Canada Health Insurance for Expats

International Health Insurance for Expats in Canada

It is crucial for expats in Canada to have private health insurance, otherwise the medical bills can easily add up and become unaffordable for most. Canada’s public healthcare system is highly reputed, but only citizens and permanent residents can use the services for free.

At Pacific Prime, we specialize in looking for the ideal insurance plan for your specific needs and budget. Click below for a free quote, or keep reading to learn more about the health insurance options available to expats in Canada.

Recommended International Health Insurance Plans for Expatriates Living in Canada

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

Plan Details Get a Quote

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 $5,000,000

Plan Details Get a Quote

The Healthcare System in Canada

Canada's healthcare system, with its public and private care options, ensures that all residents can access necessary medical services. Public hospitals form the backbone of this system, while private services within public hospitals provide additional flexibility for patients seeking enhanced care.

In emergencies, visitors can call 911 for assistance.

Canada’s Public Hospitals

Funded primarily through provincial and territorial governments, public hospitals play a central role in Canada and ensure that medically necessary services are accessible to all Canadians without direct charges at the point of care. Here, we highlight three notable public hospitals:

• The Ottawa Hospital: Located in the capital city, the Ottawa Hospital is known for its comprehensive range of services and advanced medical technology.

  It features specialized programs in cancer treatment, cardiac care, and trauma services, making it a key facility for both local and regional healthcare.

• Centre hospitalier de l'Université de Montréal (CHUM): CHUM is a leading academic hospital in Montreal, offering extensive healthcare services and research opportunities.

  With a focus on innovation and patient care, it provides a wide array of specialties, including neurology, cardiology, and surgery, supporting both education and health advancements.

• Vancouver General Hospital: As one of Canada's largest hospitals, Vancouver General Hospital serves a diverse population and offers high-level services in critical care, surgery, and rehabilitation.

  It is recognized for its commitment to research and education, partnering with the University of British Columbia to train future healthcare professionals.

Canada’s Private Hospitals

While Canada has private hospitals, they function differently than those in many other countries. These private facilities primarily focus on elective surgeries and specialized care rather than general healthcare services. So, they complement the public healthcare system rather than replace it.

Many public hospitals in Canada also provide private services, allowing patients to access additional amenities and expedited care if they are willing to pay out of pocket or have private insurance. Here are three notable hospitals that offer such private services:

• Mount Sinai Hospital: Mount Sinai Hospital in Toronto, Ontario, is renowned for its exceptional care in women’s health, including obstetrics and gynecology.

  The hospital also provides private patient services, enhancing comfort and convenience for those seeking specialized care in a more personalized setting.

• Hôpital Montfort: Hôpital Montfort in Ottawa, Ontario, is a bilingual facility that delivers a wide range of healthcare services, with a strong emphasis on community health.

  It offers private options for patients looking for quicker access to care, maintaining a commitment to high-quality medical services in both French and English.

• Toronto General Hospital: At No.3 on Newsweek’s list of the world’s best hospitals in 2024, Toronto General Hospital is a leading institution known for its innovative treatments and research in cardiology and organ transplantation.

  It provides private room options and specialized services, catering to patients who prefer a more individualized healthcare experience while benefiting from top-tier medical expertise.

Health Insurance Options in Canada for Expats

Canada's healthcare system, Medicare, is a publicly funded model that ensures access to medically necessary hospital and physician services for its residents. Governed by the Canada Health Act, Medicare provides equitable healthcare across the country through 13 provincial and territorial plans.

While Canadian citizens and permanent residents enjoy comprehensive coverage, the landscape for expats and visitors is more complex, with varying access depending on individual status.

Public Insurance in Canada

Access to Canada’s public healthcare system hinges largely on residency status.

• Permanent Residents and Citizens: Permanent residents or citizens of Canada enjoy full access to public healthcare services. This access typically comes at no direct cost at the point of care, meaning they do not have to pay out of pocket for medically necessary services.

  This framework is grounded in the principle of universality, ensuring that all eligible individuals can receive essential healthcare without financial barriers.

• Temporary Residents: For temporary residents, such as international students, work permit holders, and tourists, the situation is markedly different.

  Generally, these individuals do not qualify for public healthcare coverage. Some provinces may extend limited healthcare benefits to international students, but eligibility and the extent of coverage can vary significantly.

Given this limited access, expats are strongly advised to secure private health insurance to mitigate potential medical expenses while in Canada. Without adequate coverage, they may face substantial costs for healthcare services.

In emergency situations, some hospitals might provide care regardless of a patient's ability to pay; however, this is not guaranteed, and patients may still incur significant charges.

To transition from temporary to public healthcare access, foreigners typically need to apply for permanent residency or meet the specific criteria set by the respective provincial health plans. This transition can be complex and requires careful navigation of applicable regulations.

Private Insurance in Canada

The costs associated with healthcare services in Canada can be high, so having comprehensive private health insurance is a must for expats. This insurance provides a safety net, ensuring that individuals are not left overexposed to unexpected medical costs.

Pacific Prime can assist you when choosing a plan for your needs and budget, at no extra cost to you. So contact us today to find out more!

The benefits often afforded by private facilities include:

• Increased Privacy: Patients typically have access to single or double rooms, which affords them a greater degree of personal space compared to the shared wards in public hospitals.
• Faster Access to Medical Procedures and Services: Wait times for elective surgeries or specialist consultations are often significantly reduced in private settings, allowing for quicker diagnosis and treatment.
• Upgraded Amenities That Enhance Patient Comfort: This includes better furnishings, private bathrooms, and a more personalized approach to care.
• Greater Patient Autonomy: Patients may also enjoy greater flexibility in choosing their healthcare providers or specialists.
• Personalized Attention: With a higher nurse-to-patient ratio, individuals receiving care in private wards often experience more individualized support.

These advantages often lead even Canadian citizens, who are entitled to public healthcare, to prefer private services. Many opt to pay for this "upgrade" through private insurance, highlighting a growing trend where people are willing to spend more for a better healthcare experience.

Best Private Insurance Providers for Expats in Canada

When relocating to Canada, securing a reliable health insurance plan is crucial for expats. Below are five top private insurance providers that cater specifically to the needs of expats, offering comprehensive coverage and excellent service.

VUMI

VUMI offers a range of international health insurance plans designed for expats, featuring annual coverage from USD $2,000,000 to unlimited. Their plans include benefits such as unlimited outpatient visits, coverage for prescribed medications during hospitalization, and emergency transportation.

VUMI also provides features like second medical opinions and coverage for Alzheimer’s-related expenses, ensuring a robust support system for policyholders.

• Over 35 Years of Experience
• Flexible Plans
• Maximum Annual Benefit Limit up to USD $4,500,000
• Exclusive Proprietary Medical Network

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April International

April International’s MyHealth plans are tailored for expats, providing flexible options and comprehensive medical coverage. Their plans range from basic to premium, with annual limits starting at USD $250,000 and going up to unlimited coverage.

Key benefits include no upfront payments for hospitalization, 24/7 multilingual support, and an easy claims process via their mobile app, making it convenient for expats to access care.

• Inpatient treatment
• Outpatient treatment
• Emergency repatriation
• Emergency evacuation
• Maternity coverage
• Vision and dental coverage

Plan Details Get a Quote

Allianz Care

Allianz Care is well-regarded for its international health insurance solutions, offering plans with coverage limits reaching up to USD $5,000,000. Their policies include a wide range of services, such as emergency medical evacuation, home nursing, and oncology treatment.

Allianz also emphasizes preventive care and rehabilitation, ensuring comprehensive well-being for expats.

• Inpatient costs
• Diagnostics and laboratory tests
• Surgeries
• Ambulances transport
• Cancer treatment

Plan Details Get a Quote

Cigna

Cigna provides customizable health plans for expats in Canada, with annual maximum benefits up to USD $2,000,000. Their offerings include extensive coverage for inpatient and outpatient treatments, cancer care, and mental health services.

Cigna’s global presence ensures that expats can access healthcare services seamlessly, backed by local expertise and support.

• Hospitalization
• Inpatient and daypatient treatments
• Cancer treatments
• Physiotherapy
• Accidental death or total permanent disability compensation

Plan Details Get a Quote

Facts to Consider when Picking Insurance in Canada

When selecting a private health insurance plan, naturally it's crucial to consider the insurer's reputation for fairness and the availability of direct billing. However, these are not the only important facts to consider:

1. Coverage Limits: Evaluate the plan's coverage limits, as these indicate the maximum amount covered for medical expenses. Ensure they align with your needs, especially if extensive care is anticipated.
2. Range of Benefits: Review the benefits offered, ensuring comprehensive coverage that includes inpatient and outpatient services, preventive care, maternity, mental health services, and prescription medications.
3. Provider Network: Assess the size and quality of the insurer's healthcare provider network. A larger network offers access to more hospitals and clinics, reducing wait times and enhancing care quality.
4. Insurer Reputation: Research the insurer’s reputation through feedback and ratings from current policyholders. A reputable insurer is likely to offer reliable support and fulfill its commitments.
5. Exclusions: Examine policy exclusions carefully. Many plans may not cover specific pre-existing conditions, certain treatments, or alternative therapies, so understanding these is vital to avoid unexpected costs.
6. Direct Billing Options: Confirm if the insurer provides direct billing with healthcare providers, allowing you to receive treatment without upfront payments, simplifying the process and reducing financial stress.
7. Adventure Activities and Support: If you plan to participate in adventure activities, check if the policy covers these events. Also, ensure the insurer provides 24/7 emergency assistance for urgent medical situations.
8. Medical Evacuation Coverage: If you require transport for necessary medical care, medical evacuation coverage will help cover transport costs and provide logistical support.

Health and Safety Tips for Travelers in Canada

Insurance enables you to recover more easily and quickly, but it’s equally important to prevent illnesses and accidents in the first place. Here are some essential tips:

Health Tips

• Dress Appropriately: Layer your clothing to protect against cold exposure, especially in winter. Ensure you cover all exposed skin to prevent hypothermia.
• Stay Hydrated: Drink plenty of water, especially when engaging in outdoor activities, to avoid dehydration.
• Avoid Contaminated Water: Be cautious when drinking from natural water sources to prevent giardiasis, a gut infection common in freshwater settings.
• Protect Against Ticks: Use insect repellent and wear long sleeves in wooded areas to reduce the risk of Lyme disease, particularly during warmer months.
• Check Health Insurance: Ensure your travel insurance covers medical expenses, as tourists are not covered by Canadian healthcare.

Safety Tips

• Be Aware of Your Surroundings: Keep an eye on your belongings in urban areas to avoid petty theft. Secure valuables in your vehicle and avoid leaving them in plain sight.
• Follow Local Laws: Understand and adhere to laws regarding alcohol and drug use, as violations can lead to severe consequences, including deportation.
• Drive Cautiously: Be prepared for varying road conditions, especially in winter. Check weather forecasts and have emergency supplies like food and warm clothing in your vehicle.
• Stay Informed About Natural Disasters: Familiarize yourself with the risks of hurricanes, tornadoes, and forest fires in specific regions, and plan accordingly.

Frequently Asked Questions

What should expats know about Canada’s public healthcare system?

Canada’s public healthcare primarily serves citizens and permanent residents. Temporary residents, like international students and tourists, often lack access, making private health insurance essential to cover potential medical expenses.

What are the benefits of private health insurance for expats?

Private health insurance offers quicker access to medical procedures, more privacy, and enhanced comfort compared to public services. It also provides comprehensive coverage for both inpatient and outpatient services, reducing financial strain during medical emergencies.

What factors should expats consider when choosing health insurance in Canada?

Expats should evaluate coverage limits, the range of benefits, provider networks, and the insurer’s reputation. Understanding exclusions and checking for direct billing options can also significantly impact the overall healthcare experience and financial security.

Compare Plans and Quotes Now

At Pacific Prime, we offer a comprehensive suite of insurance products, including international health insurance and medical evacuation (medevac) coverage. We also offer family health, maternity health, dental insurance, travel insurance, and much more.

To discover more about our insurance plans available in Canada or to get a free quote, contact one of our professional advisors today! You can also compare plans using our online comparison tool.