Studying abroad in the USA or Canada is a life-changing experience. You get to explore new cultures, receive a world-class education, and build an international network — but along with these opportunities comes an important responsibility: health insurance.
If you’re an international student, you may already know that medical care in the USA and Canada can be expensive. The right student health insurance plan can save you thousands of dollars and give you peace of mind during your studies. This guide explains everything you need to know about health insurance for international students in the USA and Canada — including costs, options, and tips to choose the best plan.
Why Health Insurance Is Crucial for International Students
Health insurance isn’t just a nice-to-have — in many cases, it’s required. Here’s why it matters:
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Protects Your Finances: A doctor’s visit in the U.S. can cost $100–$200, and an emergency room visit can exceed $1,000. Without insurance, these costs are entirely out-of-pocket.
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Meets Visa & School Requirements: F-1 visa students in the USA and study permit holders in Canada are often required to show proof of health insurance.
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Gives Peace of Mind: You can focus on classes, research, and student life without worrying about surprise medical bills.
Health Insurance for Students in the USA
The United States has a private healthcare system, so buying health insurance is essential. Here are your main options:
1. University-Sponsored Health Insurance
Most universities in the USA offer a student health insurance plan that is billed along with tuition fees. These plans typically:
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Cover doctor visits, hospitalization, emergency care, mental health, and prescriptions
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Meet F-1 visa and school compliance requirements
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Provide on-campus health clinic access
Average cost: $2,000–$4,000 per year.
Tip: Some schools let you “waive” their plan if you show proof of equivalent coverage. This could save you money if you find a cheaper private plan.
2. Private Health Insurance Plans
Private international student health insurance plans can be more affordable than university plans, but make sure they meet school requirements.
Popular providers:
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ISO Student Health Insurance
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International Student Insurance (ISI)
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IMG Global
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Compass Student Insurance
Look for plans that include:
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Minimum $100,000 annual coverage
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Emergency medical evacuation and repatriation
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Low deductibles ($250 or less recommended)
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Mental health coverage
3. ACA Marketplace Plans
Some students may be eligible for Affordable Care Act (ACA) marketplace plans, especially if they have been in the U.S. long enough to be considered a resident for tax purposes. These plans can be cheaper if you qualify for subsidies, but many F-1 students are exempt from ACA requirements in their first five years.
Health Insurance for Students in Canada
Canada is known for its public healthcare system, but not all international students are automatically covered. It depends on which province or territory you study in.
1. Provincial Health Coverage
Here’s how it works by province:
| Province / Territory | Coverage for International Students | Notes |
|---|---|---|
| British Columbia (BC) | Yes (MSP) | Mandatory enrollment, CAD $75/month |
| Alberta | Yes | Free, must register after arrival |
| Saskatchewan | Yes | Free provincial coverage |
| Newfoundland & Labrador | Yes | Free coverage for students |
| Ontario | No | Must buy University Health Insurance Plan (UHIP) |
| Quebec | Partial | Some countries have reciprocal agreements; others must buy private coverage |
| Manitoba, Nova Scotia, PEI | No | Private health insurance required |
2. University Health Plans
In provinces without public coverage, universities offer a Student Health Insurance Plan (such as UHIP in Ontario). This covers:
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Doctor visits and hospital stays
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Emergency care
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Diagnostic tests
Average cost: CAD $500–$1,000 per year.
Many universities also offer extended health and dental plans for additional coverage.
3. Private Insurance
If you need extra protection — like coverage for dental, vision, or international travel — you can buy supplemental private health insurance from providers such as:
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Guard.me
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Ingle International
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StudyInsured
Key Terms You Should Know
Understanding basic health insurance terminology will help you choose the best plan:
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Premium: The monthly or yearly cost of your insurance plan.
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Deductible: The amount you pay before the insurance starts covering costs.
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Co-pay: Fixed cost for a doctor visit or prescription.
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Coinsurance: Percentage you pay after meeting the deductible.
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Out-of-Pocket Maximum: The most you’ll pay in a year for covered services.
How to Choose the Best Student Health Insurance Plan
Here are some practical tips:
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Check Your University’s Requirements: Some schools do not allow waivers, while others accept private plans that meet minimum coverage standards.
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Compare Costs & Benefits: Don’t just pick the cheapest plan — compare deductibles, co-pays, and coverage limits.
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Consider Your Health Needs: If you have pre-existing conditions or take medication regularly, confirm that they are covered.
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Look at the Provider Network: Choose a plan with hospitals and doctors near your campus.
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Add Dental/Vision if Needed: Many student plans don’t automatically include these.
Average Costs
| Country | Average Annual Cost | What It Covers |
|---|---|---|
| USA | $2,000 – $4,000 | Comprehensive medical, prescriptions, mental health |
| Canada | $500 – $1,000 | Provincial or university plan (basic medical) |
Helpful Resources
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USA: Healthcare.gov – for ACA marketplace plans
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Canada: Check your provincial health ministry website for coverage details
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Student Insurance Providers: ISO, Guard.me, ISI, IMG Global
Final Thoughts
Choosing the right health insurance for international students can seem overwhelming, but it’s one of the most important steps you can take to protect yourself while studying abroad.
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In the USA, private coverage is essential and often mandatory through your university.
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In Canada, coverage depends on the province — you may qualify for free provincial health insurance or need to purchase a university plan.
Either way, the key is to research early, compare options, and choose a plan that balances affordability with comprehensive coverage. That way, you can enjoy your study abroad experience knowing you are protected from unexpected medical expenses.