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International students · Flight training
Insurance for aviation students in Canada
Quick answer
TuGo’s Student Insurance for International Students has no aviation exclusion, while some other policies exclude operating an aircraft or learning to pilot one. It costs $2.11 a day at every age up to 69, for 10 to 365 days, with up to $2,000,000 in emergency medical coverage.
TuGo student plan at a glance
| Insurer | TuGo Student Insurance for International Students (Industrial Alliance is the insurer) |
|---|---|
| Aviation exclusion | None in the policy wording |
| Price | $2.11 a day, the same at every age |
| Emergency medical limit | Up to $2,000,000 |
| Ages | 69 and under |
| Policy length | 10 to 365 days |
| Stable pre-existing conditions | Covered if stable for the 90 days before coverage starts |
| School | Enrolled in a Canadian school; post-secondary schools need a DLI number |
Does student insurance cover flight training?
Not always. Every travel or student policy lists what it won’t pay for, and on some policies that list includes flying. In visitor and travel policy wordings we compared, one excludes “operating any type of aircraft” and another excludes “learning to pilot an aircraft”. If you are a student pilot on a policy like that, an emergency from a flying accident may not be covered.
What TuGo’s policy says about flying
TuGo’s general exclusions name the sports and activities it won’t pay for, such as hang gliding, skydiving, rock climbing, mountaineering, high-risk motorized speed activities and scuba diving below 40 metres. Flying and flight training are not on that list, and the words “aircraft”, “pilot” and “aviation” do not appear in any exclusion in the policy wording. That is why we place aviation students with TuGo, and we have arranged this plan for students at schools that expect insurance.
It is still emergency medical insurance, so its limits and other exclusions apply. Read TuGo’s student policy wording (the exclusions are on pages 17 to 20), and ask us if you want to go through it together.
How much does it cost?
$2.11 for each day of coverage, counting the first and last day. Your age doesn’t change the price, and you pay once on TuGo’s site.
| Length of coverage | Price |
|---|---|
| 30 days | $63.30 |
| 90 days | $189.90 |
| 180 days | $379.80 |
| 365 days | $770.15 |
How to buy it online
- Open EGE Insurance’s TuGo store.
- Choose your home country as the origin and your province as the destination.
- Answer Yes when asked if you are travelling as a student or a family member accompanying a student.
- Pick your dates from the calendar, then add yourself and choose Student as the insured type.
- Choose Student – For International Students, add it to your cart and pay on TuGo’s secure site. Check that the address starts with shop.tugo.com.
The link carries EGE Insurance’s broker code, and the price is the same as buying direct.
Who qualifies?
- You are an international student who is 69 or under and not a Canadian citizen or permanent resident.
- Your school counts. A college, university or other post-secondary school needs a valid Designated Learning Institution (DLI) number, meaning a province or territory has approved it to host international students. Check your flight school on the Government of Canada’s list.
- You are enrolled when coverage starts. You can buy up to 365 days ahead, but a letter of acceptance is not proof of enrolment. Coverage is void if you are not enrolled on the start date.
- You stay in your studies. Coverage ends 60 days after you stop your studies or leave the school, or if you have not started within 60 days of the start date.
What the plan covers
| Emergency medical limit | Up to $2,000,000 |
|---|---|
| Hospital and physician | Semi-private room, out-patient hospital treatment and physician services |
| Ambulance | Licensed ground, air or sea ambulance to the nearest hospital |
| Follow-up visits | Up to 5 within 14 days of the emergency |
| Prescription drugs | Up to a 30-day supply |
| Dental | Up to $6,000 after an accidental blow to the face; up to $600 for other dental emergencies |
| Mental health | Out-patient care up to $2,000 per incident |
| Maternity | Up to $25,000 per pregnancy started while covered; not delivery or the newborn |
| Check-up and vaccines | Up to $150 each per 12 months, with at least 180 days of coverage |
| Tutoring | Up to $400 if you are in hospital for 30 days or more |
| Accidental death | Up to $10,000 included; an optional add-on raises the amounts |
| Stable pre-existing conditions | Covered if stable for the 90 days before coverage starts |
What it doesn’t cover
- A condition that changed or was treated in the 90 days before coverage starts
- Non-emergency care and ongoing treatment after the emergency has ended, except the benefits listed above
- Professional sport, and listed activities such as skydiving, rock climbing and motor racing
- Care in your home country, including on visits home
- Conditions linked to alcohol or drug misuse
- Aircraft damage or liability: this is medical insurance for you
What to check in any policy before you fly
- Search the exclusions for “aircraft”, “pilot”, “aviation” and “flight”. Marketing pages rarely mention these; the policy wording does.
- Check the school rule. Some student policies only count certain schools, so confirm your flight school qualifies.
- Check the coverage dates against your whole training program, including breaks.
- Ask your school what proof it needs before you buy, and when it needs it.
- Ask in writing if you are unsure. If a policy’s wording leaves a question about your training, get the answer from the insurer or your advisor by email.
Comparing other student plans? See all our student quotes or read our international student insurance guide, which also explains provincial health plans.
Frequently asked questions
Does student insurance cover flight training in Canada?
It depends on the policy. Some policies exclude operating an aircraft or learning to pilot one. TuGo’s Student Insurance for International Students has no aviation exclusion in its wording, so flight training is not on its list of excluded activities.
Do flight schools in Canada require insurance?
Aviation schools expect their international students to have insurance, and we have arranged this plan for students for that purpose. Requirements differ by school, so ask yours what it needs to see.
What do I give my flight school as proof?
After you buy, TuGo issues a policy number and a policy declaration. Ask your school which document it wants.
Does my flight school have to be a Designated Learning Institution?
For this policy, yes, if it is a college, university or other post-secondary school. TuGo’s definition of a school requires a valid DLI number from the Government of Canada. Check your school on the government’s list before you buy.
Does this insurance cover the aircraft or damage I cause?
No. This is emergency medical insurance for you. It does not list aircraft damage or liability among its benefits. Ask your flight school how those are handled.
Does the accidental death benefit apply during flight training?
The policy includes up to $10,000 for accidental death and dismemberment, and an optional add-on raises this to $25,000 for most accidents. The add-on’s higher $100,000 amount is only for a fare-paying passenger on a licensed common carrier, so it would not apply to a training flight.
When can coverage start?
The day you leave home for direct travel to Canada (up to 48 hours), the day you arrive, or any date after you arrive. You can buy up to 365 days before the start date.
What if my study visa is refused?
You get a full refund if your student visa for entry to Canada is refused and no claim has been made. If you leave early, a partial refund less an administration fee may apply.
Can I buy it if I already have other insurance?
Yes. If another plan also pays, TuGo’s coverage applies on top of it. You can also use it to continue after another plan ends, with no gap between them.
Can my family get this plan?
Yes. A family member who lives with you and is 15 days old to age 59 can buy their own policy at the same $2.11 a day, even if you are insured elsewhere.
Request a call back
Have a question about your school, your dates or your training? Leave your number and a licensed advisor will call you.
Thank you. We’ll call you soon. Our office hours are Monday to Friday 9 am to 8 pm, and Saturday 9 am to 5 pm.
Keep reading
- International student insurance in Canada: what provinces and school plans cover, and when you need private insurance
- UHIP vs private student insurance in Ontario
- Student insurance for spouses and children
- Manulife vs TuGo travel insurance
- How to buy insurance online in Canada
Sources and about this guide
- TuGo Student Insurance policy wording (student_inbound_02pw_2025-07, edition 2025-07): eligibility p.3-4, benefits p.7-13, refunds p.15, accident insurance p.16, exclusions p.17-20, “enrolled” p.25, “international student” p.26, “school” p.28.
- Government of Canada: designated learning institutions list.
- Prices: TuGo’s store through EGE Insurance’s link, checked October 30, 2026 (10 days $21.10; 70 days $147.70).
Written by the EGE Insurance Advisory Team from TuGo’s policy wording. This is a summary: your policy wording decides every claim. The insurer is Industrial Alliance Insurance and Financial Services Inc., administered by TuGo. EGE Insurance is a licensed insurance brokerage. The insurer you choose pays us, never you, and the price is the same as buying direct.