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FAQ

  1. Buying Insurance

    1. Do I need insurance to study in Canada?

      Yes. The government of Canada does not cover medical costs for international students. Some provinces may cover international students under their provincial health plan, under certain conditions, but most students need to buy insurance. Your school may have insurance included in the tuition. Check with your school, so that you don’t buy insurance twice!

    2. Do I need to buy insurance before I arrive in Canada?

      It isn’t necessary to buy insurance before you arrive, but it is usually a good idea. If you need to obtain a student visa, the immigration officer might ask you for proof of insurance. We highly recommend that you buy insurance before you come to Canada, so you will be covered from the start of your trip.

    3. I don’t have a Canadian address. Can I still buy insurance?

      We need a Canadian address for you in order to process your purchase. If you don’t know your address yet, ask your school if it is okay to use their address. Once you have a permanent address in Canada, you can contact us to update your information.

    4. Is it secure to buy my insurance online?

      Yes, absolutely! We use the latest technology in online security. We never keep records of credit cards so you don’t have to worry about your card being used again.

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  2. Benefits and insurance package

    1. How long does it take to receive the insurance confirmation once I’ve purchased?

      When you buy insurance online or by phone, you receive a confirmation email on the same day. This email will have very important information such as your policy number, the effective and expiry dates, your policy wording, the claim form, and the numbers you should call in case of emergency. You will also receive a confirmation package by regular mail to the Canadian address you put on your application. The Canadian postal system usually takes 3 to 4 business days to deliver a letter.

    2. Am I covered for vision care?

      Yes. Our international student plans cover one routine eye examination. Please refer to the policy wording in your insurance package for limitations and exclusions related to vision care.

    3. Am I covered outside my province and outside of Canada?

      Yes. Please refer to the policy wording in your insurance package for limitations on the amount of time you can spend outside of Canada or for any restrictions on visits to your country of origin.

    4. I have lost my wallet card. Can I get a new one?

      Absolutely. We will be pleased to replace your card. Contact us by phone or email to request a new one. You will need to include your name, date of birth, the name of the school you are attending, and the address where you would like us to send the replacement.

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  3. Cancellation and extension of policies

    1. I didn’t get a visa to study in Canada. Can I get a refund on my insurance?

      You can get a full refund on your policy if you won’t be coming to Canada, as long as you contact us before the effective date of your policy. If you contact us after the effective date, some cancellation fees may apply.

    2. I found out that I have insurance through my school/credit card/province. Can I cancel my insurance?

      Before cancelling any insurance, compare the benefits, exclusions, limitations, and cancellation policies. You may get a refund for the remaining time of your policy, only if you didn’t make a claim and your other insurance is an adequate replacement. If you used your policy, you cannot get a refund.

    3. I’m going to stay in Canada longer. Can I extend my policy?

      You can renew your student policy for as long as you are continuing to study in Canada. If you finish your studies and decide to stay in Canada, you will not be able to extend your student policy. However, you can buy Visitors to Canada insurance for the rest of your stay.

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  4. Claims

    1. What should I bring when I consult a doctor?

      Bring your insurance card and photo identification as proof of coverage. You should also bring a claim form, in case the doctor’s office requests it.

    2. When I go to the doctor’s office or an emergency room, do I have to pay up front?

      We have relationships with many clinics, doctors’ offices and hospitals across the country, where these providers have agreed to bill us directly so that you don’t have to pay up front. If you go to another facility, they may require up front payment. If you pay for anything up front, keep all of your original receipts, so you can submit a claim to get your money back. Hospitals can bill us directly if you are admitted to the hospital, but may require up-front payment for Emergency Room visits.

    3. Do I need a claim form to submit my claim?

      Yes. You can find the claim form in your insurance package. An Ingle International student claim form can be downloaded here. Be sure to complete all sections, sign the claim form, and include all original receipts.

    4. Can I submit my claim by fax?

      You may fax your claim form and other documentation to us to begin processing the claim. However, we will need the original claim forms, receipts, bills and supporting documents mailed to us before the claim can be paid.

    5. I have questions about my claim or the claims process. Who do I contact?

      You can read our step-by-step guide on How to Submit a Claim. If you still have questions regarding your claim or the claims process, contact us by phone or email, and one of our representatives will be happy to help you.

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  5. Finding a doctor in case of sickness and emergencies

    1. I need to see a doctor. What do I do?

      You can visit a doctor through a doctor’s office, walk-in clinic or hospital in your area. Bring your insurance card and photo identification as proof of coverage. You should also bring a claim form, in case the doctor’s office requests it.

    2. Do I have to call the emergency number every time I want to see a doctor?

      For a minor issue, you can visit any doctor. Keep your original receipts so that you can submit a claim for the expenses. In the event of an emergency, or if the doctor refers you for more intensive treatment or diagnostic services, you need to call the emergency assistance provider, WTP. A representative will open a file and assist you in accessing the services that you require. They will monitor your condition to ensure that the care you receive is appropriate. They can also arrange direct payment of your hospital bills.

    3. Can you refer me to a doctor?

      Yes, we will be glad to assist you. Use our online Doctor Search to find a doctor, clinic, hospital or other medical facility in your area.

    4. What should I bring when I consult a doctor?

      Bring your insurance card and photo identification as proof of coverage. You should also bring a claim form, in case the doctor’s office requests it.

    5. What if it is in the middle of the night on Sunday and I need to see a doctor?

      You can call the emergency assistance number on your wallet card any time. A representative can help you find care 24 hours a day, 7 days a week. If require urgent care, you should call 911 or go to your local hospital’s emergency room.

    6. When I go to the doctor’s office or an emergency room, do I have to pay up front?

      We have relationships with many clinics, doctors’ offices and hospitals across the country, where these providers have agreed to bill us directly so that you don’t have to pay up front. If you go to another facility, they may require up front payment. If you pay for anything up front, keep all of your original receipts, so you can submit a claim to get your money back. Hospitals can bill us directly if you are admitted to the hospital, but may require up-front payment for Emergency Room visits.

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