{"id":70878,"date":"2026-05-27T13:46:15","date_gmt":"2026-05-27T17:46:15","guid":{"rendered":"https:\/\/www.assur360.ca\/student-travel-insurance-abroad-and-whv-quebec-2026\/"},"modified":"2026-06-25T17:27:43","modified_gmt":"2026-06-25T21:27:43","slug":"student-travel-insurance-abroad-and-whv-quebec-2026","status":"publish","type":"page","link":"https:\/\/www.assur360.ca\/en\/student-travel-insurance-abroad-and-whv-quebec-2026\/","title":{"rendered":"Student Travel Insurance Abroad and WHV Quebec 2026"},"content":{"rendered":"&#8220;`html\n\n<style>\n.a360-pg-wrap { font-family:'DM Sans','Inter',system-ui,sans-serif; color:#0d1f2d; line-height:1.7; }\n.a360-pg-wrap h2 { font-family:'Sora',sans-serif; font-size:2em; margin:44px 0 18px; color:#0d1f2d; }\n.a360-pg-wrap h3 { font-family:'Sora',sans-serif; font-size:1.3em; margin:26px 0 12px; color:#0d1f2d; }\n.a360-pg-wrap p { margin:0 0 16px; }\n.a360-pg-hero { background:linear-gradient(135deg,#0d1f2d 0%,#1a3a4a 100%); color:#fff; padding:70px 28px; 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text-decoration:none; color:#0d1f2d; font-weight:600; }\n.a360-pg-img-inline { width:100%; height:auto; border-radius:12px; margin:26px 0; box-shadow:0 6px 22px rgba(0,0,0,.08); }\n#ez-toc-container { display:none!important; }\n\n.a360-pg-duo { display:grid; grid-template-columns:repeat(auto-fit,minmax(320px,1fr)); gap:32px; align-items:center; margin:34px 0; }\n.a360-pg-duo-img { margin:0; }\n.a360-pg-duo-img img { width:100%; max-width:800px; height:auto; border-radius:16px; box-shadow:0 8px 28px rgba(0,0,0,.1); display:block; }\n.a360-pg-duo-txt h2 { font-family:'Sora',sans-serif; color:#0d1f2d; margin:0 0 16px; }\n.a360-pg-duo-txt p { color:#334155; line-height:1.7; }\n\n@media (max-width:720px){ .a360-pg-stats,.a360-pg-grid,.a360-pg-liens,.a360-pg-products{ grid-template-columns:1fr; } .a360-pg-hero h1{ font-size:1.75em; } }\n<\/style>\n<div class=\"a360-pg-wrap\">\n<div class=\"a360-pg-hero\">\n<span class=\"badge\">STUDIES \u00b7 INTERNSHIP \u00b7 PVT \u00b7 INDEPENDENT COMPARISON PLATFORM<\/span>\n<h1><span class=\"ez-toc-section\" id=\"Student-Travel-Insurance-Abroad-and-PVT-2026\"><\/span>Student Travel Insurance Abroad and PVT (2026)<span class=\"ez-toc-section-end\"><\/span><\/h1>\n<p>Studying, interning, or doing a PVT outside of Quebec requires medical coverage suitable for long stays. Here\u2019s what the RAMQ really covers, the requirements of universities, and how to protect yourself at the right price.<\/p>\n<a href=\"https:\/\/buy.securiglobe.com\/fr\/assurance-voyage?aff=WEB141\" class=\"a360-pg-btn\" target=\"_blank\" rel=\"sponsored noopener\">Compare in 3 minutes<\/a><a href=\"https:\/\/www.assur360.ca\/en\/quebec-travel-insurance-2026-medical-cancellation-and-repatriation\/\" class=\"a360-pg-btn-outline\">See Travel Insurance<\/a>\n<p style=\"font-size:.82em;color:#94a3b8;margin:12px 0 0\">You will be redirected to our partner Securiglobe (external site).<\/p>\n<\/div>\n<div class=\"a360-pg-stats\"><div class=\"a360-pg-stat\"><div class=\"n\">$30\u201390<\/div><div class=\"l\">Per month, student (indicative)<\/div><\/div><div class=\"a360-pg-stat\"><div class=\"n\">Long stay<\/div><div class=\"l\">Coverage for several months<\/div><\/div><div class=\"a360-pg-stat\"><div class=\"n\">Limited RAMQ<\/div><div class=\"l\">Minimal reimbursement outside Quebec<\/div><\/div><div class=\"a360-pg-stat\"><div class=\"n\">$0<\/div><div class=\"l\">Comparing is always free<\/div><\/div><\/div>\n<p>A study session abroad, an international internship, or a Working Holiday Program (PVT) are exciting projects \u2014 but they place you outside the Quebec health network for months. However, the <strong>RAMQ only reimburses a minimal fraction<\/strong> of the care received outside Quebec, and many foreign universities <strong>require proof of medical insurance<\/strong> before enrolling you. An emergency (hospitalization, accident, medical return) can cost thousands of dollars without adequate protection.<\/p><p>This page explains travel coverage tailored for young adults on long stays, what the RAMQ actually covers for students, the requirements of foreign institutions, and the PVT. Prices are <strong>indicative only<\/strong> and vary according to the profile; the exact premium is determined after analysis by an insurance broker from a partner firm certified by the AMF.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"What-coverage-does-a-student-need-abroad\"><\/span>What coverage does a student need abroad?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<div class=\"a360-pg-grid\"><div class=\"a360-pg-card\"><h3>Emergency Medical Care<\/h3><p>The core of protection: hospitalization, consultations, medications, and emergency care throughout the stay. Coverage of $1 to $5 million is generally recommended.<\/p><\/div><di\n``````html\n<div class=\"a360-pg-card\"><h3>Long-term coverage<\/h3><p>Unlike a vacation trip, a study stay lasts several months. You need a policy designed for long stays, not a short-term travel insurance.<\/p><\/div><div class=\"a360-pg-card\"><h3>Medical repatriation<\/h3><p>If your condition requires a return to Quebec for care, medical repatriation can cost tens of thousands of dollars. It&#8217;s a key protection for a long stay away from home.<\/p><\/div><div class=\"a360-pg-card\"><h3>Returns during holidays<\/h3><p>Many students return to Quebec during the holidays. Check that your policy allows these round trips without interrupting coverage.<\/p><\/div><\/div>\n<h2><span class=\"ez-toc-section\" id=\"What-the-RAMQ-covers-and-does-not-cover-for-students\"><\/span>What the RAMQ covers (and does not cover) for students<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>When you leave Quebec to study, the RAMQ only reimburses care received abroad at <strong>Quebec rates<\/strong>, which is a fraction of the actual cost: often just a few dozen dollars per day of hospitalization, well below the bills observed abroad. Additionally, a prolonged absence from Quebec can, depending on its duration and nature, affect your <strong>eligibility for the plan<\/strong>. Students going abroad for recognized studies benefit from specific rules, but these never replace real medical travel insurance.<\/p><p>The message is simple: the RAMQ is <strong>not<\/strong> travel insurance. For a study stay, internship, or working holiday, private medical insurance remains essential. Consult the RAMQ about the steps to take before a prolonged departure.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"Studies-internship-or-working-holiday-specifics\"><\/span>Studies, internship, or working holiday: specifics<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<div class=\"a360-pg-grid\"><div class=\"a360-pg-card\"><h3>University studies<\/h3><p>Many foreign universities impose their own insurance plan or require proof of equivalent coverage. Check the requirements before enrolling to avoid paying twice.<\/p><\/div><div class=\"a360-pg-card\"><h3>International internship<\/h3><p>An internship outside Quebec, paid or unpaid, does not always include health coverage. Confirm what the employer or organization offers before leaving.<\/p><\/div><div class=\"a360-pg-card\"><h3>Working holiday (PVT)<\/h3><p>Several PVT destinations require medical insurance covering the entire duration of the permit as a condition of entry. Without compliant proof, access to the program may be denied.<\/p><\/div><div class=\"a360-pg-card\"><h3>Young adult = lower premium<\/h3><p>Good point: at the same age, a healthy young adult generally pays one of the lowest monthly premiums, as the medical risk is lower.<\/p><\/div><\/div>\n<h2><span class=\"ez-toc-section\" id=\"Indicative-benchmarks-by-type-of-stay-Quebec-2026\"><\/span>Indicative benchmarks by type of stay (Quebec, 2026)<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<table class=\"a360-pg-table\"><thead><tr><th>Type of stay<\/th><th>Typical duration<\/th><th>Indicative monthly range<\/th><\/tr><\/thead><tbody><tr><td>Study session abroad<\/td><td>4 to 8 months<\/td><td>$30 \u2013 $90 \/ month<\/td><\/tr><tr><td>International internship<\/td><td>2 to 6 months<\/td><td>$30 \u2013 $90 \/ month<\/td><\/tr><tr><td>Working holiday (PVT)<\/td><td>6 to 24 months<\/td><td>Depending on the country and duration<\/td><\/tr><tr><td>Short exchange program<\/td><td>1 to 3 months<\/td><td>$30 \u2013 $70 \/ month<\/td><\/tr><\/tbody><\/table>\n<p style=\"font-size:.85em;color:#64748b\">Indicative ranges only, for informational purposes \u2014 they vary based on age, destination, duration, and amount of coverage. The actual premium is determined after analysis by an insurance broker from a partner firm certified by the AMF.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"Steps-before-leaving-to-study\"><\/span>Steps before leaving to study<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<div class=\"a360-pg-steps\"><div class=\"a360-pg-step\"><div class=\"a360-pg-step-n\">1<\/div><div><strong>Check the institution&#8217;s requirements.<\/strong> Some universities impose their plan; others accept proof of equivalent insurance. Ask for the list of minimum required coverages.<\/div><\/div><div class=\"a360-pg-step\"><div class=\"a360-pg-step-n\">2<\/div><div><strong>Inform the RAMQ of your prolonged departure.<\/strong> Inquire about the steps to protect your eligibility for the plan upon your return.<\/div><\/div><div class=\"a360-pg-step\"><div class=\"a360-pg-step-n\">3<\/div><div><strong>Choose long-term coverage.<\/strong> Opt for a policy designed for several months, with medical repatriation and a high medical ceiling.<\/div><\/div><div class=\"a360-pg-step\"><div class=\"a360-pg-step-n\">4<\/div><div><strong>Compare quotes.<\/strong> With equivalent protection, the price difference between insurers can be significant: comparing remains the best way to save.<\/div><\/div><\/div>\n<div class=\"a360-pg-conseil\"><h3>Keep your proof of insurance accessible<\/h3><p>Keep a <strong>digital copy of your policy and proof of coverage<\/strong> on your phone and in your email. Many universities and some border posts require this document upon arrival. Also note the insurer&#8217;s emergency assistance number: this is who you call first in case of a medical issue, often 24\/7.<\/p><\/div>\n<div class=\"a360-pg-alert\"><h3>No compliant proof, no registration (or entry)<\/h3><p>Many foreign universities <strong>block registration<\/strong> until proof of medical insurance is provided, and some countries deny entry to PVT participants without compliant coverage for the entire duration of the permit. Arrange your insurance <strong>before<\/strong> your departure to avoid a session delay or refusal at the border.<\/p><\/div>\n<h2><span class=\"ez-toc-section\" id=\"Frequently-asked-questions\"><\/span>Frequently asked questions<span class=\"ez-toc-section-end\"><\/span><\/h2><div class=\"a360-pg-faq\">\n<details><summary>Do I need travel insurance to study abroad?<\/summary><div class=\"content\"><p>Yes. The RAMQ only reimburses a minimal fraction of care received outside Quebec, and many foreign universities require proof of medical insurance before enrollment. Long-term coverage is essential for a study stay.<\/p><\/div><\/details>\n<details><summary>Does the RAMQ cover me during my studies abroad?<\/summary><div class=\"content\"><p>Very little. The RAMQ only reimburses care abroad at Quebec rates, which is a fraction of the actual cost. Additionally, a prolonged absence may affect your eligibility. Consult the RAMQ before a prolonged departure and obtain private insurance.<\/p><\/div><\/details>\n<details><summary>How much does travel insurance cost for a student?<\/summary><div class=\"content\"><p>As a guideline, it is often observed to be between $30 and $90 per month for a student, depending on the country, duration, and amount of coverage. This amount is indicative and varies based on the profile; the actual premium is determined after analysis by a broker.<\/p><\/div><\/details>\n<details><summary>What is a working holiday (PVT) and is insurance required?<\/summary><div class=\"content\"><p>The Working Holiday Program (PVT) allows you to stay and work abroad for a specified period. Several destinations require medical insurance covering the entire duration of the permit as a condition of entry; without compliant proof, access to the program may be denied.<\/p><\/div><\/details>\n<details><summary>My foreign university has its own plan: do I still need to subscribe?<\/summary><div class=\"content\"><p>Not necessarily. If the institution imposes its plan and it covers your medical needs, you avoid paying twice. However, check the exclusions and scope; supplementary insurance may fill gaps, particularly for repatriation.<\/p><\/div><\/details>\n<details><summary>Does the insurance cover my returns to Quebec during the holidays?<\/summary><div class=\"content\"><p>Often yes, but conditions vary. Some long-term policies allow round trips without interrupting coverage, while others do not. Check this point if you plan to return during school holidays.<\/p><\/div><\/details>\n<details><summary>Why a game<\/summary><\/details>\n&#8220;&#8220;&#8220;html\nne adulte paie-t-il moins cher ?<\/summary><div class=\"content\"><p>Because the risk of medical emergencies is statistically lower among young healthy adults. For the same duration and destination, their monthly premium is generally among the lowest.<\/p><\/div><\/details>\n<details><summary>How to get the best price for student insurance?<\/summary><div class=\"content\"><p>The most effective method is to compare several insurers for equivalent coverage. Assur360 is an independent comparison platform that connects you for free with AMF-certified partner firms and insurance brokers, who shop for student or PVT coverage for you.<\/p><\/div><\/details>\n<\/div>\n<div class=\"a360-pg-eeat\"><h2><span class=\"ez-toc-section\" id=\"Why-compare-with-Assur360\"><\/span>Why compare with Assur360<span class=\"ez-toc-section-end\"><\/span><\/h2><p>Assur360 is an <strong>independent comparison platform<\/strong>. We do not sell insurance: we connect you for free with AMF-certified partner firms and insurance brokers who compare student and PVT coverage for you.<\/p><ul><li>Free and no-obligation comparison<\/li><li>Partner firms and insurance brokers <strong>certified by AMF<\/strong> (regulated by the Chamber of Insurance)<\/li><li>Factual information: indicative prices, premium established after analyzing your profile<\/li><li>More than 100,000 Quebec residents guided towards the right protection<\/li><\/ul><\/div>\n<section class=\"a360-pg-final\">\n<h2><span class=\"ez-toc-section\" id=\"Find-your-student-or-PVT-insurance-in-3-minutes\"><\/span>Find your student or PVT insurance in 3 minutes<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>Compare free quotes from AMF-certified partner firms and insurance brokers \u2014 with no obligation.<\/p>\n<a href=\"https:\/\/buy.securiglobe.com\/fr\/assurance-voyage?aff=WEB141\" class=\"a360-pg-btn\" target=\"_blank\" rel=\"sponsored noopener\">Compare now<\/a><a href=\"https:\/\/www.assur360.ca\/en\/quebec-travel-insurance-2026-medical-cancellation-and-repatriation\/\" class=\"a360-pg-btn-outline\">Learn all about travel insurance<\/a>\n<p style=\"font-size:.82em;color:#94a3b8;margin:12px 0 0\">You will be redirected to our partner Securiglobe (external site).<\/p>\n<\/section>\n<h2><span class=\"ez-toc-section\" id=\"Related-pages\"><\/span>Related pages<span class=\"ez-toc-section-end\"><\/span><\/h2><div class=\"a360-pg-liens\"><a href=\"https:\/\/www.assur360.ca\/en\/quebec-travel-insurance-2026-medical-cancellation-and-repatriation\/\">\u2708\ufe0f Quebec travel insurance \u2014 the complete guide<\/a><a href=\"https:\/\/buy.securiglobe.com\/fr\/assurance-voyage?aff=WEB141\" target=\"_blank\" rel=\"sponsored noopener\">\ud83d\udcdd Travel quote in 3 minutes \u2197<\/a><a href=\"https:\/\/www.assur360.ca\/en\/quote-insurance-product\/\">\ud83d\udce6 All our insurance products<\/a><a href=\"https:\/\/www.assur360.ca\/en\/quebec-travel-medical-insurance-2026-emergency-medical-expenses\/\">\ud83c\udfe5 Medical travel insurance<\/a><a href=\"https:\/\/www.assur360.ca\/en\/how-much-does-travel-insurance-cost-in-quebec-in-2026-price\/\">\ud83d\udcb2 How much does travel insurance cost?<\/a><\/div>\n<\/div>\n\n&#8220;`\n<script type=\"application\/ld+json\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"FAQPage\",\"mainEntity\":[{\"@type\":\"Question\",\"name\":\"Do I need travel insurance to study abroad?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Yes. 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