15 Expats Talk about Health Insurance and Healthcare in Canada
Last updated on Nov 23, 2023
Summary: The quality of medical care in Canada is generally considered to be on par with the United States. Canada has a publicly funded healthcare system, which means that all citizens have access to basic medical services at no cost. Emergency services in Canada are generally reliable and efficient. In the event of an emergency, you can call 911 for an ambulance.
How are healthcare services Canada?
When we asked expats and global nomads about the quality of medical care in Canada, they replied:
"Healthcare services in Canada are provided by both public and private institutions. The public healthcare system is funded by the federal, provincial, and territorial governments and is available to all Canadian citizens and permanent residents. It covers a wide range of services, including hospital care, physician services, diagnostic services, and prescription drugs. The quality of public healthcare in Canada is generally considered to be high, with access to a wide range of services and treatments. Foreign residents may also have access to the public healthcare system, depending on their immigration status. Expats in Canada may be eligible for public healthcare coverage if they are permanent residents, have a valid work permit, or are a refugee claimant. In some cases, expats may also be able to purchase private health insurance to supplement their public coverage," said one expat living in Canada.
"You cannot get any health care without having permanent residency card which takes over 4 years and retired people are not even considered if you register online, as everyone is told to do. You can pay exorbitant out of pocket fees though. Over $500. Just to have your eye pressure taken by an ophthalmologist. The only health insurance you can get is travel insurance and emergency insurance at high prices. A small bottle of aspirin that costs less than $2. In the US, costs over $10. In Canada including 15 per cent tax. Although you can buy prescription medication while in the US cheaper in Canada through the mail, if you are living in Canada, it is difficult to even find a lot of medications because they say there is a big shortage here," mentioned one expat in Halifax.
What are medical services in Canada like?
When we asked expats and global nomads about the quality of medical care in Canada, they replied:
"In Canada, medical services are generally of a high quality and are accessible to all citizens. The country has a publicly funded healthcare system, which provides basic medical services to all citizens free of charge. Canada also has a wide range of private medical services, such as specialist care, which are available to those who can afford them. Canada also has a well-developed network of hospitals and clinics, which provide a range of medical services, from primary care to specialized care," commented one expat who moved to Canada.

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William Russell's private medical insurance will cover you and your family wherever you may be. Whether you need primary care or complex surgery, you'll have access to the best hospitals & doctors available. Unlike some insurers, we also include medical evacuation and mental health cover in our plans (except SilverLite). Get a quote from our partner, William Russell.
Are healthcare and health insurance expensive in Canada?
"Healthcare and health insurance in Canada can be expensive, depending on the type of coverage and services needed. Generally, Canadians pay for their healthcare through taxes, which are used to fund public health insurance plans. Private health insurance plans are also available, but they tend to be more expensive and may not cover all of the services that are available through public plans. Additionally, some services may not be covered by either public or private plans, and these services may need to be paid for out-of-pocket," mentioned one expat in Canada.

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William Russell's private medical insurance will cover you and your family wherever you may be. Whether you need primary care or complex surgery, you'll have access to the best hospitals & doctors available. Unlike some insurers, we also include medical evacuation and mental health cover in our plans (except SilverLite). Get a quote from our partner, William Russell.

William Russell's private medical insurance will cover you and your family wherever you may be. Whether you need primary care or complex surgery, you'll have access to the best hospitals & doctors available. Unlike some insurers, we also include medical evacuation and mental health cover in our plans (except SilverLite). Get a quote from our partner, William Russell.
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What are emergency services like in Canada?
When we asked about emergency services, members in Canada wrote:
"In Canada, emergency services are available to help people in need of urgent medical attention or assistance. To call for an ambulance, you can dial 911 from any phone, or call your local emergency services number. Emergency services personnel are trained to respond quickly and provide medical assistance as needed. They will also provide transportation to the nearest hospital or medical facility," remarked one expat in Canada.
"About 10 minutes by car. I do not know about the services because I never had to use them, but since I do not have a health care I do not know what the cost would be. Everything is public, but I hear a lot of complaints from natives that they have to wait to be assigned to a doctor because there is big shortage here," remarked one expat living in Halifax.

William Russell's private medical insurance will cover you and your family wherever you may be. Whether you need primary care or complex surgery, you'll have access to the best hospitals & doctors available. Unlike some insurers, we also include medical evacuation and mental health cover in our plans (except SilverLite). Get a quote from our partner, William Russell.

William Russell's private medical insurance will cover you and your family wherever you may be. Whether you need primary care or complex surgery, you'll have access to the best hospitals & doctors available. Unlike some insurers, we also include medical evacuation and mental health cover in our plans (except SilverLite). Get a quote from our partner, William Russell.
Will I need to travel to see a specialist?
"Canada's largest cities such as Toronto, Vancouver, and Montreal typically have the most extensive selection of medical specialists. Other areas of Canada, including provinces like British Columbia and Alberta, have medical centres with good selection of medical specialists. Furthermore, there are many large universities and teaching hospitals across Canada which boast top-level medical specialists in a variety of fields," remarked one expat living in Canada.
"Would not have to travel. Since Halifax is the center of this province, everyone else would have to come here for the best care available," said one expat living in Halifax.
Are common prescription medications available in Canada?
"Again, if you do not have a health card, everything is out of pocket and very expensive. There is no maintenance type of insurance you can buy. Only travel and emergency in other words, if you are retired, Canada does not want you. Only marriage to a Canadian would make things easier, but for the majority of retires, this is not an option," said one expat.
"Yes, common prescription medications are available in Canada. These medications are typically dispensed by a pharmacist and require a prescription from a doctor or other healthcare professional. Common prescription medications include antibiotics, anti-depressants, anti-anxiety medications, and medications for chronic conditions such as diabetes, high blood pressure, and asthma. In addition, many over-the-counter medications are also available in Canada," remarked one expat in Canada.
Do you have anything more to add about local medical facilities in Canada?
" Health Care in Canada is a publicly funded health care system that is organized through the provinces and territories of Canada. Quebec's provincial health care authority is the Regie de l'assurance maladie du Quebec or (RAMQ). ," remarked one expat in Montreal.
"The quality of medical facilities and medical care in Canada are excellent. Canadians have access to world-class medical facilities, quality medical professionals and care, and access to the latest treatments and technologies used to diagnose and treat illnesses. Furthermore, people living in Canada are offered a wide range of health care services from a variety of health care practitioners, ranging from family doctors to specialists. This ensures that Canadians have access to the medical care they need to stay healthy and support their quality of life," remarked one expat living in Canada.
As a foreigner living in Canada, will I have access to public healthcare? What is it like?
"Yes, as a foreigner living in Canada, you will have access to public healthcare. Canada has a publicly funded healthcare system, which means that all Canadian citizens and permanent residents are eligible for free healthcare services. The healthcare system in Canada is comprehensive and covers a wide range of services, including hospital care, doctor visits, and prescription drugs. The quality of care is generally high, and the wait times for medical services are usually reasonable," remarked one expat in Canada.
What have your experiences during the pandemic with the local healthcare system been like?
We asked expats in Canada if they have access to public healthcare in Canada. And, if they do have access, what is it like. They wrote...
"The pandemic has had a significant impact on the Canadian healthcare system. Many healthcare providers have had to adjust their practices to accommodate the new safety protocols and guidelines. In addition, the demand for healthcare services has increased significantly, leading to longer wait times and delays in care. Despite these challenges, healthcare providers have worked hard to ensure that Canadians have access to the care they need. Telehealth services have become increasingly popular, allowing patients to access care from the comfort of their own homes. In addition, many healthcare providers have implemented virtual care options, such as video visits, to help reduce the spread of the virus," remarked one expat living in Canada.
"On going diabetes, HP, arthritis and three trips to very satisfyingly equipped emergency rooms," said one expat living in Salt Spring Island.
What advice do you have for expats having a baby in Canada?
We asked expat moms who gave birth in Canada about their experiences and advice they have for other moms to be. They said:
"1. Make sure to research the local healthcare system and the birthing options in your area. 2. Take the time to create a birth plan so you and your healthcare providers are all on the same page and can be prepared for whatever lies ahead. 3. Connect with other parents in your area to get advice and find out about local hospitals, midwives, and doulas. 4. Check with your country's embassy or consulate to find out if any special diplomatic documents are required for you and your baby. 5. Look into prenatal care options for both you and your baby so you can ensure that you are both getting the best care possible. 6. Finally, don’t forget to take the time to enjoy this special time in your life," remarked one in Canada.
"Go to Dr Bartellis! Seriously, do a hospital tour, ASAP. It puts your mind at ease once you've seen the facilities," explained one expat.
Are healthcare services good in Canada?
We asked people if they have access to good medical care in Canada. They wrote:
"Healthcare services in Canada are comprehensive and accessible. Canadians have access to a range of services including doctor and hospital visits, diagnostic and screening services, prescription medications, and clinical preventive services. The Canadian public health care system is funded through taxes, and covers essential health services for all Canadians, regardless of income or medical history. Canada also has a supplementary private health care system which allows individuals to purchase additional coverage or access services that are not covered by the public system," explained one expat living in Canada.
About the Author
Betsy Burlingame is the Founder and President of Expat Exchange and is one of the Founders of Digital Nomad Exchange. She launched Expat Exchange in 1997 as her Master's thesis project at NYU. Prior to Expat Exchange, Betsy worked at AT&T in International
and Mass Market Marketing. She graduated from Ohio Wesleyan University
with a BA in International Business and German.
Some of Betsy's articles include 12 Best Places to Live in Portugal, 7 Best Places to Live in Panama and 12 Things to Know Before Moving to the Dominican Republic. Betsy loves to travel and spend time with her family. Connect with Betsy on LinkedIn.
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