Frequently asked questions (FAQ)

Students

Please contact us at 1-877-421-0157 (ET) 8:30 a.m. to 8:00 p.m., Monday to Friday.

Please refer to the Government of Canada website for their recommendation on this matter: https://travel.gc.ca/travelling/documents/travel-insurance

Government health insurance plans do have limits on the reimbursement of the emergency medical expenses incurred while in another province. For example, air and ground ambulance costs, emergency dental treatment and prescription drugs, as well as follow-up visits or outpatient visits or non-emergency medical services, might not be covered outside the province or territory of residence. Unlike Canadian provincial or territorial government health insurance plans, Scotia Travel Insurance for Students also offers tuition protection in the event of a medical emergency. For maximum protection you should purchase additional medical coverage even while travelling within Canada. You can also insure your spouse and children who will live with you while you are covered under this certificate.

This coverage is available up to and including the age of 44. Any dependent children covered under your family plan must be a minimum of 30 days old.

If you already have coverage, simply call Customer Service. You may be able to extend your coverage, as long as:

  

  1. your period of coverage does not extend beyond 365 days;
  2. you remain eligible for insurance under this plan;
  3. we have received the extension requests prior to the expiry date of your existing certificate issued by us; and
  4. there has been no change between single or family coverage.

 

Note:

For certificate extensions, no losses or expenses or benefits will be paid for any illness or injury which first appeared, whether diagnosed or not, or for which treatment may or may not have been received, prior to the effective date of the extension of coverage under this certificate.  If you have a medical condition or pending claim, approval of the extension is subject to the approval.

Yes.

Yes, you will need to purchase a family plan and have the parent’s children named on the application and listed on your confirmation of coverage.

The Scotia Travel Insurance for Students plan applies no deductible amount to claims.

In the event of a medical emergency, you are eligible for coverage regardless of whether you are treated in a clinic, doctor’s office or hospital.  However, it’s important that you contact our Assistance Centre prior to receiving any treatment.

We ask you to call our Assistance Centre so that we can confirm your enrolment under the plan and, with the healthcare provider, manage the benefits in accordance with your certificate.  By calling the Assistance Centre, you may avoid out-of-pocket expenses. If you do not call, you will have to pay 20% of the medical expenses normally covered under this insurance.  If it is medically impossible for you to call, please have someone call on your behalf. It is your responsibility to ensure that the Assistance Centre has been notified.
As outlined under your plan, it is essential that you contact our Assistance Centre prior to receiving medical treatment. The Assistance Centre has existing relationships with certain medical providers all over the world to help ensure emergency situations are handled as smoothly as possible. Our Assistance Centre will communicate with your medical provider, arrange direct billing where possible and coordinate payment for the emergency service received.  
The Assistance Centre will explain coverage, monitor care, pre-approve treatment and confirm enrolment to the service provider and explain the coverage to healthcare providers to help ensure that medical services are provided in accordance with the benefits of your certificate.

Manulife will provide a confirmation for the premium payment, which is an official receipt recognized by Canada Revenue Agency.

The Assistance Centre will explain coverage, monitor care, pre-approve treatment and confirm enrolment to the service provider and explain the coverage to healthcare providers to help ensure that medical services are provided in accordance with the benefits of your policy.

Under this certificate , the maximum number of coverage days is 365 days. Upon expiry of a certificate that has been in effect for 365 days (366 days in a leap year), you may purchase another student certificate for the following term if you are eligible for coverage.

If your home country is Canada and you have purchased coverage for an outbound trip, you are covered for emergency and Wellness Benefits (non-emergency medical benefits) while travelling outside Canada for the period of coverage shown on your confirmation.

If your home country is not Canada and you have purchased coverage for an inbound trip, you are covered for emergency medical benefits while you travel outside Canada, excluding your home country, for periods of up to fifteen (15) consecutive days, provided your travel outside Canada does not exceed 49% of your period of coverage and as long as your travel outside Canada originates and terminates in Canada.

Yes. The Trip Break benefit offers up to twenty-one (21) consecutive days for a return home if you have requested and received prior approval from our Assistance Centre. Your coverage will be suspended but will not terminate while you are home. Your suspension of coverage will end and your coverage will be reinstated when you arrive in Canada if you are inbound, or when you leave Canada if you are outbound, or when you leave home if you are a national student. There will be no refund of premium for any of the days during your Trip Break. Note: this certificate will not cover any expenses or benefits relating to any emergency medical and/or non-emergency medical services for any injury that occurred or sickness that started during your Trip Break.

Travelling Canadians

Please contact us at 1-877-421-0157 (ET) 8:30 a.m. to 8:00 p.m., Monday to Friday.

Please refer to the Government of Canada website for their recommendation on this matter: https://travel.gc.ca/travelling/documents/travel-insurance

You can choose to purchase coverage for the entire time you are away from your province of residence or just for the portion of your trip that is away from Canada. In other words, the effective date of coverage can be either the last day you are in your province of residence or the last day you are in Canada. As government health insurance plans vary among the provinces and most do not provide emergency return home benefits, you should consider coverage for the full length of your trip.

Government health insurance plans do have limits on the reimbursement of the emergency medical expenses incurred while in another province. For example, air and ground ambulance costs, emergency dental treatment and prescription drugs might not be covered outside your province of residence. For maximum protection, purchase additional medical coverage even while travelling within Canada.

Yes. Scotia Travel Insurance allows top-up coverage of another insurer’s plan. You are responsible for ensuring that your current coverage is in force and allows top-up. Your top-up coverage is subject to the terms and conditions of the Scotia Travel Insurance plan.

If you are already on your trip, you can extend coverage by calling Customer Service provided there has been no claim, no injury, sickness, or symptom has occurred that would give rise to a claim, or a change in your health. In addition, you must request the extension before your coverage expires and pay the appropriate premium. If you have a medical condition or pending claim, approval of the extension of your coverage is subject to approval.

If you have a Multi Trip Plan, you must top up your coverage before you leave home by purchasing an Emergency Medical Top-Up plan for the additional number of days beyond the duration provided by your Multi Trip.

Scotia has a travel insurance plan specially designed for International students in Canada as well as for Canadian students studying abroad or within Canada but away from their principal province or territory of residence. See the applicable certificate for details.
Yes, grandchildren fall under our definition of a child but the grandchild must be named on the confirmation, you must pay the premium for Family Coverage, and all travellers covered under family coverage must be under 60 years of age.
Actually, you can buy family coverage. All children that are siblings can be covered under family coverage provided that they are dependent on you and are under age 21 or age 26 if they are a full time student and listed on the confirmation of coverage. 

Yes.

Yes, you will need to purchase a family plan and have the parent’s/grandparent's children/grandchildren listed on the confirmation of coverage. Family coverage for all family members must start and end on the same dates.

The published rates for all plans include a zero deductible. The following deductible options and savings are available for the Single Trip Emergency Medical Plan and the Multi Trip Emergency Medical Plan:

Default table styling
Savings on premium Deductible amount($CAD)
10% $500
15% $1,000
30% $5,000
35% $10,000

Please note: Deductible amounts apply to emergency medical coverage only. Deductible options are not available on the Single Trip All Inclusive plans or the Multi Trip All Inclusive plans.

Yes, if a breakdown of your car prevents you from travelling on your expiry date, we will extend coverage for up to 72 hours.

A medical emergency is eligible for coverage if treated in an outpatient clinic or doctor’s office. You must contact our Assistance Centre prior to receiving any treatment.

We ask you to call our Assistance Centre so that we can confirm your enrolment under the plan, and, with the healthcare provider, manage the benefits in accordance with your certificate.  By calling the Assistance Centre, you may avoid out-of-pocket expenses. If you do not call the Assistance Centre, you will have to pay 20% of the medical expenses normally covered under this insurance. If it is medically impossible for you to call, please have someone call on your behalf. It is your responsibility to ensure that the Assistance Centre has been notified.
As outlined under your plan, it is essential that you contact our Assistance Centre prior to receiving medical treatment. The Assistance Centre has existing relationships with certain medical providers all over the world, to ensure emergency situations are handled as smoothly as possible. Our Assistance Centre will communicate with your medical provider, arrange direct billing where possible and coordinate payment of the emergency service received.
Manulife will provide a confirmation for the premium payment, which is an official receipt recognized by Canada Revenue Agency.

In order to be covered under this plan, children have to be at least 30 days old.