If you are planning to study in Canada in 2025, one of the most important things you will need is health insurance. As an international student, you are far from home and medical care in Canada can be very expensive if you are not covered. Many students get confused when it comes to choosing the right insurance. Some plans are too costly, while others do not cover basic needs like doctor visits or emergency care. That’s why we have created this simple guide just for you.
In this article, we will walk you through the 5 cheapest and most trusted student health insurance plans in Canada for 2025. We will also explain what to look for in a plan, how Canada’s healthcare system works, and how to pick the best option based on your needs. Let’s dive in and save you time, money, and stress
2. Why Health Insurance is Important for International Students in Canada
Canadian Health System Overview
Canada has a great healthcare system, but here is a reason it is mainly for Canadian citizens and permanent residents. If you are an international student, you are usually not covered under public health insurance unless you are in certain provinces like British Columbia or Alberta.
This means you will need private health insurance to pay for doctor visits, hospital stays, emergency treatment, or even a simple prescription.
Why Private Insurance is Needed
Without insurance, a single emergency room visit in Canada could cost you $1,000 or more. Even a small injury or fever could turn into a financial burden.
Here is how private insurance helps you with:
- Covers hospital bills
- Doctor consultations
- Lab tests and x-rays
- Prescription medicine
- Mental health support (in some plans)
3. What to Look for in a Student Health Insurance Plan
When choosing a Student health insurance plans in Canada as a student, it is important to understand what exactly you are paying for. Do not just pick the cheapest one look for value!
Here are the 3 most important things you should check:
3.1 Coverage
Coverage means what the insurance company will pay for if you get sick or injured. Some plans only cover big emergencies, while others also include regular doctor visits. Look for plans that cover:
- Emergency room visits
- Hospital stays
- Prescription medicines
- Regular check-ups
- Mental health support
Personal Tip: A good student plan will also cover dental and vision (eye check-ups), but these may cost a bit more.
3.2 Monthly Cost
Students are already managing tight budgets, right? So make sure the monthly premium (the amount you pay every month) is affordable.
Most student plans in Canada range from $40 to $80 CAD/month.
But remember: cheaper isn’t always better. Balance cost with coverage.
3.3 Claim Process
Imagine you are getting sick and needing help fast but the claim process is slow and complicated. That’s a nightmare! Choose a plan with:
- 24/7 customer support
- Simple online claim process
- Fast approval time
Read reviews if you can—other students often share their real experiences online.
4. Top 5 Cheapest Student Health Insurance Plans in Canada (2025)
Now let’s get to the real deal the best affordable health insurance options for students in Canada.
4.1 Plan 1: Guard.me
Why it’s great:
- Designed especially for international students
- Affordable and easy to sign up online
- Coverage includes medical emergencies, doctor visits, and even mental health services
Cost: Starts at $2/day
Website: guard.me
Best for: Students who want a complete and reliable plan at a low cost.
4.2 Plan 2: Student VIP
Why it’s great:
- Offers flexible plans based on your university or college
- Covers emergency care, prescriptions, and travel insurance
Cost: Around $55–$65/month
Website: studentvip.ca
Best for: Students looking for custom plans that match their school’s requirements.
4.3 Plan 3: Allianz Global Assistance
Why it’s great:
- Internationally trusted company with 24/7 support
- Strong coverage for hospitalization and emergency treatment
Cost: Around $60/month
Website: allianz-assistance.ca
Best for: Students who want global support and a brand name they can trust.
4.4 Plan 4: Sun Life Financial Student Plan
Why it’s great:
- Offers online tools and claim tracking
- Includes dental and vision add-ons
- Good coverage for doctor visits and prescriptions
Cost: Varies by university, usually $50–$70/month
Best for: Students looking for a plan from a well-known Canadian provider.
4.5 Plan 5: Blue Cross Canada
Why it’s great:
- Known for quick claims processing
- Offers plans for students in specific provinces
- Covers most health needs including specialist visits
Cost: Around $65/month
Website: bluecross.ca
Best for: Students in Quebec or Ontario, or those needing provincial-specific coverage.
5. How to Choose the Right Plan for You
Choosing a health insurance plan as a student doesn’t have to be confusing. Think of it like shopping for a phone plan you want something that fits your needs without breaking your budget.
Here are 4 simple steps to help you pick the right student health insurance plan:
✅ 1. Set Your Budget
Start by deciding how much you can afford to pay each month. Most plans range between $40–$80/month. Keep in mind: cheaper is not always better if it doesn’t cover what you need.
2. Know What You Need
Ask yourself:
- Do I need coverage for emergencies only or also regular check-ups?
- Will I need prescription medicines, mental health support, or dental care?
- Am I planning to travel within or outside Canada during my studies?
Your answers will help you to choose a plan that matches your actual health needs.
3. Check Your Province and School Policy
Some provinces like British Columbia (BC) or Alberta include international students in their public health coverage.
Also, many colleges/universities offer pre-approved group plans. These are often cheaper and may already be part of your tuition fee.
Personal suggestion: Before buying a private plan, check if your school offers one.
4. Look at Reviews and Support
You don’t want a plan that disappears when you actually need it. Make sure the provider has:
- Good customer reviews
- Easy claim process
- 24/7 student support
Here’s a Quick Recommendation List:
✅ If you want a cheap but complete plan → Guard.me
✅ If your college recommends a provider → Student VIP
✅ If you want international coverage and trusted name → Allianz
✅ If you need extras like dental or vision → Sun Life
✅ If you are studying in Quebec or Ontario → Blue Cross
💡 Extra Tip:
Always read the plan summary or ask the company for a sample policy document. This will show exactly what’s included and what’s not so there are no surprises later.
Frequently Asked Questions
Q1: What is a Student Health Insurance Plan in Canada?
A Student Health Insurance Plan in Canada helps to cover medical expenses like doctor visits and hospital stays for students while they study in Canada.
Q6: Are dental services included in Student Health Insurance?
Basic plans often do not include dental coverage, but you can add dental coverage or purchase a separate dental insurance plan.
Q7: What if my university offers health insurance?
If your university provides health insurance, you may not need an additional plan. Just ensure it covers your healthcare needs while studying.
Q8: What should I do if I need medical care in Canada?
Visit a doctor or hospital covered by your insurance plan. Always carry your insurance card when seeking treatment.
Q9: Can I cancel my Student Health Insurance Plans in Canada?
Yes, you can cancel your insurance plan if you no longer need it, but be sure to follow the cancellation guidelines provided by your insurer.
How much does Student Health Insurance cost in Canada?
The cost for student health insurance in Canada typically ranges from $40 to $80 per month, depending on the provider and coverage
How do I apply for health insurance as a student in Canada?
You can apply through your school’s approved insurance provider or purchase a private plan from companies like Guard.me or Student VIP.
Can I use my Student Health Insurance outside Canada?
Some student health insurance plans offer international coverage. You should check your plan details to confirm if you’re covered when traveling abroad
Does Student Health Insurance Plans in Canada cover mental health services?
Many plans offer coverage for mental health services, including therapy sessions. Check your plan for specific details.
