Health Insurance for New Immigrants to Canada | Free Quotes
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What is New Immigrants Medical Insurance?
Making Canada a new home is easy when you are safe. Secure yourself with a private health insurance for New Immigrants to Canada, while your provincial health plan is not in effect.
Pack your bags and make sure you have everything ready, so you can blend in as smooth as possible. You may not yet know this, but even though Canadian health care system is considered one of the best in the world, there are still some coverage limitations such as a waiting period for newcomers.
New Immigrants to Canada Insurance: How does it work?
Health insurance for New Immigrants to Canada is designed to cover losses arising from unexpected circumstances due to medical emergencies.
It is available for New Immigrants and other Visitors to Canada, who are not yet eligible for the Provincial medical plans due to a waiting period in a certain Canadian province or territory.
Moreover, if you are a New Immigrant to Canada with a private health insurance plan, your side-trips to other countries, with an exception of the country of origin/citizenship, are also covered, if your stay in Canada, while insured, is longer than the duration of a side-trip.
New Immigrants to Canada Insurance: Why do I need it?
Depending on a province of your destination, there might be a 3-month waiting period, when you are not eligible to receive medical coverage from the government. These provinces include British Columbia, Quebec, New Brunswick and Ontario.
During this time, you can apply for a private medical emergency coverage provided by our health insurance for New Immigrants to Canada and stay protected from unnecessary financial expenses related to your immediate health care needs.
How can I apply for the New Immigrants Health Insurance?
Calculate a Quote: Use our Online Calculator for New Immigrants Insurance Canada to find quotes from all private Canadian Insurance providers that we are working with. You will see a list of quotes with different deductible options, once you enter all needed information and hit “Calculate”. Deductible/Excess is the amount of money that you pay out-of-pocket before the insurance company covers the rest, in case of a claim.
Select a Plan: Select a quote that you feel comfortable with from the list provided and click on “Plan Details” button on the right. You will be re-directed to a webpage that outlines the most important information regarding an insurance plan of interest.
Review the Coverage: Take a moment to review your coverage details. Please, refer to the official Policy Wording for a New Immigrants Insurance Plan of your choice to determine your eligibility as well as get familiar with other important information about the policy you are about to purchase. Once you got comfortable with mentioned details, you may proceed with the purchase by clicking on “Buy Insurance” or “Buy Online” buttons.
Application Process: The application process takes about 5 minutes and only requires basic personal information. You will be asked to provide your name, date of birth, desired insurance start and end dates and your contact information in Canada. Take your time and review the application. If you have any questions, one of our Insurance Advisors will be able to assist you. Once your payment is processed, you will receive your insurance for New Immigrants policy by email.
What does Health Insurance for New Immigrants cover?
Each New Immigrants health emergency insurance has its unique features. Yet, we have come up with a summary of health benefits that are provided by all the plans we have to offer.
– Emergency Medical Care
– Repatriation (Emergency Home Return)
– Ambulance Services
– Emergency Dental Repair
– Dental Pain Relief
– Prescription Medication
– Laboratory Diagnostics/ X-Ray
– Accidental Death & Dismemberment
– Services of a Medical Specialist i.e. chiropractor, surgeon, etc.
– Follow up Treatment
– Services of a Registered Nurse
– Burial / Cremation
– Rental or Purchase of Medical Appliances
For a complete set of medical benefits provided by New Immigrants Insurance Canada, please take a look at the Policy Wording for a chosen plan.
Insurance for New Immigrants to Canada: FAQ
That is why, it is highly recommended to buy New Immigrants medical insurance plan to cover possible emergencies until you receive your provincial health insurance card.
Such insurance waiting period ranges from 2 to 8 days on average depending on the insurance provider.
Government Health Insurance Plans
As a New Immigrant to Canada, you are entitled to receive Provincial Health Coverage in any province or territory across the country. Such medical care card allows you to receive health care at any clinic or hospitals without paying out of your own pocket for the services you require. However, if you happen to settle in Ontario, New Brunswick, British Columbia or Quebec, there will be a 3-month waiting period before your government health insurance policy becomes effective.
In case you reside in one of the provinces mentioned above, you may want to purchase medical insurance for New Immigrants to protect yourself and your family from unnecessary health care costs resulting from a medical emergency.
Provincial health insurance varies depending on a province or a territory. Medical care expenses incurred outside your province of residence may not be covered by your government plan. When you travel within Canadian borders or abroad, you will have to check with your local Health Ministry office since you might need to get a travel insurance policy to stay safe.
You will find all application forms online or you can come by a doctor’s office, hospital as well as local community center.
By the time you apply for your Government insurance card you are required to show some identification such as your passport, a Confirmation of Permanent Residence (IMM 5292)or your Permanent Resident Card.
What You Will Get
In most provinces and territories across Canada, each family member receives a card with a personal health identification number. However, in Manitoba, only adults receive health insurance cards. Such card indicates each family member’s name and personal identification number.
Additionally, you must carry the card with you and show it at a hospital or clinic when you or someone in your family needs health services.
Government Health Insurance information is available for review from provincial and territorial ministries of health. Select your province name and follow the given link.
- British Columbia
- New Brunswick
- Nova Scotia
- Prince Edward Island
- Newfoundland and Labrador
- Northwest Territories
Visit the official Health Care System website for more information on medical insurance coverage in each province and territory.