Help CenterImportant: This is only for participants in our First-Timer program. If you are part of the 'Work & Travel Program' then see our articles in 'Support Staff - Work & Travel' for more information.
Understanding Your Insurance
It’s very important to understand how your medical insurance in Canada works. This information will be crucial if you need to claim insurance due to an accident, injury, or sickness while in Canada. You must be insured from the day you depart to Canada until you arrive back home.
It is your responsibility to ensure your insurance dates match your travel dates.
There are two types of insurance in the Canada - Workers Compensation and Personal Health Insurance. The information below applies to most Camp Canada participants.
Workers Compensation Insurance Coverage
While carrying out your assigned duties at camp, you should be covered by this special type of insurance. This is a policy provided by your camp program to provide insurance coverage during the scope of your employment.
Important: If you have an injury caused by or related to your work at camp you do not need to worry about deductibles or payments - your camp will take care of it.
If you are unsure if the treatment needed is covered by worker’s compensation or your own insurance, please contact us at insurance@campcanada.ca.
Personal Health Insurance Coverage
As someone on a temporary visa, you won’t be covered by Canada’s public healthcare system unless you’re in certain provinces that allow IEC visa holders to apply for provincial healthcare (e.g., British Columbia or Ontario after a waiting period)
Each Camp Canada participant is covered by standard medical insurance up to a maximum of $5,000,000 CAD. For more information, you can review your Insurance Documents on the StudyInsured dashboard.
Important Terminology
Pre-Existing Condition(s)
The pre-existing condition will only be covered under the policy if:
- It has been stable for the 90 days before the coverage begins*
Any medical condition, whether or not the diagnosis has been determined, other than a minor ailment for which there has been:
- no hospitalization; and
- no new diagnosis, treatment, or prescribed medication; and
- no alteration* in treatment or medication; and
- no new, more frequent, or more severe symptoms; and
- no new test results showing deterioration; and
- no referral to a specialist (made or recommended) and you are not awaiting surgery or the results of further investigations performed by any medical professional.
- Alteration includes a new medication, stopped medication, increase or decrease in medication, but does NOT include changes between brand-name and generic versions of drugs with the same active ingredient and dosage, or routine adjustments of maintenance medications such as insulin, Coumadin, or Warfarin.
Direct Billing
This means that the costs of your treatment are billed directly to the insurance company. This is why it is important that you print out and have your insurance card with you at all times. To find a medical treatment provider, please log in to StudyInsured portal and use the search engine feature to find the nearest facility/doctor that works with StudyInsured.
Telehealth (Maple)
Access to an online network of General Practitioners in Canada, you can speak to a Doctor without having to travel. You can register using this guide.