School medical plan
Ask whether the school has mandatory coverage and whether waiver provisions apply.
Coverage while studying in Canada · Ottawa, Ontario
International Student Health Insurance in Canada
For students arriving in Ottawa and elsewhere in Ontario, medical coverage must be understood before the program begins. First check the institution’s mandatory plan and provincial eligibility, then review any additional protection.
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Coverage explained
How does student health coverage work?
The Government of Canada does not pay for international students’ medical costs. Health insurance arrangements differ by province, school and program. Some institutions require enrolment in a specific plan, while others have different rules.
A private plan may be useful for eligible gaps, dependants, or a period before institutional benefits begin—but check whether you can or should buy it before paying for duplicate coverage.
Make an informed decision
Six things to compare before you buy
Insurance coverage and exclusions vary by insurer and policy. These questions help you compare more than the advertised premium.
Arrival timing
Verify whether coverage starts on arrival, semester start or another date.
Provincial eligibility
Requirements vary by province, status and residence; do not assume OHIP eligibility.
Emergency versus routine care
Review doctor, hospital, prescription and emergency services separately.
Dependants
Spouse and child coverage may require additional enrolment or separate policies.
Sports and activities
Check exclusions for organized sports, travel or particular school activities.
Side-by-side considerations
International Student Insurance: practical comparison guide
| Student situation | What to verify | Who to contact |
|---|---|---|
| New first-year student | Mandatory school plan and effective date | International student office |
| Accompanying spouse or child | Dependent eligibility and premiums | School/provider |
| Arriving before classes | Gap before plan begins | School and licensed advisor |
| Leaving Ontario to travel | Out-of-province/country protection | Insurer assistance line |
This comparison is educational. It is not a representation of a specific insurer's contract.
Common questions
Frequently asked questions about international student insurance
Does Canada provide free health insurance to international students?
No universal federal student medical plan is provided. Coverage depends on province, school and the student’s eligibility.
Does every university have the same insurance?
No. Plans and eligibility rules vary by institution and province.
Can private insurance replace my school plan?
Not always. Check whether the school mandates a specific plan and whether waivers are allowed.
Can my spouse or child be covered?
Coverage depends on the school or private plan’s dependant rules and eligibility.
Should I insure the period before orientation?
Check your effective date and consider eligible protection for any uncovered period, subject to policy terms.
Primary information sources
Content reviewed October 2026. Official requirements and insurer policies may change.
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