International Student Insurance in Canada: Plans & Prices
Health insurance for international students in Canada costs $1.60–$1.80 per day — about $584–$645 per year — with $5,000,000 in coverage. Families can be covered together for about $3.00 per day. Most schools require proof of coverage, and provincial health plans exclude most international students.
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| Plan | Price | Pre-existing conditions | Best for |
|---|---|---|---|
| JF Standard | $1.60/day · $584/year | Not covered | Healthy students on a budget |
| JF Elite Plus | $1.80/day · $645/year | Covered if stable 90 days | Most students — best value |
| JF Elite Plus Family | $3.00/day · $1,085/year | Covered if stable 90 days | Student + spouse + children |
Official JF Insurance rates (underwritten by Berkley Canada), all with $5,000,000 annual coverage. Ages 4–69 (family plan 4–59).
Frequently asked questions
How much does international student insurance cost in Canada?
International student health insurance in Canada costs $1.60 to $1.80 per day, or about $584 to $645 for a full year with $5,000,000 of coverage. A family plan covering the student, spouse, and children costs about $3.00 per day (roughly $1,085 per year).
Do international students need health insurance in Canada?
Yes. Most international students are not covered by provincial health plans (rules vary by province), and many schools require proof of health insurance for enrollment. Without insurance, a hospital stay in Canada can cost $3,000 to $5,000 per day.
What does student insurance cover?
Student plans typically cover emergency medical care up to $5,000,000 per year, including hospitalization, physician visits, prescription drugs, diagnostics, maternity (on enhanced plans), psychiatric care, dental emergencies, an annual physician check-up, and vaccinations. Enhanced plans also cover stable pre-existing conditions.
Can my spouse and children be covered under my student insurance?
Yes. Family student plans cover the student plus spouse and dependent children under one premium — about $3.00 per day total — which is usually cheaper than two individual plans.
Does student insurance cover pre-existing conditions?
Enhanced student plans (like JF Elite Plus) cover pre-existing medical conditions that have been stable for 90 days before the policy starts. Basic plans (like JF Standard) do not cover pre-existing conditions.
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