Do I need Health Insurance When Moving to Canada?

When moving to Canada as an expat or digital nomad, it's essential to understand the health insurance requirements that will apply to you upon arrival. Canada is known for its comprehensive public healthcare system, but as a newcomer, you may not be immediately eligible for this coverage. Requirements for health insurance can vary by province and territory, and there may be a waiting period before you can access the public healthcare system. During this time, having private health insurance is crucial to ensure you are covered for any medical needs. The minimum coverage amounts and length of coverage required can differ, but it is generally advisable to have insurance that covers you for the entire duration of the waiting period, which can be up to three months or longer, depending on the region.

Does Expat Health Insurance Meet the Requirements?

Most expat health insurance plans are designed to meet the requirements for newcomers in Canada. These plans typically offer comprehensive coverage that can fill the gap until you are eligible for the public healthcare system. It's important to check that the plan you choose meets the minimum coverage amounts stipulated by the province or territory you are moving to. Additionally, ensure that the insurance is valid from the day you arrive in Canada and covers you for the entire waiting period. Some provinces may have specific requirements, so it's advisable to consult with the insurance provider to confirm that their plan is compliant with local regulations.

Which local health insurers offer this type of insurance?

In Canada, there are several local health insurers that offer plans suitable for expats and digital nomads during their waiting period for public healthcare eligibility. Companies such as Manulife, Sun Life Financial, and Blue Cross are well-known insurers that provide temporary health insurance for newcomers. These plans often include coverage for emergency medical services, hospital stays, and sometimes even prescription drugs and dental emergencies. It's important to compare the policies from different insurers to find one that best suits your needs and budget, and to ensure that the plan is recognized in the province or territory where you will be residing.

Advice from Expats in Canada about Health Insurance

Expats in Canada often emphasize the importance of arranging for health insurance before arriving in the country. They advise new arrivals to thoroughly research the healthcare system of the specific province or territory they are moving to, as there can be significant differences in the waiting periods and coverage requirements. It's also recommended to read the fine print of any insurance policy to understand what is and isn't covered, especially regarding pre-existing conditions. Expats suggest looking for plans that offer direct billing to healthcare providers, which can simplify the payment process for medical services. Lastly, consider the reputation and customer service of the insurance company, as having reliable support can be invaluable in navigating the healthcare system in a new country.