International Health Insurance for Expats in Saint Pierre and Miquelon
Expats should secure an international health insurance plan for their time in Saint Pierre and Miquelon to provide them with important financial protection and peace of mind. Medical evacuation benefits provided by private health insurance are important while in the islands.
Are you a global traveller with your sights set on Saint Pierre and Miquelon? Are you unsure which health insurance plan is the best fit for your time in the archipelago? This guide from Pacific Prime will answer your questions about international health insurance for the islands.
We will also discuss the healthcare system in Saint Pierre and Miquelon, expat health insurance options, safety tips, and other similar topics. Keep reading to learn more, or click here for a free health insurance quote from a variety of providers!
Recommended International Health Insurance Plans for Expatriates Living in Saint Pierre and Miquelon
Cigna Global Insurance Plan
- Worldwide Coverage (excluding the US)
- Access to Cigna's trusted network of hospitals and doctors
- Numerous Deductible Options
- 24/7 Customer Support
- 4 Core Insurance Plans
Allianz Care Health Insurance
- World-leading Health Insurance Provider for Expats
- Extensive Network With Over 1.9 Million Medical Providers
- Quick and Efficient Claims Process
- Maximum Plan benefit up to USD $4,000,000
- Flexible deductibles for inpatient and outpatient plans
The Healthcare System in Saint Pierre and Miquelon
Saint Pierre and Miquelon have a universal healthcare system, with both public and private facilities. The healthcare system follows the same model as that of mainland France.
The quality of medical care is good on the islands. Basic medical care can be taken care of on the island, but complex medical cases are often sent to Canada.
Saint Pierre and Miquelon Hospitals and Clinics
There is only one hospital in Saint Pierre and Miquelon, the Hospital Center François Dunan. The hospital provides a variety of medical services and specialties for the islands, which vary and evolve depending on community health needs. Their specialties include the following:
- Cardiology
- Nephrology
- Endocrinology
- Pneumology
- Orthopedics,
- Gastroenterology
- Women’s and children’s health
- And more
Hospital Center François Dunan
Address: Boulevard Port-en-Bessin Saint-Pierre, 97500, St. Pierre & Miquelon
Phone: (+508) 411 400
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Health Insurance Options in Saint Pierre and Miquelon for Expats
Expats in Saint Pierre and Miquelon have the option to either secure their own private health insurance policy or apply for the public health insurance if they are eligible. Expats who are staying as legal residents in Saint Pierre and Miquelon can opt into the public health insurance.
Public Health Insurance in Saint Pierre and Miquelon for Expats
Expats who plan to stay in Saint Pierre and Miquelon for at least six months as a legal resident can access the public health insurance, PUMA (Protection Universelle Maladie). To access this system, you must first register with the French social security system and get a health insurance card.
Once you have been registered, around 70% of your medical expenses will be reimbursed by PUMA. This coverage may vary depending on what kind of medical services you receive. Expats may choose to purchase supplemental private health insurance for this reason.
Private Health Insurance in Saint Pierre and Miquelon for Expats
Private health insurance can help cover the cost of healthcare services in Saint Pierre and Miquelon and grant expats access to private hospitals and clinics. Without private health insurance, expats are left to pay for their healthcare out of pocket, which can add up quickly.
Private health insurance can cover a variety of healthcare services, such as:
- Inpatient and day-patient treatment
- Surgical costs
- Physician visits
- Mental health treatment
- Vaccinations
- Prescription drugs
- Medical evacuation and repatriation
- Repatriation of remains
- Dental and vision coverage
- Maternity coverage
Medical evacuation coverage is of special importance for expats and travelers in Saint Pierre and Miquelon, as the local medical facilities may not have the staff or resources available for certain medical emergencies or illnesses.
Medical evacuation coverage can cover the cost of transporting you to a different medical facility for treatment, whether by air ambulance or by seacraft.
Expats in Saint Pierre and Miquelon can secure a private health insurance plan through an international or local insurance provider. International insurance providers offer the benefit of globally portable coverage, so you can visit other islands in the North Atlantic Ocean and stay protected.
Best International Health Insurance Providers in Saint Pierre and Miquelon
The best private insurance providers for expats in Saint Pierre and Miquelon are offered by international health insurance providers Allianz, April International, AXA, Cigna Global, Bupa Global, and MSH International.
We will share a brief overview and highlight these providers’ plans in the following sections. If you’d like to learn even more about the top international health insurance providers, check out our article guide here!
Allianz Health Insurance in Saint Pierre and Miquelon
Allianz offers comprehensive insurance plans in Saint Pierre and Miquelon to fit a variety of expats’ needs. Riders are available to be purchased and attached to basic policies that Allianz provides. These riders can offer coverage for accidents and other risks that expats may face abroad.
The plans offered by Allianz include the Care, Care Plus, and Care Pro plans. While each of these plans may differ in coverage limits and benefits, they share similar benefits as listed below:
- Inpatient treatment
- Surgical costs
- Cancer treatment
- Diagnostic services
- Medical evacuation coverage
April International Health Insurance in Saint Pierre and Miquelon
April International is a leading international insurance provider that offers affordable, comprehensive coverage to expats in Saint Pierre and Miquelon.
They offer their health benefits to expats in different tiers of coverage through their Emergency Plan, Formule Basic, Essential Plan, Comfort, and Premium Plan.
April International offers a variety of benefits in its plans, including:
- Inpatient treatment
- Outpatient treatment
- Emergency repatriation
- Emergency medical evacuation
- Maternity, dental, and vision coverage
AXA Health Insurance in Saint Pierre and Miquelon
AXA is a leading international health insurance provider that insures expat individuals and families in Saint Pierre and Miquelon. Its health insurance plans are offered in five coverage tiers: Foundation, Standard, Comprehensive, Prestige, and Prestige Plus.
Each of these plans includes comprehensive inpatient coverage, with annual limits ranging from USD $160,000 to $8,000,000. Exact coverage benefits will vary from plan to plan.
The core benefits included in all five plans are:
- Hospitalization and surgery
- Emergency medical coverage
- Medical evacuation and repatriation
- Cancer treatment
- Diagnostic scans
Cigna Global Health Insurance in Saint Pierre and Miquelon
Cigna provides flexible insurance plans to expats in Saint Pierre and Miquelon and across the world. They offer their members 24/7 access to a customer care team and access to any of Saint Pierre and Miquelon’s private healthcare facilities. Their plans are customizable and comprehensive.
Cigna has a Silver, Gold, and Platinum plan with different levels of coverage. All three of these plans share several common key coverage benefits:
- Hospitalization
- Inpatient and outpatient services
- Cancer treatment
- Medical evacuation and repatriation
- Accidental death or total permanent disability compensation
Bupa Global Health Insurance in Saint Pierre and Miquelon
Bupa Global is a top international insurance provider for expats in Saint Pierre and Miquelon, looking for comprehensive and customizable coverage. Bupa Global allows its members to seek second medical opinions if needed and requires no referrals for specialist visits.
Bupa Global offers three international health insurance plans in the islands: Bupa Select, Bupa Premier, and Bupa Elite. Bupa Select offers the most basic and affordable coverage, while Bupa Elite offers the most comprehensive coverage with an annual limit of around USD $4,761,300.
Bupa Global covers the following benefits in its plans:
- Inpatient treatment
- Cancer treatment
- Private hospital room coverage
- Medical evacuation coverage
- Health checks and screenings
MSH International Health Insurance in Saint Pierre and Miquelon
MSH International provides medical insurance for expats in Saint Pierre and Miquelon, through their international health insurance plans, First’Expat+. These plans provide comprehensive coverage to expats and provide access to both emergency and routine medical care.
The First’Expat plan core benefits come in four different tiers of coverage: Hospi, Health, Health+, and Health+Child. Hospi covers hospital services and medical evacuation, Health covers routine healthcare services, Health+ covers vision and dental, and Health+Child covers maternity services.
These core benefits can be further customized with different choices of annual limits and benefits. The coverage tiers of these different annual limits are Quartz, Pearl, Sapphire, and Diamond.
Core benefits included in MSH International First’Expat plans are:
- Emergency hospitalization
- Intensive care
- Surgical procedures
- Laboratory tests and other diagnostics
- Hospitalized emergency dental care
- Cancer treatment
If you’re interested in comparing quotes from international health insurance providers in Saint Pierre and Miquelon, click here!
Facts to Consider When Picking Insurance in Saint Pierre and Miquelon
You should consider your budget, how long your trip is, and what your coverage needs are when choosing a health insurance plan for Saint Pierre and Miquelon. Considering these factors is an important step to finding the right insurance plan for you.
- Your Budget: You should understand how much you can afford in monthly or yearly premiums, but this doesn’t mean you should try to find the cheapest coverage possible. You should ensure that your health and finances will be adequately protected through the coverage limit you purchase.
- The Length of Your Trip: How long your trip is will determine how long you will need to purchase coverage, and whether you will need a travel insurance plan that will last only a few months or something more comprehensive, like an international health insurance plan.
- Your Coverage Needs: Do you plan on needing outpatient care for your time in Saint Pierre and Miquelon? Or preventative care? Take the time to determine where you may need additional medical support to ensure you have the right coverage for your health needs.
Health and Safety Tips for Travelers in Saint Pierre and Miquelon
Saint Pierre and Miquelon is a safe destination for travelers, but some precautions to take are to ensure you know emergency numbers and to receive your routine vaccinations before your trip.
The emergency number in Saint Pierre and Miquelon is 15 or 112.
Conclusion: Compare Plans and Quotes Now
Private health insurance in Saint Pierre and Miquelon can keep expats financially protected while in the French territory. Medical evacuation is important for expats, as they may be transported to Canada or the US if they have a complex medical emergency.
Expats can find coverage for medical emergencies in Saint Pierre and Miquelon through international health insurance plans. Pacific Prime is partnered with a wide variety of global health insurance providers, and can help you find the best fit for your needs.
As a global health insurance broker who specializes in expat health insurance, Pacific Prime can offer a wealth of professional expertise and services. Our tailor-made policies suit every budget and health care need for expats and travellers across the world.
Contact Pacific Prime to discuss, free of charge, a range of health insurance services available for you, your loved ones, or your group. To get a no-obligation, free price comparison quote, visit our website today!
Frequently Asked Questions
What is the best expat health insurance for Saint Pierre and Miquelon?
The best expat health insurance for Saint Pierre and Miquelon depends on your healthcare needs and budget. Most expats usually prefer to purchase international health insurance. Some of the best health insurance providers for expats are companies like Cigna Global, AXA, and Allianz Care.
Does Saint Pierre and Miquelon have a high-quality healthcare system?
Saint Pierre and Miquelon have a relatively high-quality healthcare system that is modeled after mainland France. It has a few weaknesses, namely its small size and limited ability to care for complex medical cases. These cases are usually sent to Canada for treatment.
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