Canada is one of the most welcoming destinations for international students, offering top-ranked universities and a high quality of life. But healthcare isn’t entirely free — especially for overseas students. That’s why student health insurance is mandatory in most provinces. In 2025, students have multiple options to stay covered without overspending.
This guide explores the best student health insurance options in Canada (2025), focusing on affordability, coverage, and convenience.
Why International Students Need Health Insurance in Canada
- Visa requirement – Most provinces require proof of insurance for study permits.
- Healthcare gaps – Doctor visits may be covered, but dental, vision, and prescriptions often aren’t.
- Unexpected costs – Without insurance, hospital bills can be thousands of dollars.
- Peace of mind – Coverage ensures students can focus on studies, not medical expenses.
Student Health Insurance Options in Canada (2025)
1. University-Sponsored Health Plans
- Why it’s useful: Many universities automatically enroll international students.
- Highlights:
- Coverage for doctor visits, hospital care, prescriptions, and sometimes dental.
- Included in tuition fees.
- No extra application required.
- Best for: Students who want hassle-free coverage.
2. Manulife Student Plans
- Why it’s popular: Flexible, affordable, and trusted.
- Highlights:
- Covers emergency medical care, hospital stays, and prescriptions.
- Optional dental and vision add-ons.
- 24/7 support across Canada.
- Best for: Students seeking comprehensive coverage outside university plans.
3. Blue Cross International Student Plans
- Why it stands out: Affordable premiums with wide acceptance.
- Highlights:
- Strong emergency medical and prescription coverage.
- Travel health insurance included.
- Discounts for younger students.
- Best for: Budget-conscious international students.
4. Guard.Me International Insurance
- Why it’s strong: Partnered with many Canadian institutions.
- Highlights:
- Approved by colleges/universities directly.
- Covers medical care, hospitalization, and prescriptions.
- Affordable monthly premiums.
- Best for: Students at partner schools.
5. Provincial Health Plans (Where Available)
- Why it’s important: Some provinces let international students access public health.
- Examples:
- BC (MSP): Mandatory enrollment for students staying 6+ months.
- Saskatchewan: Provides public health coverage for international students.
- Quebec: Reciprocal agreements with some countries.
- Best for: Long-term students in provinces offering public coverage.
Average Cost of Student Health Insurance in Canada (2025)
- University plans: CAD $600 – $1,000/year.
- Private student plans (Manulife, Blue Cross, Guard.Me): CAD $50 – $100/month.
- Provincial health (where available): CAD $75 – $90/month.
Tips for Students Choosing Health Insurance
- Check if your university plan is mandatory – Many include it in tuition.
- Compare private vs public options – Costs vary by province.
- Look for extras – Dental and vision coverage is often needed.
- Ask about travel coverage – Handy if you plan trips to the U.S. or home.
- Don’t double pay – If you already have provincial coverage, you may opt out of private.
Final Thoughts
Health insurance is non-negotiable for international students in Canada.
- University plans are the simplest option.
- Manulife and Blue Cross provide affordable alternatives.
- Guard.Me works best if your school has partnerships.
- Provincial plans are a bonus in BC, Saskatchewan, and Quebec.
With the right plan, you can study in Canada stress-free knowing your health is protected.