International Student Health Insurance in Canada

Yes. Every international student needs health coverage. Some provinces include students in the provincial plan, many universities enrol students automatically in a school plan (in Ontario, usually UHIP), and colleges or language schools often require private coverage. Pankaj can help if your school doesn't provide a plan or you need cover before it starts.

Sometimes. Some colleges allow you to opt out of their plan if you show equivalent private coverage; universities that use UHIP usually do not. Always check with your school's international office first.

Yes. If you arrive before your school plan begins, a short-term visitor or student plan can cover the gap so you are not uninsured in your first weeks.

Ideally before the visitor arrives in Canada. If you buy after arrival, most insurers apply a waiting period — commonly 48 hours for injuries and up to 7–8 days for illness — during which sickness is not covered.

Yes, most policies can be extended before they expire if the visitor stays longer, provided no claim has been made or the insurer approves it. Contact Pankaj a few days before the end date.

Call 911 if it is life-threatening. Otherwise, call the insurer's 24/7 emergency assistance number on the policy card before treatment whenever possible — they will direct you to a clinic or hospital and can often pay the provider directly. Then contact Pankaj for help with the claim.

Yes. Pankaj and his team serve clients in English, Punjabi, Hindi and Urdu, by phone, WhatsApp, email or in person in Mississauga and Cambridge.