A lot of Canadian universities mandate international students to have adequate travel insurance. Your travel insurance covers health emergencies, lost luggage, flight cancellations, emergency trips home, and personal liability.
Best Insurance Options for Ghanaian Students in Canada:Â
- Guard Me International Insurance: This is an insurance providers with insurance plans tailored for international students. It covers pre-existing conditions, mental health, and offers direct billing. It costs: CAD 55-65/month.
- Allianz International Student Health Insurance: It is a comprehensive medical coverage, 24/7 emergency assistance, and sports injury coverage. It costs CAD 60-70/month.
- MSH International Student: This is an insurance provider with a strong African presence. Their options are flexible.Â
- Manulife Insurance Plans: This insurance provider offers emergency and non-emergency medical benefits. It costs CAD 50-65/month.
- Blue Cross Insurance: They offer full-service coverage, and the average cost is CAD 61.32 per month.
- Tugo: They have Customizable plans, user-friendly platform, and 24/7 customer support.
- Sun Life Insurance:They provide extensive coverage, ensure easy online application, and strong customer support.
Contact IBS Consult for personalized guidance to secure the right insurance for a perfect academic stay in Canada.
Ghanaian students heading to study in Canada need to read this. Do you know having reliable travel insurance is not just a formality but a necessity as a Ghanaian student studying in Canada? You might believe the free Canadian healthcare you read about online, but the truth is there are only a few provinces and territories that offer free healthcare. A lot of provinces require you to purchase private insurance. This is why one of the most important things Ghanaian students traveling to study in Canada should plan for is travel insurance.
Studying abroad is a beautiful adventure, but it also comes with responsibilities. With excellent travel insurance in place, you have access to a range of services that protect you from preventable risks in Canada as a Ghanaian student. You need to get coverage for your emergency and non-emergency medical care. Pay right attention to your healthcare needs while working towards making good grades in Canada.
This guide will enlighten you on everything you need to know about finding the best travel insurance options for your studies in Canada. By this, you can protect your educational journey abroad.Â
Why You Need Travel Insurance
As a Ghanaian student heading to Canada either for long-term or short-term study abroad plan, here Is why you need insurance plans:
- Canadian universities require international students to have adequate health coverage. Without proper insurance, you might face unexpected medical bills that could drain your savings or disrupt your studies.
- Travel insurance covers more than just health emergencies. It can protect you against lost luggage, flight cancellations, emergency trips back home and personal liability issues.
Top Insurance Options for Ghanaian Students
- Guard Me International Insurance
Guardme is a solutions-focused health and wellness insurance provider for international students. It is a perfect insurance option for Ghanaian students because it is:
- Specifically designed for international students
- Widely accepted by Canadian institutions
- Covers pre-existing conditions after a waiting period
- Â Includes mental health coverage
- Offers direct billing at many Canadian healthcare providers.
Monthly cost: CAD 55-65
- Allianz International Student Health Insurance
The Allianz insurance plans are designed to cover your medical needs, ensuring that you are covered when it is required. It is a good insurance option for Ghanaian students because of its:
– Comprehensive medical coverage
– User-friendly claims process
– 24/7 emergency assistance in multiple languages
– Coverage for sports injuries
– Dental emergencies
Monthly cost: CAD 60-70
- MSH International Student Coverage
MSH is a good travel insurance option for Ghanaians studying in Canada. They have provincial and territorial health plans. They are a great option for Ghanaian students because of their:Â
- Flexible coverage options
- Strong presence in Africa
- Easy online application process
- Coverage for chronic conditions
- Repatriation benefits
- Manulife Insurance plansÂ
Manulife offers a range of travel insurance services specifically designed for students studying in Canada. Manulife’s student travel insurance offers essential protection, ensuring that you can focus on your studies without worrying about unexpected medical or travel issues. It is a good insurance option for Ghanaian students because of its:
- Emergency medical benefitsÂ
- Non-Emergency medical benefitsÂ
- Flexible coverageÂ
- Emergency Evacuation CoverageÂ
- 24/7 travel assistance
- Favourable Refund PolicyÂ
Monthly cost: CAD 50-65
Their website: https://www.manulife.ca
- Canadian Blue Cross insuranceÂ
Blue Cross is a well-known insurance provider in Canada. The company offers reliable and affordable insurance plans for international students. Below are some reasons why Blue cross insurance is a good option:
- Full Service Coverage
- Ease of use
- 24/7 assistance and access   Â
Their website: https://www.bluecross.ca
- Tugo
Tugo is an insurance agency that specializes in travel insurance for students and offers customizable plans to suit individual needs. They are a reliable option because of their:Â
- Coverage
- User-friendly platform
- Customer Support: 24/7 customer support and access to a global network of healthcare providers.
Their Website: https://www.tugo.com
- Sun Life Insurance
Sun Life is one of the leading Canadian insurance providers with comprehensive plans for international students. Ghanaian students can choose them for their travel insurance because of their:Â
- Extensive Coverage
- Easy online application
- Customer Support
Their Website: https://www.sunlife.ca
Useful Tips to save costs on your insurance plan
- Use comparison tools to evaluate coverage, premiums, and exclusions.
- Check School Partnerships, because Some Canadian institutions have partnerships with specific insurance providers, which may offer discounted rates.
- Look for reviews from other international students to gauge the reliability and customer service of the provider.
- Choose annual over monthly payments
- Bundle travel and health insurance
Watch out for the followings:Â
- Policies with high deductibles
- Coverage gaps during school breaks
- Exclusions for pre-existing conditions
- Limited coverage for mental health
- Restricted networks of healthcare providers
The options we have provided in this article should help you find a plan that suits your needs as a Ghanaian student studying in Canada. While making your choice, ensure the policy meets your school’s requirements and provides adequate coverage for your stay.Â
Don’t let insurance concerns hold you back from your Canadian education dreams. The right coverage gives you peace of mind to focus on your academics that matters most.
Take action today! Contact IBS Consult for personalized insurance guidance.
Let us help you secure the perfect insurance coverage for your Canadian educational journey. Perhaps you do not know, our sole goal is to help you. Our expertise in supporting Ghanaian students will ensure you’re fully protected from day one.
Ready to take the next leap? Contact IBS Consult today and take the first step toward a secure academic journey in Canada!
