Manulife Student Insurance

Manulife Student Insurance offers full-time students studying away from home a comprehensive way to protect themselves against emergency medical costs and basic healthcare expenses. Coverage of up to $2,000,000 is available for inbound international students studying in Canada, outbound Canadian students studying abroad, and national students studying in another Canadian province or territory. Family coverage is also available for immediate family members residing with the student. Plans are underwritten by The Manufacturers Life Insurance Company and First North American Insurance Company (FNAIC), a wholly owned subsidiary of Manulife, and are available across Canada through OnVoyage, a licensed insurance broker.

Available Plans

Eligibility

• Full-time student with proof of admission or enrollment in an accredited academic institution; or
• Student completing post-doctoral research; or
• Dependant or spouse of an eligible student
• Must be under age 40 at the time of application
• International students must have a valid study permit
• Canadian students must be covered under a government health insurance plan from a Canadian province or territory (Outbound and National plans)

Key Benefits

Hospital & Medical

• Maximum coverage up to $2,000,000
• Hospital: up to 60 days for injury or illness; up to 30 days for psychiatric care
• Outpatient and emergency services
• Physician services plus up to 5 follow-up visits
• Prescription drugs (30-day supply)
• Paramedical services: $70/visit, up to $700 (chiropractor, osteopath, physiotherapist, podiatrist, others)
• Psychiatric care up to $5,000
• Trauma counseling: up to 6 visits
• Private duty nursing: up to $15,000 in hospital; up to $10,000 for health services
• Medical appliances and diagnostic services
• Rental of essential medical appliances
• One medical exam and one eye exam per year

Dental

• Accidental dental injury: up to $2,500
• Emergency dental pain relief: up to $100
• Wisdom tooth extraction: up to $250 per tooth

Transportation & Evacuation

• Licensed ambulance: up to $5,000
• Emergency medical evacuation: up to $100,000
• Family to bedside and subsistence allowance: up to $4,500 combined
• Repatriation of remains: up to $25,000

Additional Benefits

• Tuition reimbursement: up to $5,000 if unable to complete the academic term due to a covered emergency
• Trip break: return home during the policy period for up to 21 consecutive days
• AD&D (Accidental Death & Dismemberment): up to $10,000

Key Exclusions

• Pre-existing medical conditions known before the effective date of coverage
• Treatment not directly related to emergency care
• Routine check-ups, elective treatments, and rehabilitation
• Pregnancy, childbirth, and related complications
• Mental health conditions beyond the stated limits
• Self-inflicted injuries or suicide attempts
• Use of alcohol, drugs, or intoxicants
• High-risk activities and extreme sports
• War, civil unrest, or participation in illegal acts

Claims & Emergency Assistance

Contact Manulife Travel Assistance as soon as possible in a medical emergency. The toll-free emergency assistance number is printed on your insurance certificate. For non-emergency claims, submit documentation to Manulife's claims department as directed in your policy wording. For general customer service: 1-800-268-3763.

Frequently Asked Questions

Who is eligible for Manulife Student Insurance?

Full-time students under age 40 studying away from home. This includes international students in Canada (Inbound), Canadians studying outside Canada (Outbound), and Canadians studying in another province (National). Spouses and dependent children residing with the student are also eligible.

What is the maximum coverage?

Up to $2,000,000 in maximum medical coverage per person, including hospital care, physician services, diagnostic tests, paramedical services, prescription drugs, and emergency evacuation.

What dental coverage is included?

Dental coverage includes accidental injury up to $2,500, emergency pain relief up to $100, and wisdom tooth extraction up to $250 per tooth. Routine dental care is not covered.

Is tuition reimbursement available?

Yes. If a covered medical emergency prevents the student from completing the academic term, tuition reimbursement of up to $5,000 is available.

Can family members be covered?

Yes. Immediate family members residing with the student — including a spouse and dependent children — can be added to the policy.