As we head into September, it’s about time for students to head back to school. Whether you’re a Canadian student studying abroad or an international student studying in Canada, preparing for the unexpected is something that shouldn’t be overlooked.
Having your student insurance ready to go means you can focus on what matters most, like getting your assignments done and making new friends. Read on to find out what to look for in student insurance.
What your student insurance should offer
Medical bills can be costly while abroad, especially over an extended stay. Having student insurance that covers you for emergencies, dental accidents, and prescriptions is the way to go. From a viral infection to a broken bone, anything can happen.
Strong coverage goes further than covering a doctor’s visit. Before you purchase coverage, make sure your policy includes emergency medical treatment and hospital care, prescription medication, emotional support, and coverage for the activities you’ll partake in. Even though you’re there to study, you’ll likely take part in things like intramural sports or weekend hikes.
TuGo’s Student Insurance offers coverage for prescription medications, dental treatments, medical emergencies, 24/7 emergency assistance, and more. Plus, if you have family members staying with you while you’re studying, they can also get comprehensive coverage.
Here’s how Student Insurance helped one Canadian student get the care he needed while studying abroad:
Appendicitis could’ve cost Lucas over $52,000 in medical fees
Lucas, a 22-year-old Canadian student studying in Denver, suddenly developed severe stomach pain. Doctors diagnosed him with appendicitis, and Lucas underwent emergency surgery to remove his appendix. He was kept overnight for monitoring and was discharged the following day. Provincial healthcare would have covered only $100 of his medical fees. Thankfully, Lucas purchased Student Insurance before leaving Canada, which covered his hospital fees, doctor’s fees, and laboratory fees.
Claim amount paid by TuGo: $52,183.72
How TuGo takes care of you
With TuGo’s Student Insurance, you can enjoy your studies without worrying about your care. Here are the key benefits of TuGo’s Student Insurance:
- Emergency medical care and treatment
- Pre-existing medical condition coverage*
- Mental health emergency coverage – professional services including registered clinical counsellor, psychiatrist, psychologist
- Tutorial services when hospitalized for 30 consecutive days or more
- Fracture treatment
- Emergency dental services
- Prescription medications
- Up to five follow-up visits within 14 days of the initial emergency treatment
- One annual doctor’s visit and one general eye examination (when at least 180 days of coverage are purchased)
*Must meet 90-day stability period for pre-existing medical conditions before the policy effective date
We hope this list gives you a better understanding of what to look for in student insurance and what TuGo provides. Please visit TuGo’s Student Insurance page for more information on the policy. We’re here to make sure you have the coverage you need to focus on what you came for.
And regardless of the coverage you decide to buy before your adventures abroad, make sure to speak to an insurance professional and review your policy wording. Pay close attention to the exclusions, limitations, and conditions specified.
If you have any questions about studying in Canada or going on exchange, please leave them in the comments below. We’d love to hear from you!
Safe travels,
Candice
