Private Medical Insurance In British Columbia

You must have medical insurance during your stay in British Columbia. You must show proof of insurance before starting classes. You can purchase private medical coverage immediately and we recommend you do this on-line before you leave home.

Medical And Hospital Insurance Rates
(59 years and under)
 Who Is Travel UnderWriters?
30 - 365 days
- $1.50 per day per person
Student Insurance
Background
Minimum - 30 days
Maximum - 365 days

INTERNATIONAL STUDENTS INSURANCE PLAN -
Key Features & Benefits
Eligibility - Foreign students enrolled in a recognized institution of learning
Maximum Liability $1,000,000
Pre-existing condition coverage - Yes, if stable 90 days prior to the effective date of the policy
Eligible Medical Expenses - Emergency medical treatment for sickness or injury whether in-patient or out-patient
Follow-up Visit - One (1) following initial emergency treatment
Physician/Surgeon/Anasethetic - Yes
Registered Graduate Nurse - Yes
X-Ray and Laboratory Examination - Yes
Eye Examination - Yes - one (1) visit in a twelve (12) month period
Ambulance - Local/mountain/sea rescue
Maternity Benefits - Yes, provided the pregnancy commenced during the term of insurance
Emergency Dental Expenses Max. $300 for emergency treatment/Max. $3,000 for repair or replacement of whole, sound, natural teeth
Impacted Wisdom Teeth - Max. $100 per policy per tooth
Burial - Max. $5,000 excludes casket
Cremation - Max. $2,500

Physiotherapy/Chiropractic/
Chiropodist/Osteopath/Podiatrist

 - Max. $500 per policy
Psychiatric Expenses - Max. $500 per policy
Family Transportation Expense - Max. $1,000
Return Home for Medical Treatment - Max $2,000
Travel Outside Canada - Includes USA & Mexico as long as the majority of the period of coverage (51%) is spent in Canada
Claim Procedure - Consult the claim guideline in your policy wording
Exclusion - Regular check-ups/long term care or on going care - refer to policy for more exclusions
Refund - Full refund prior to effective date, partial refund if less than 25% use, partial refund if student visa is refused

Deductible
  • Nil
Limit
  • CAD $1,000,000.00
Exclusions and Limitations
  • Routine checkups, general exams, and related visits to the doctor's office are not covered under this policy. This policy does not cover expenses incurred for eyeglasses, contact lenses, and hearing aids. This policy does not cover claims caused by or resulting from:
  • Intentionally self-inflicted injury while sane or insane.
  • Participation in any professional athletics, acrobatics, stunt flying, hang gliding, or any racing or speeding contests.
  • Coverage in the USA is limited to 14 days and is for emergency treatment only.

Administered by: Travel Underwriters
The language on this page may not be the same as the legal and technical terminology found in the official Policy wording.
In all instances, the official Policy wording will prevail.
For complete details, refer to the policy wording which is available upon request.

A government medical plan, BC Medical Services Plan, is available after a 3 month waiting period. To qualify you must have a student authorization and be in British Columbia longer than 6 months.
"As a not-for-profit operation our study abroad program could not refund fees when clients had to withdraw due to illness or accident, so many of them were asking for insurance over and above the standard travel coverage. Parksville Insurance Service provided exactly the coverage our clients had been asking for, at a very reasonable rate and with prompt and courteous service. The company did everything necessary to understand the clients' needs from the inside."
John Black, Co-ordinator
Liberal Studies Abroad, Malaspina University-College
"The people at Parksville Insurance were extremely knowledgeable and helpful in providing a policy that suited our unique needs. They offered free advice and examples of similar policies which helped us in making our international conference a success."
Esther Groenhof, MA, RCC, Membership Secretary for INPM (International Network on Personal Meaning).


Click here for our International Student Insurance Form
Click here for Visitor Claim Form