Insurance may seem like an unnecessary expense when you are already paying high tuition, but the cost of being uninsured in Canada can be devastating. A single emergency room visit without coverage can cost $2,000 to $10,000. A stolen laptop can set your studies back months. Here, we explain what insurance you need as an international student in Canada, what your university plan covers, and how to fill coverage gaps affordably.
University Student Health Plan (Mandatory)
Many Ontario institutions enroll international students in UHIP or another school-arranged plan because study-permit holders are generally not eligible for OHIP solely on that status. Costs and covered services vary by institution and policy year, and dental, vision or prescriptions may require a separate student benefits plan. Confirm the current plan documents with your school.
Supplemental Health and Dental Plans
Most student unions at Canadian universities administer supplemental health and dental plans that cover items not included in provincial health plans: dental checkups and fillings, prescription glasses, physiotherapy, massage therapy, mental health counselling, and prescription medications beyond provincial drug benefits. These plans are often opt-in and cost $200 to $500 per year.
Travel Insurance for Trips Home
When you travel home or to other countries during study breaks, your Canadian provincial health coverage does not travel with you. Purchase travel insurance before each international trip. Coverage should include emergency medical, trip cancellation, and travel delay. Cost: $30 to $150 per trip depending on destination and duration. Blue Cross and Manulife offer good student travel plans.
Tenant or Renter Insurance
If you live off campus, strongly consider tenant insurance to protect your belongings (laptop, phone, furniture) and provide liability coverage if something goes wrong in your rental. Many Canadians do not know that if your laptop is stolen from your apartment your landlord is not responsible. Tenant insurance covers your belongings. Cost: $15 to $30 per month.
Life and Disability Insurance
Life and disability insurance are less critical for most students but worth considering if you have significant financial obligations back home or family members who depend on your income. Some student union plans include a basic life insurance component.
Bundle tip: Many insurance companies offer student bundles combining health, dental, and travel coverage at lower cost than purchasing separately. Ask your university student union about their plan options before buying individual coverage.
Written and reviewed by the GuideCAN Editorial Team
Editorially reviewed for clarity, practical usefulness and alignment with the official starting points listed below.
Official sources
Official rules, fees, deadlines and program availability can change. Confirm the current details before acting.