Medical Insurance for Returning Canadians
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:
However, don’t let this feeling of excitement allow you to forget about your personal safety, as your Provincial Health Insurance may have been put on hold while you were away. It is especially the case with residents returning to SK, YT, QC, ON or BC, where there is a 2-3 months waiting period before your government health coverage is reactivated.
If you are a Citizen or a Permanent Resident of Canada and your provincial medical care plan has been deactivated due to your absence, you can protect yourself from the costs of any urgent health care needs with a Medical Emergency Insurance plan.
If you are returning to live in BC, YT, ON, QC or SK your provincial health insurance plan may take about 2-3 months to begin once you arrive and re-establish your residence.
Such coverage is active while you are in Canada or taking a short side-trip to other countries across the world (excluding the country of your previous residence) aslong stay within Canada is longer than the duration of a side-trip.
Thus, you may secure your money, and if there happens to be a medical emergency, avoid paying unnecessary expenses by purchasing private health insurance for Returning Canadians, while your provincial health insurance is being re-activated.
Cost and Apply?
Deductible amount is what you will have to pay yourself, before the insurance company takes care of the rest if there happens to be a claim.
You will be re-directed to a web-page, where you will see your initial quote, plan description as well as other important information regarding the particular insurance policy suitable for Returning Canadians.
Once you have decided that the chosen Returning Canadian insurance plan suits your needs, you may proceed by clicking “Buy Insurance” or “Buy Online” button.
Once your payment is processed, you will receive your emergency Returning Canadians insurance plan by email in a couple of minutes!
– Emergency Health Care
– Hospital Accommodation & Services
– Ambulance Services
– Emergency Dental Repair
– Dental Pain Relief
– Prescription Drugs
– Laboratory Diagnostics/ X-ray
– Services of a Medical Specialist
– Follow up Visits to a Specialist
– Services of a Registered Nurse
– Rental or Purchase of Medical Appliances
For a detailed coverage description please read the Policy Wording of the insurance plan you select.
In case you are returning to Saskatchewan, Ontario, Quebec, Yukon or British Columbia, your medical plan will only begin 2 to 3 months following your arrival due to a waiting period.
Yet, while your provincial coverage is reactivated, it is highly recommended to apply for a private insurance in order to secure your financial well-being against the costs of emergency medical treatment you may require.
The waiting period applies to Returning Canadians coming to ON, QC, SK, BC or Yukon.
In Ontario, Quebec and Yukon you should be eligible for provincial insurance (3) three months after you have arrived and re-registered for the health care plan in one of these provinces.
In comparison, British Columbia calculates the duration of the waiting period in a slightly different way. Your waiting period will be based on the remainder of the month when you arrive and establish your residence in BC plus 2 additional months. It is highly recommended to notify BC MSP office of your arrival in order to commence insurance activation process.
Similarly, in Saskatchewan your provincial insurance coverage will begin on the first day of the third month after your arrival there.
The Ministry of Health affairs in your province of residence will determine the date your residency is established through a number of factors.
In addition to providing necessary documents (if required), you must also physically reside in a province that grants you government health care benefits for a certain number of days within a calendar year in order to remain eligible for such insurance.
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.
More specifically, it is recommended to get a private insurance if you are a returning resident to SK, BC, ON, YT and QC as it will take from 2 to 3 months before your can use government insurance plan.
It is strongly recommended to allow a few business days before you travel to buy your insurance in order to avoid the waiting period, during which you will not be able to use your insurance policy.
The waiting period ranges from 2 to 15 days depending on the insurance policy you select, if you purchase it after you arrive in Canada.
In case you suddenly fall ill or get injured, your insurance policy will take care of the costs for clinic visits, physician’s services, hospitalization, emergency dental care, prescription drugs, laboratory tests and much more!
Your refund will be calculated based on the number of days left unused following the date your provincial insurance plan begins less the cancellation fee of $25-$50
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!