Travel Insurance


Congratulations on your continued education. The decision to study outside of your province or country of residence is a big one. Chances are good that you’ve got a lot on your mind. But don’t forget to think about your health coverage.

Outside your province of residence, your provincial health care plan offers limited coverage for emergency medical care. StudentPlan from GMS helps fill those gaps helping you and your family feel safe so you can focus on your education.

StudentPlan (available to students under age 55) provides emergency medical coverage up to $2,000,000 with 17 comprehensive benefits including the cost of ambulance service, hospital rooms, treatment by a doctor, diagnostic tests and in-hospital drugs.

As an option, the plan can cover multiple family members. You can also choose between four and 12 month coverage periods to suit your study terms.

StudentPlan doesn’t stop at the classroom door. It also provides coverage for trips you may take while studying abroad.

And because we know that student finances are tight, we've designed StudentPlan with direct billing options to ensure that you aren’t left out-of-pocket for steep medical expenses.

Sports Participation Coverage

If you play on an official university sports team, you may be at an increased risk of sports-related injury. Unfortunately, your school’s insurance plan may not provide full coverage for such injuries. StudentPlan provides student athletes playing on university athletic teams with coverage over and above their school’s medical coverage.



  Age Single Couple Family
  Under 35 years of age $50.00 $99.00 $149.00
  35 to 54 years of age $77.00 $153.00 $230.00

STUDENTPLAN with Sports Participation Coverage MONTHLY RATES (no deductible)

  Age Single Couple Family
  Under 35 years of age $105.00 $154.00 $204.00
  35 to 54 years of age $161.00 $238.00 $315.00


Benefit Detail
Hospitalization Covers hospital room and board charges, up to semi-private, and charges for intensive and coronary care
Medical Services Covers the cost of treatment by a physician or surgeon
Diagnostic Services Covers the cost of x-rays and other diagnostic tests
Out-patient Treatment Covers the cost of out-patient emergency room charges
Prescription Drugs Covers the cost of prescription drugs and medication prescribed in an emergency situation up to $1,000
Road Ambulance Covers the cost for use of a licensed road ambulance in an emergency situation
Air Ambulance Covers the cost for the use an air ambulance or regularly scheduled airline to transport you back to your province of residence
Special Attendant Reimbursement for the cost of one, return-trip airfare for a medical attendant to accompany you back to your province of residence
Return of Family Member Reimbursement for the cost of one, one-way economy class airfare for an accompanying family member to return to your departure point.
Paramedical Services Covers the cost for the use of an osteopath, physiotherapist, chiropractor, chiropodist, and/or podiatrist
Health Practitioners Covers the cost for the services of a registered mental health professional ($300 maximum per person per year)
Accidental Dental Covers the cost of repair or replacement of natural teeth or permanently attached artificial teeth or the relief of dental pain
Return of Remains Covers the cost of preparation and transportation to the country of origin, or the cost of cremation or burial at the place of death
Family to Bedside Reimbursement for the cost of one airfare for a family member to accompany you at your bedside
Coverage Continuation If hospitalized and your plan expires, your coverage continues until seventy-two (72) hours after discharge from hospital
Out-of-Pocket Expenses Covers accommodations, meals, phone calls and taxi or bus fares incurred by an accompanying family member in the event hospitalization continues after the policy expiry date.
24-Hour Travel Assistance Services Coordination of all medical care, transportation, and repatriation; telephone interpretation services in most languages; monitoring of progress during treatment and recovery by managed care
Sports Participation (extra coverage for Student Athletes) Choose this for students playing official university sports teams; it includes coverage for medical expenses that are a result of participation in their sport.

GMS will pay reasonable and customary charges in excess of coverage from other insurance plans for eligible expenses that result from an accidental injury while playing a sport on a scholarship or waiver of entrance fees.

This is a summary of benefits. Please refer to policy wording for complete details.


Printable application

Policy Wording

Complete details for GMS StudentPlan