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International Students

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International Students


Canada is pleased to be the destination of choice for the many international post-secondary students. It is a known fact that more than 350,000 international students arrive annually to attend university or college. Most international students come to study in Ontario, Quebec or British Columbia. The international student population at Canadian universities or colleges has grown by 92 per cent between 2008 and 2015 with no signs of slowing down.


When you arrive in the city or towns where you are going to live a vast majority will, by choice or necessity, be looking to off-campus rental housing.



Off-campus landlords want a financial guarantee that they will receive all monthly rents in accordance with the lease. Landlords are entitled to collect first and last month’s rent in advance and to ask that a guarantor (usually a parent or guardian) co-sign the student’s lease. Most often the international student’s guarantor is out of the country or there is no resident guarantor available making it difficult and creating uncertainty in collecting unpaid rent in the event of a default.  Sometimes landlords attempt to get around this problem by charging foreign students numerous months’ rent in advance.  Unfortunately this is not a legal approach in Ontario as it contravenes the Landlord and Tenant Act and can create undue financial and legal concerns for both parties.



A domestic lease guarantee for foreign students is a new product developed by FCA Insurance and Trisura Guarantee that insures uninterrupted rental income and eliminates the need for an individual lease guarantor.   

The premium cost to the tenant is 3 per cent of the annual rent to provide proof of financial security.  Payment can be made by credit card.

It’s simple and convenient.  The landlord can direct the potential tenant to a link. The tenant can go on line to complete the documentation process and a copy of the lease guarantee document will be automatically forwarded to both the tenant and the landlord.

To assist in completing the security for all parties you will have the option to purchase contents and liability insurance for the location in the same convenient and affordable process.

Landlords will have security against rent interruption backed by a secure Canadian financial institution in concert with FCA Insurance Brokers, who have been developing innovative insurance solutions since 1919.

Get a Quote Now.


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