Canadian Students

Studying away from home? Bring your coverage with you.

Your provincial plan covers only part of your care outside your home province, and very little abroad. Get up to $2 million in emergency medical, plus counselling, dental and check-ups.

Get a quote →Who it's for
Up to $2M emergency medicalUp to 365 daysExchange programs24/7 assistance

Where are you studying?

Built for Canadian students away from home.

For students enrolled at a school outside their home province, or on exchange through a Canadian school.

Abroad

Studying in another country

  • Your provincial plan pays only a small part of foreign medical bills
  • Covers you for your whole school year, up to 365 days
  • Check whether your host school requires its own plan too
Exchange

On an exchange program

  • Enrolled at a Canadian school, studying elsewhere for a term or a year
  • Cover your exchange dates plus any travel before or after
In Canada

Another province

  • Some costs aren't covered between provinces, like ambulance
  • Fills those gaps for the school year

What's included

What's covered.

Emergency medical while you're studying outside your home province.

$2MMaximum coverage
365Days per policy
24/7Assistance
  • Hospital stays, doctors, ambulance and prescription drugs
  • Counselling and mental health care, up to $1,000 per emergency
  • Accidental dental up to $6,000, and dental pain relief up to $600
  • Physio, chiropractor and other practitioners, up to $600 each
  • Maternity care up to $25,000 (excludes delivery)
  • An annual check-up, STI testing and an eye exam on 180+ day policies
  • Tutoring if you're hospitalized 30+ days, up to $400
  • A family member flown to your bedside if you're hospitalized
  • Emergency flight home, with a medical attendant if needed
  • Glasses, contacts or hearing aids damaged in an accident, up to $200

Worth adding when you quote

Choices you'll make on the quote screen.

Here's what each one means for a student.

Look for these on the quote screen. They're easy to skip past — pick the ones that match what you'll actually be doing.
Plan option

Match your school year

Choose your exact dates, up to 365 days. Pick 180 days or more to unlock the check-up, STI testing and eye exam.

Add-on

Sports & Activities

Add this for higher-risk activities like backcountry skiing or scuba. Varsity and organized team sports may also need it.

Plan option

Add family

A partner or children living with you can go on the same policy.

Plan option

Pre-existing conditions

Covered if they've been stable for 90 days before your coverage starts.

Before you buy

Can you apply?

At the time of application, you're eligible if all of these are true.

  1. You're 40 or younger.
  2. You're a Canadian student enrolled at a school outside your home province, or on an exchange through a Canadian school.
  3. You're covered by your provincial or territorial health plan.
  4. You're not travelling against a doctor's advice.
  5. You haven't been diagnosed with a terminal condition and aren't receiving palliative care.

Your quote, step by step

Every screen you'll see, in order.

Here's what TuGo asks, and what to choose.

  1. 1

    Trip details

    Your home province, where you'll study, your departure and return dates and birthdate. Answer Yes when asked if you're a student.

    Tip: Buy before you leave your home province. Bought after you leave, you lose the 10-day refund.

  2. 2

    Pick the student plan

    Choose the student plan for your dates.

  3. 3

    Sports & Activities

    Only if you'll do higher-risk activities or varsity sports. Type the activity, pick it, and tick your name.

  4. 4

    Review and pay

    Check your name, birthdate and dates, then pay. Quotes are saved for 30 days.

Start my quote →

What happens after you buy

One email. Everything you need.

Minutes after you pay, TuGo emails your policy with three documents attached — plus a few extras most travellers don't know they get.

Policy Declaration

Your policy number, dates, who's covered, every plan and option you chose, and what you paid. Keep it — it's also your receipt for tax purposes.

Digital Coverage Card

Add it to your phone. One tap dials emergency assistance, and US clinics in the UnitedHealthcare network recognise it.

Policy Wording

The full contract. Read it before you travel — especially the exclusions and the pre-existing condition rules.

Included free

  • myTuGo account to change, extend or claim online
  • Free 3GB eSIM (MySIM)
  • MyFlyt lounge pass or cash for 2+ hour flight delays
  • 24/7 emotional support line

10-day full refund. Change your mind? Cancel within 10 days of buying for a full refund, as long as you haven't travelled or claimed.

Save the emergency number now. +1-800-533-8718 for hospitalizations. Call before you're treated whenever you can.

Check every detail. Names, birthdates and dates must be right. Call 1-855-929-8846 if anything needs fixing.

Good to know

Common questions

Doesn't my provincial plan cover me while I'm at school?
Partly. Most provinces keep you covered while you're a full-time student, but they pay only what they'd pay at home. Abroad, that can be a small fraction of the bill.
My host school has its own plan. Do I need this too?
Compare them. Some host-school plans cover only on campus or only during term. This plan covers you up to $2M for your exact dates.
Is counselling covered?
Yes. Up to $1,000 per emergency for a psychiatrist, psychologist, clinical counsellor, psychotherapist or social worker.
What do I do in an emergency?
Call TuGo's 24/7 assistance line first. The number is on your Digital Coverage Card.
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