Insurance every student needs while studying in Canada
Studying in Canada involves a lot of factors to be looked upon. Out of which the most important for a student is to take insurance. The student should consider three kinds of insurances; travel insurance, provincial health insurance in Canada and private health insurance. Insurance plans act as a savior when any sort of mishap occurs with the student that could include damage to essential things in transit, any physical injury during travel, unexpected accidents or theft. It protects the student in case of any crisis, and as its said prevention is better than cure, it’s important to be safe rather than wait for a crisis to take place.
Types of Insurance students need to have before leaving
1. Travel Insurance
Travel insurance is
necessary when planning long journeys and for the students going for higher
education in a foreign country. There’s a lot of important stuff that a student
carries including laptops, mobile phones, expensive items, clothes, etc. that
needs to be guarded, and any kind of loss to these items can cause a hole in
your pocket. It could be wearisome for
the student to bear the loss all by himself. So, having travel insurance, at
least provide the student with certain monetary benefits.
To enjoy maximum benefits,
travel insurance should be planned with higher coverage so that it covers all
the crises. Such a policy will include:
• Coverage for your personal things
• Coverage for any accidental injury and
• Twenty-four-hour emergency services and
• Coverage for lost, damaged or stolen assets
like expensive accessories, baggage, documents, cameras, etc.
• Coverage during cancellations of hotel bookings, flight, and other transportation bookings in any unavoidable events like a sudden illness, death in the family, or some other emergency situations where you may need to cancel the trip
2. Provincial Health Care
Provincial health care
system in Canada includes basic and preventive medical services for
international students. For attaining the service, a provincial health care
card is given to the international student who has a valid study visa. Some
services aren’t included in the plan, viz. dental care, vision care,
prescription medications and some diagnostic testing services.
Services like Hospitalization for a number of days is partially covered and stay at the hospital for a very long time could be expensive and is not covered under this policy, so it’s advisable to go for Private Health Insurance in Canada.
3. Private Health Insurance
To have a private health insurance is all the more beneficial for an international student as it offers better health services. Provincial Health insurance depends upon the province you are staying in, and it does not work in another province. Every plan varies from region to region. And when you need medical assistance in other provinces, a private health insurance plan is the best option to go for. It covers the cost of staying at the hospital, prescription drugs, dental expenses, private hospital rooms, ambulance services, etc. It is advisable for the international student to have a private health insurance in Canada, it actually is a great help in case of any medical emergencies. A student is fully secured under this plan.
Choosing insurance plans could
be a bit confusing, so it’s better to take guidance from experts. Canam
Consultants will help you choose among the different plans and suggest you the
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