecutive months of coverage)
• Eye examination — one visit per 12-month period (after 12 consecutive months of coverage)
• Tutorial services (if hospitalized or confined to home for 30+ school days) — $20/hour, up to $500
• Accidental Death & Dismemberment — up to $15,000

Eligibility

To be eligible for coverage, you must:

• Be a student registered full-time at a Canadian school, college, university, or accredited educational institution; or be the spouse or dependent child of an eligible student; and
• Be less than 60 years of age as of the effective date; and
• Not be insured or eligible for benefits under a Canadian government health insurance plan; and
• Be in good health on the effective date and know of no reason to seek medical consultation during the period of coverage.

Pre-existing Conditions

The Standard Option does not cover pre-existing conditions — medical conditions or symptoms existing before the effective date are excluded.

The Standard + 90-Day Pre-existing Option covers pre-existing conditions that were stable for at least 90 days immediately before the effective date. Stable means no new or changed treatment, no new signs or symptoms, no hospitalization, and no specialist referral during that period.

Waiting Period

A 48-hour waiting period applies to sickness-related claims if you purchase your policy after your existing Allianz-administered policy has expired, or after you have already exited your country of origin. Sickness that manifests during this waiting period is not covered, even if related expenses are incurred afterward.

Travel Outside Canada

Costs incurred outside Canada (other than in your country of origin) are covered provided the majority of the coverage period is spent in Canada. Trips to the United States are limited to 30 days per coverage period. Costs incurred in your country of origin are never covered.

Key Exclusions

• Pre-existing conditions not stable for 90 days (Standard Option: all pre-existing conditions)
• Sickness for which you knew or expected to need treatment before effective date
• Continued or follow-up treatment after emergency unless pre-approved by Allianz
• Sickness with signs or symptoms within 48 hours of effective date (waiting period)
• Costs incurred in your country of origin
• Costs outside Canada when majority of coverage period not spent in Canada
• Trips to the USA exceeding 30 days per coverage period
• Mental, emotional disorders including anxiety and depression
• Suicide, attempted suicide, or intentional self-inflicted injury
• Pregnancy, abortion, childbirth, and complications (except as provided under Maternity)
• Alcohol abuse, cannabis use, prohibited drugs, or substance abuse
• Non-compliance with prescribed treatment or medication
• High-risk activities, motorized speed contests, stunt activities, professional sport
• Motor vehicle accident when entitled to motor vehicle insurance benefits (until exhausted)
• Treatment for the purpose of securing medical care
• Travel against physician advice, or when diagnosed with terminal illness
• Treatment that can be reasonably delayed until return to country of origin
• Elective, routine, or investigative treatment; rehabilitation or convalescent care
• Learning or educational assessments
• Ongoing chronic condition management, home health care, or home nursing

Claims & Emergency Assistance

Contact Allianz Global Assistance before seeking treatment. In a serious emergency, get to hospital immediately and have someone call within 24 hours of admission and before any surgery. Failure to call without reasonable cause results in benefits being limited to 80% of eligible expenses.

Submit a completed claim form with all original bills attached to Allianz Global Assistance. Claims through the secure portal: www.allianzassistanceclaims.ca

Frequently Asked Questions

Who is eligible?

International students under 60 enrolled full-time at a Canadian educational institution, their spouses, and dependent children, who are not covered under a Canadian government health plan and are in good health on the effective date.

What is the maximum coverage?

Up to $5,000,000 CAD in emergency hospital and medical services, plus dental, emergency transportation, maternity (up to $1,000/year), eye exam (one per year after 12 months), physical exam (up to $250/year after 12 months), tutorial services (up to $500), and AD&D (up to $15,000).

Does the plan cover pre-existing conditions?

The Standard Option does not. The Standard + 90-Day Pre-existing Option covers conditions that were stable for at least 90 days before the effective date.

Can my spouse and children also be covered?

Yes. Your spouse and dependent children living with you can be included on your policy.

Are trips to the US covered?

Yes, up to 30 days per coverage period, provided the majority of your coverage period is spent in Canada.

Does maternity coverage apply?

Yes — up to $1,000 per 12-month period for pre-natal care, miscarriage, or complications. The expected delivery date must be more than 10 months after the effective date. Newborns are not covered under your policy but may qualify for their own coverage after 15 days old.