Travel insurance is different than extended health insurance. While many extended health insurance plans include some coverage for travel, it is often a small amount. If you get sick or injured while outside of Canada, medical costs can add up quickly - especially if you are hospitalized. Because of this, we recommend that you purchase insurance specific for travelling, even if you have some coverage under another plan. This will ensure that you have enough coverage for an emergency. Travel insurance policies can also include benefits or features that are not provided by group health insurance plans; these include non-medical benefits and 24/7 claims and emergency assistance.
You are not required to purchase additional insurance while travelling outside of your home province (but within Canada); however, it is strongly advised to get yourself some anyway. While your provincial health insurance will remain in effect outside of your province of residence, it is limited to expenses which would be covered in your home province. Because of the potential discrepancies in health care coverage from province to province, we recommend purchasing travel insurance. Plans for travel within Canada are available at very reasonable rates.
While age is one of the determining factors for travel insurance, it is different than car insurance in that prices are lowest for young, healthy individuals.
Certain plans that we offer include coverage for interpretation services. These plans will connect you with a foreign language interpreter when communication is necessary for emergency services. We also offer plans that help you communicate with your travelling companion(s) and even relay important messages to your family at home, in the event of a medical emergency.
Whenever possible, the insurance companies will try to coordinate direct payment with the hospital so that you do not have to pay out of pocket. It is important that you contact your insurer's Claims and Emergency Assistance department if you are in need of medical attention. This department will help you get the medical attention you need while attempting to coordinate payment at the facility where you are being treated. However, be aware that some medical facilities may insist on payment up front. If your policy has a deductible, this means that you will be responsible for a portion of the medical expenses incurred. This deductible is a dollar amount that you must pay before coverage kicks in. Deductibles vary from policy to policy, and can be applied on a per-claim or per-trip basis.
Travel insurance plans typically include emergency transportation by land and/or air, as well as remote evacuation to the nearest appropriate hospital or medical facility. It is usually necessary to have air ambulance and remote evacuation benefits arranged and pre-approved by your insurance company; so check with your insurer before you leave for your trip. In the case of an emergency in a remote area, make sure to have a way of contacting your insurance company.
When you purchase a plan, you will receive all of your pertinent policy information via email. Confirmation documents, which include your policy number and the claims/emergency assistance phone number, can be printed from your confirmation email, and carried with you as proof of coverage while travelling.
While all policies define "emergency" differently, in general, an emergency refers to a sudden, unexpected, and unforeseen sickness or injury which requires immediate medical treatment. A cold (or other illness) will only be covered if it falls under your policy's definition of an emergency. It is important that you read your policy wording carefully to make sure that you understand its benefits and exclusions.
Some policies offer coverage for emergency medical expenses related to stable pre-existing medical conditions; however, refills for prescriptions and other routine expenses will not be covered, as these would not be considered emergencies. It's always a good idea to check the limitations and exclusions in your policy wording if you are concerned about what is and isn't covered for pre-existing medical conditions.
Yes, regular travel insurance will not cover risky sports or activities. If you are a Canadian covered under provincial health care or an international traveller (non-Canadian), we offer plans that will cover you for activities like mountaineering.
Travel insurance policies typically exclude expenses pertaining to alcohol or drug use. In most cases, if you are involved in an accident which is directly or indirectly related to alcohol or drug use, you would not be covered. If the accident was totally unrelated to your drinking, this should not affect your coverage. Make sure that you read your policy wording carefully to ensure that you are familiar with the terms and exclusions.
Most plans exclude medical expenses associated with a pre-existing condition that does not meet a *stability requirement for a set period of time before your departure date. Generally speaking, the more serious an applicant’s medical condition, the longer the stability period. It is also important to remember that each insurance policy will have its own unique definition of “stable.” Just because you or your doctor consider your medical condition to be stable doesn’t mean that your insurer will. In most policies, the definition of “stable” often means there have been no changes in treatment, diagnosis, medication, or symptoms for a given period of time. The definition may also mention that you cannot be on a waiting list and/or waiting for test results. If you have a pre-existing medical condition that has been stable for less than six months, you may need to consider a plan which involves a more extensive application process, such as the SRMRM travel health plan. This plan features a very detailed medical questionnaire and informs applicants about which medical conditions will and won’t be covered. * See policy for stability requirements
If you are planning a minimum of two to three trips over the next year, it is likely that a multi-trip annual plan will be more cost effective than separate single-trip plans. A multi-trip annual plan covers you for an unlimited number of trips over the course of a year, with a limit on the number of days you can be away for any one trip. Plans such as ETFS Medi-Select Advantage offer a variety of options when it comes to the numbers of days of coverage per trip, ranging from 9 days to 60 days. If you go on a trip that exceeds the number of days of coverage on your annual plan, you have the option of purchasing a top-up for the extra days.
First, verify what is covered under your group benefits plan, keeping in mind the following: •Overall Limit: Most stand-alone travel medical plans offer coverage that ranges from $2 million to $5 million. With a group benefits plan, coverage can be as low as $100,000. In the event of a major emergency while away from home, this amount may not be sufficient. •Emergency Assistance: Group benefits plans may not include a phone number to call for assistance in the event of an emergency. Emergency assistance services connect you with the services you need, monitor your care, notify your relatives, arrange for your early return home or medical transportation, and much more. •Upfront Payment: Group benefits plans often require that you pay your medical bills up front. You are then expected to submit all original receipts for reimbursement at a later date. •Number of Days: Your group benefits plan may only cover you for a set number of days out of the country. If your group benefits plan does not provide sufficient coverage, you can purchase supplemental travel medical coverage to fill in the gaps.
Most conventional travel medical insurance plans can cover expenses associated with low-risk amateur sports. However, all plans have exclusions for expenses related to more dangerous sports, such as car or motorcycle racing, horse racing, rodeo activities, etc. Make sure to check your policy wording to find out which sports aren’t covered. Conventional travel medical plans will also not cover expenses related to professional sports. If you will be participating in high-risk or professional sports, a specialized travel insurance plan may be able to provide you with the coverage you need. It is also a good idea to check if your team or league will be providing sports coverage.
When you first enrolled in your plan, Ingle International sent you a welcome letter with a wallet card attached. You can find your policy number on both the welcome letter and on your wallet card. If you do not have a copy of your welcome letter or wallet card, please contact us and we will be happy to help.
We will be pleased to replace your wallet card. Please email us at email@example.com, and include your name, date of birth, the name of the school you are attending, and the email address where you would like us to send the replacement.
The search tool helps you locate doctors and other direct-pay medical facilities in your area. It’s as simple as entering the required information and hitting Search! You will need to know the name of your city or postal code, the type of facility you are looking for, and your policy number. The map will instantly direct you to the medical care you need!
It is important to bring the right documents for visits to any type of medical facility. Make sure you have:
- Photo ID
- Your Ingle International wallet card
- A copy of the claim form (Download it here.)
- A list of medications you are taking (if applicable)
- A list of any known conditions or allergies (if applicable)
If you visit a direct-pay medical facility, these providers will bill us directly for any services you receive that are covered under your plan. If you visit a facility outside of the direct-pay network, you will have to pay up front and submit a claim for reimbursement. Even if you are treated at a direct-pay facility, it is still required that you complete a claim form in the event that Ingle International needs to collect more information in order to process the claim. Claim forms can be downloaded here.
Your travel partner, friend, family member or medical provider can call Intrepid 24/7 if you are unable to do so. However, do not assume that someone else has called on your behalf; your policy may limit coverage if you do not call within 24 hours of your medical issue.
Intrepid 24/7 is available 24 hours a day, 7 days a week. By calling this number, you can make sure to get the right treatment, right away. The representative you are speaking with can also help you through the claims process in an emergency.
Some plans have vision coverage. Read your policy wording or call the number listed on your wallet card for information about specific benefits.
Yes. Please refer to the summary of benefits on this website or review your policy wording for information on the amount of time you may spend outside of Canada, or for any restrictions on visits to your country of origin.
If you have questions regarding your claim or the claims process, please contact us at 1-888-386-8888 (toll free) or 416-644-4870 (in Toronto or outside of North America). You can also email us at firstname.lastname@example.org.
Calling the number on your wallet card is always a good idea before you see any doctor. This team will help you find the right care, guide you with submitting your claim, and can even assist with billing. However, for minor to moderate health concerns, you can visit any doctor or walk-in clinic and you are not obligated to call ahead. However, if you need major medical attention, if you are referred for more intensive treatment, or if you are being sent for diagnostic services, you will need to call the emergency assistance number. Our emergency assistance coordinators will assist you in accessing the services you need. They will also monitor your case to ensure that the care you receive is appropriate. Remember - wherever you go for medical care, you will always need to submit a claim form with the details of your visit to the claims department for processing.
Yes, we would be glad to assist you. Use the search tool on this website to find a list of health care facilities in your area. You can also contact us at 1.866.883.9787 if you need further assistance.
Ingle International maintains Canada’s largest direct-pay network of medical facilities through our relationship with medical service providers across Canada. These providers will bill us directly for any services you receive that are covered under your plan. By visiting one of these facilities, you will not be required to pay up front. Call the number on your wallet card before visiting a facility to ensure a smooth process.
Try setting your search to a wider radius to get more results. Alternatively, call the number on your wallet card and the assistance coordinators will find a facility for you.
You can call 1.866.883.9787 at any time if you need help finding a facility. Ingle’s emergency assistance provider, Intrepid 24/7, is available 24 hours a day, 7 days a week.
There may be times when you are asked to provide payment up front. This may occur if a staff member at the medical facility is unfamiliar with our agreement. Remember, you are not required to pay out of pocket if you are receiving treatment from a facility within our direct-pay network. If the facility asks you to pay, call us at 1.866.883.9787, and we will speak with the facility on your behalf. If you do not have our contact information on hand and the facility is insistent, ask for an invoice for the charges. You do not have to pay the bill while you are there, but you will have to submit the invoice and claim form to Ingle International as soon as possible so that we can take care of the payment quickly.
If you are seriously injured or critically ill and need immediate medical attention, always dial 911 first (or the local emergency number where you are travelling). Once you are medically able, contact Ingle’s emergency assistance provider, Intrepid 24/7. From Canada and the United States, call toll free: 1.866.883.9787 From anywhere in the world, call collect: +1 416.640.7865 These numbers are also located on your policy documents and on your wallet card.
Someone should call as soon as possible. It is better to call before you receive medical treatment, but if this is not medically possible, you or someone on your behalf must within 48-hours otherwise your claim may not be fully paid.
Some plans have vision coverage. Read your policy wording or call the number listed on your wallet card for information about specific benefits.
StudyInsured™ insurance pays the costs of medical services if you are unexpectedly sick or injured. Canadian law requires international students to have medical insurance. Without insurance, the cost of medical care in Canada is extremely expensive.
Provincial health plans cover Canadian citizens and permanent residents living in the province. Some provinces, like Alberta and British Columbia, allow international students to use their provincial health care systems, but most do not. Your school may enrol you in a StudyInsured™ insurance plan even if you qualify for provincial health care. Students enrolled in a StudyInsured™ insurance plan may receive benefits that the provincial health plan does not cover, such as paramedical services, repatriation, or family transportation.
Intrepid 24/7™ Assistance is the team of intake specialists and case managers who are there to help you get the best medical care possible if you are sick or injured. They also help with making sure your bills are paid, and they can answer any questions you may have about your StudyInsured™ insurance coverage.
No matter what time of day you need to see a doctor, call Intrepid 24/7™ Assistance for help. Intrepid 24/7™ Assistance operators are available 24 hours a day, 7 days a week. They can also answer questions about your policy or submitting a claim.
A call to Intrepid 24/7™ is recommended each time you receive medical care. The team can help with finding a facility to make sure you receive the care you need. Most importantly, keeping Intrepid 24/7™ informed of your medical case helps you avoid paying out of pocket for medical services. You should note that in major emergencies, if you do not call Intrepid 24/7™ within 48 hours of receiving medical care, your insurance may only pay for part of your expenses. Getting in the habit of calling for something minor will help you remember to call in a major emergency.
If you are unable to call Intrepid 24/7™ for assistance, a travel partner, friend, family member, or school contact may do so on your behalf. It must be noted once again that if you do not notify Intrepid 24/7™ within 48 hours of receiving medical care for a serious illness or injury, your insurance may not pay for your full expenses.
You won't need to pay up front for your medical care if you have a StudyInsured™ insurance plan and you call Intrepid 24/7™ Assistance at 1.866.883.9787 before your visit to a direct-pay facility. If you do not call ahead, or if you go to a medical facility that is not part of our network, you may be asked to pay up front. You will then need to submit a claim in order to get your money back.
Your policy number can be found on your StudyInsured™ wallet card, which was either given to you during a school orientation session, or emailed to you by the school or StudyInsured™.
Some plans cover an eye exam while others don't. It's important to check your policy wording to see if vision care is covered. Most plans will not cover prescription glasses or contact lenses unless your vision was impaired as the result of an injury or illness. Check your policy wording or your summary of benefits on your student insurance website for specific coverage details. Questions about coverage may also be directed to Intrepid 24/7™ Assistance.
Emergency dental care required due to an accident is covered, but must have been received within a specific timeframe after the accident occurred. Some plans cover other dental care, such as care required to relieve dental pain. Most plans do not cover routine dental care. Check your policy wording or your summary of benefits on your student insurance website for specific coverage details. Questions about coverage may also be directed to Intrepid 24/7™ Assistance.
Yes! Your StudyInsured™ insurance gives you worldwide coverage, but you must spend at least 51% of the time your policy is in effect in Canada. The only place you are not covered is your home country, with possible travel restrictions to high-risk countries.
If you are looking for guidance on submitting your claim, call Intrepid 24/7™ Assistance at 1.866.883.9787 (toll-free in North America) or +1.416.640.7865 (from outside of North America). For questions regarding submitted claims, call 1.866.883.9485 (toll-free in North America) or +1.416.640.7862 (from outside North America). You can also email email@example.com.
If your school arranged your insurance, you can contact them to have your information sent via email. If you bought your policy online, send an email to firstname.lastname@example.org, with your name, date of birth, and the email address to where your card should be sent. If you need medical care and do not have your card, call Intrepid 24/7™ Assistance at 1.866.883.9787 and they will send your card via email so you can bring it with you to the medical facility.
If your insurance was arranged by your school, it will only be valid while you are a student of that school. If you have changed schools but you are taking classes somewhere else, go to www.studyinsured.com to buy coverage. If you no longer attend school but are out of your home country, you will need to buy a different type of insurance.
If your insurance was arranged by your school, it's best to contact the school to see if you are eligible for a refund. If you purchased your insurance online, send an email to email@example.com to cancel your insurance and see if you are eligible for a refund. If you meet the requirements for a refund, we'll send you a refund form to complete.
"Eligibility" refers to a list of requirements that must be met in order for you to qualify for insurance. If eligibility requirements are not met, your medical expenses will not be covered by insurance.
An exclusion refers to a medical service or medication not covered by your insurance.
Illnesses and injuries that began before your insurance policy takes effect are called pre-existing conditions. You will have to pay for treatment related to unstable pre-existing conditions while you have StudyInsured™ coverage. This is because StudyInsured™ insurance was designed to cover unexpected injuries or illnesses. Most StudyInsured™ policies will cover pre-existing conditions if they were stable at least 90 days before the start of the policy. Stable means that your pre-existing condition hasn't had any changes (your symptoms haven't changed, you haven't seen a doctor for it recently, and your medication is the same). Check your policy wording or call Intrepid 24/7™ Assistance for more information about how long your pre-existing condition must be stable to receive coverage. Note that you will still be covered by StudyInsured™ for injuries or illnesses that are unrelated to your pre-existing condition, even if your pre-existing condition is not stable. For example, you can visit a doctor for a sore throat even if you have unstable asthma.
A chronic or ongoing condition is an injury or illness that requires regular visits to the doctor to keep the condition stable. Only care that is immediately necessary for new injuries and illnesses is covered. Regular care for injuries or illnesses with planned visits to the doctor is not covered. This exclusion applies regardless of when your injury or illness started. If you have planned routine visits to the doctor for a pre-existing condition, they will not be covered. If, during your coverage period, you are severely injured or diagnosed with an illness that will need continuous care, you may be covered for the cost of your flight back to your home country.
Third-party liability insurance covers costs as a result of you causing injury to a person or damage to property. Since this benefit is not included in all StudyInsured™ insurance plans, it's important to check your policy to see if you are covered.
A primary care practitioner is the first doctor you see about your injury or illness. A secondary care practitioner usually specializes in treating certain conditions.
Direct-pay or direct-billing means your insurance company pays the medical facility directly for covered medical services. Direct-pay facilities are part of a medical network that is managed by the StudyInsured™ assistance team at Intrepid 24/7™. Without direct-pay or direct-billing, you would need to pay for your own medical services and submit an insurance claim in order to get your money back.