Do minor international students need supplemental medical insurance?

Often, yes. Provincial coverage may have a waiting period or exclusions, and some schools or districts require private coverage.

Confirm the effective date, exclusions, emergency coverage, direct billing, claims process and who will pay or consent to care when needed.

What to verify

Use the current official instructions from IRCC, the destination school and, where relevant, the province or territory. Requirements can change and depend on individual circumstances.

Planning advice

Keep a dated checklist, ensure all documents tell one consistent story, and obtain written confirmation before making irreversible travel, tuition or immigration decisions.