Did you know that if you move to a jurisdiction in Canada that has a waiting period for public healthcare (Medicare) you will need private medical insurance for your first 3 months?
Otherwise, you could be risking your life savings!
LEARN MORE ABOUTCANADIAN HEALTHCARE
In British Columbia, Ontario, and Quebec and in ALL Territories, new residents wait up to 3 months before being eligible for public healthcare. During the waiting period even the high cost of hospitalization for an emergency would be your liability!
Approximate medical costs that apply to “Uninsured Residents” & Visitors:
For Un-insured Residents
Standard Ward: | $1,000–$4,000+ per day |
Intensive Care: | $3,000–$12,000+ per day |
Emergency Room: | $300–$700+ per visit |
For Visitors and Non-residents
Standard Ward: | $3,000–$7,000+ per day |
Intensive Care: | $5,000–$13,000+ per day |
Emergency Room: | $700–$1,000+ per visit |
*Cost ranges (in CAD) are approximate based on data collected from ten urban hospitals February 2017
MORE INFOWhat are my options?
WHAT ARE MY OPTIONS?
What interim (private) medical insurance options are available for Canada?
1
“VISITORS TO CANADA” MEDICAL INSURANCE
Most common type of interim medical plan for visitors and new residents
Most basic and lowest cost
Covers initial emergency medical services to treat a new accident or unforeseen sickness
Little to no coverage for 'continuing medical care'
MORE INFO2
“EXPATRIATE’S”
MEDICAL INSURANCE
More robust and comprehensive medical coverage
Higher sums of insurance available
Broader coverage of
continuing medical care
Medical underwriting option available for
pre-existing conditions
We can help.
Contact DCIS for more information about the health insurance options available to you.
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Our clients are
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News, Tips & Articles about Healthcare & Health Insurance in Canada
Before moving to Canada
- Learn about Medicare eligibility and enrolment rules in the Province/Territory you will move to. If you are moving to a Province or Territory with a Medicare waiting period, or if due to your immigration status or short duration of stay you won’t be eligible for Medicare, then…
- After researching your options, buy interim medical insurance and let family or close friends know of your insurance details.
- Bring a copy of your medical records with you to Canada.
After arrival in Canada
- Apply for Medicare in your new home Province/Territory as soon as possible.
- Until you receive your government health coverage, carry your interim insurance ID card, and a photocopy of your Canadian immigration document to prove your resident status.
- Learn about extended health and dental plans available to cover the types of healthcare expenses that your provincial plan does not cover.
- Do not leave Canada without buying travel medical insurance because Medicare offers negligible coverage outside Canada!
- If you will have extended absences outside your home Province/Territory, confirm if you meet minimum eligibility requirements for Medicare. If extended absences make you ineligible for Medicare you will want to consider buying an international (private) health plan.
- Ensure that your visiting family and friends have emergency medical coverage for Canada!
Learn more by reading the Health Insurance Matters in Canada Guide.
See more