International Student Insurance TuGo – via Protecto

Through Protecto, get access to the TuGo health insurance plan for international students in Canada. TuGo is one of the best-known Canadian insurers for student coverage, and our financial security advisors offer you the coverage best suited to your program, your age and the length of your studies.

What the TuGo student plan covers

The TuGo Student plan is designed specifically for international students who do not have a provincial health plan. Standard coverage includes:

• Medical emergencies and hospitalization: hospital costs, physician, diagnostic tests, emergency surgery.
• Prescription medications: prescribed as part of a covered medical emergency.
• Emergency dental care: treatment following an accident affecting natural teeth.
• Ambulance transport: ground or air when medically necessary.
• Medical repatriation: return to your home country if your condition requires it.
• Interruption of studies: unexpected costs if a medical emergency forces you to interrupt the term.
• Renewal: the policy can be renewed from one term to the next for the full length of your program.

Coverage amounts typically range from $2,000,000 per incident up to unlimited maximums, depending on the plan chosen.

How much does TuGo international student insurance cost?

The price depends on four things:

• The student’s age: the premium rises significantly after 30, then again after 40.
• The length of coverage: one term, a full academic year, or longer.
• The coverage amount: maximum per incident, and the deductible chosen.
• The province of study: a slight adjustment by jurisdiction.

Declared health also counts, since coverage for a known condition is priced separately. There is no single student rate, and a published range would be wrong for most profiles. Protecto compares TuGo with our other partner insurers on your real profile: over a full academic year, the gap between two plans with equivalent coverage is worth checking. Get your price in a few minutes, with no obligation.

Who is eligible for TuGo student insurance?

The TuGo Student plan is for people who:

• Study full-time at a recognized Canadian college, university or CEGEP;
• Do not have access to a provincial health plan (RAMQ, OHIP, MSP and others), or whose coverage is insufficient;
• Hold a valid study permit or have one in progress;
• Enrol before or shortly after arriving in Canada (a waiting period may apply if you enrol after arrival).

Spouses and dependent children accompanying the student can generally be added to the policy, subject to each insurer’s conditions.

Buying TuGo student insurance through Protecto

The process is simple:

1. Fill in the online quote form (program, dates, profile).
2. Receive a comparison of TuGo against Manulife, Blue Cross and Allianz.
3. Select the plan and pay online (card or monthly payment, depending on the insurer).
4. Receive proof of insurance by email, to present to your institution if required.

Compare student insurance plans →

Frequently asked questions

What is the difference between TuGo and other insurers for international students? TuGo specializes in travel and student insurance and often has competitive rates for under-30s, with direct billing at many partner hospitals. Manulife and Blue Cross offer broader options for pre-existing conditions or older profiles. Allianz stands out for its 24-hour multilingual assistance. The right choice depends on your profile. Comparing through Protecto shows you the real price gap.

Does TuGo student insurance cover pre-existing conditions? Coverage for stable conditions varies by plan. Some TuGo plans cover conditions that have been stable for 90 or 180 days; others exclude them. It is essential to fully disclose your medical history at enrolment to avoid a denied claim.

Does the TuGo plan cover sports and physical activities? Yes, recreational sports are generally covered. Extreme or professional sports (mountaineering, diving beyond certain depths, combat sports) are often excluded or require a rider. Check the exact exclusions before enrolling if you practise a high-risk sport.

Can you buy TuGo insurance after arriving in Canada? Yes, enrolling after arrival is possible, but a waiting period (often 48 to 72 hours) may apply to illness-related claims. There is usually no waiting period for accidents. Enrolling before or immediately on arrival is strongly recommended.

Does TuGo refund the premium if the study permit is refused? Most TuGo plans offer a full refund of the premium if the study permit is refused, provided no claim has been submitted and the refusal letter is provided. Confirm this point with your Protecto advisor before enrolling.