<p>I know as Americans, we're required to get the state insurance when we're at school, but what do the rest of you do for insurance back in the states? Do your parents just keeping up your current plans, and effectively double insure you? Or can we use our Canadian insurance down south?</p>
<p>We're going to keep it for our s. If heaven forbid, he would need some long-term care - accident or illness - we'd bring him back to the states and he better have insurance at that point.
keep it!!</p>
<p>Buy Canadian insurance with absolutely no intent to use it. Should you ever, ever, need more than a basic check up for a cold, or a prescription (prescription drug coverage being the only positive of Canadian health care) then you should come back to the states.</p>
<p>My son called the International Student office with that very question. He was told that the mandatory Canadian insurance would take care of most of what might happen (should it happen) in Canada, but that we needed to keep his policy in Fla. should he have need for medical services while home on break. So to answer the question, I guess American students are indeed double insured, but it might be worth inquiring with your US policy company about what coverage redeuctions you might be able to take advantage of (taking advantage of Canadian drug coverage is an interesting option).</p>
<p>You have to take the Canadian coverage, regardless of your insured status in the US. It costs about $700 Cdn per year.
My d. has taken advantage of the insurance several times and it is reassuring to know she has access to medical facilities while in Montreal. We maintain her US health insurance for major unforeseen events and she sees her local GP when she is home on breaks. You will find very limited coverage in Canada from your US policy, just as Canadians have to buy special policies when they travel to the US.</p>