New Immigrants to Canada | Medical Insurance
medical insurance, while your provincial health plan is not in effect!
In order to calculate a personal insurance quote, simply select the number of applicants, their age(s) and indicate whether or not they have any pre-existing
medical conditions. To finalize your results, click on Calculate Quote after you choose desired policy duration and a coverage limit!
Pre-existing medical condition:
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.
It is available for New Immigrants and other Visitors to Canada, who are not yet eligible for any provincial medical insurance plans due to a waiting period in certain Canadian provinces including BC, ON, QC, SK and Yukon.
Moreover, if you are a New Immigrant to Canada with a private health insurance plan, your side-trips to other countries (with the exception of your country of origin/citizenship) are also covered, as long as your stay in Canada for the majority of your coverage period.
During this time, you are encouraged apply for private medical emergency coverage for New Immigrants to Canada and stay protected from unnecessary financial expenses related to your immediate health care needs.
Cost and Apply?
Deductible is the amount of money that you pay out-of-pocket before the insurance company covers the rest, when you make a claim.
You will be re-directed to a web-page with policy highlights, benefit summary as well as Policy Wording for the insurance plan of your interest.
Once it is out of the way, click on the “Buy Insurance” or “Buy Online” button to proceed.
Take your time to review the application and enter payment details to finalize it. Once your payment is processed, you will receive an email with your your New Immigrants insurance policy confirmation right away!
– Emergency Medical Care
– Ambulance Transportation
– Emergency Dental Repair
– Dental Pain Relief
– Prescription Medication
– Laboratory Diagnostics/ X-Ray
– Services of a Medical Specialist i.e. chiropractor, osteopath, etc.
– Follow up Treatment
– Registered Nurse Services
– Rental or Purchase of Medical Appliances
For a detailed coverage description please read the Policy Wording of the insurance plan you select.
Yet, if you happen to settle in Ontario, Yukon, Saskatchewan, British Columbia or Quebec, there will be a waiting period of 2 to 3 months following the date your residence is established before your government health insurance becomes effective.
During this time, you may want to purchase medical insurance to protect yourself and your family from unnecessary health care costs resulting from a medical emergency.
Generally, for New Immigrants to Canada the waiting period for provincial insurance plan starts on the date you establish your residence in ON, QC, SK, BC or Yukon.
In Ontario, Yukon and Quebec it takes up to (3) three months to receive your government insurance policy following the date of your arrival in one of these provinces from another country or the date you became eligible for provincial insurance.
On the other hand, British Columbia and Saskatchewan has a slightly different approach to calculating a waiting period.
For landed immigrants in BC, duration of an applicable waiting period will consist of 2 full months plus the remainder of the month following the date your residency in BC is established.
As for Saskatchewan, you will be eligible to receive provincial insurance coverage on the first day of the third month following your arrival in Canada.
The Ministry of Health in ON, BC, Yukon, SK and QC will determine the date of residency establishment using a number of factors. However, in most cases your waiting period will begin upon your arrival in one of the above provinces.
Please note that you will have to be physically present in a province of your residence for a certain number of days within a calendar year in order to maintain your eligibility for the government insurance coverage.
Learn More About Provincial Insurance coverage across Canada by using the links below:
- British Columbia
- New Brunswick
- Nova Scotia
- Prince Edward Island
- Newfoundland and Labrador
- Northwest Territories
Visit the officialHealth Care System website for more information on medical insurance coverage in each province and territory.
When you have a private insurance you can use it to cover possible medical emergency expenses while your provincial insurance is not active for the first 2-3 months of arrival.
That is why, it is highly recommended to buy a New Immigrants medical insurance plan to cover possible emergencies until you receive your provincial health insurance card.
The waiting period ranges from 2 to 15 days depending on the insurance policy, if you purchase it after your arrival in Canada.
However, in case you unexpectedly fall sick or get injured and need to visit a doctor for a check up, then you are covered!
Please note that you must not have any claims on your file in order to receive a pro-rated refund for the unused portion of your coverage period.
Please let us know if you have any question about your options!
If you couldn’t find what you were looking for, please take a look at our General FAQ for more information, or talk to our advisors and we will be happy to assist you!