Insurance for Returning Canadians

Returning home after a long stay outside Canada? Are you waiting for provincial health insurance? Travel insurance for visitors to Canada could certainly meet your needs.

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Soins hospitaliers et médicaux d’urgence

Coverage for hospital care

Médicaments sur ordonnance

Prescription drug coverage

Transport médical d’urgence

Ambulance transportation included

The importance of insurance coverage when you arrive in Canada

A medical consultation or a brief hospital stay can involve very high medical expenses when they are not covered by the provincial health insurance plan (e.g. RAMQ). It's important to take out insurance to ensure your peace of mind in the event of illness or accident. Whatever your situation, whether you're visiting Canada for a few days or months, or waiting for provincial health insurance coverage, don't be caught unprepared for the unexpected.

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Start buying your insurance policy with complete transparency and in a secure environment. If in doubt, talk directly to our licensed team to help you make the right choice.

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What is covered by insurance for returning Canadians?

In the event of an unexpected health problem or accident, an uninsured returning Canadian could face significant medical expenses. To prevent this risk, a visitor's insurance plan will cover eligible medical expenses related to a medical emergency upon your return to Canada.

We have selected a variety of coverage plans from several insurers to meet your needs. These plans offer coverage ranging from $25,000 to $300,000 per traveller. What's more, you can reduce your premium by selecting deductibles.

Please note that plans for returning Canadians are the same as those for Visitors to Canada.

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Médicaments sur ordonnance

Prescription drugs

Certains services de professionnels de la santé

Certain health professional services

Soins hospitaliers et médicaux d’urgence

Emergency hospital and medical care

Transport médical d’urgence

Emergency medical transportation

Soins dentaires et médicaux d’urgence

Emergency and accident dental care

Décès et mutilation par accident

Accidental death and dismemberment

Voyage secondaire à l’extérieur du Canada

Secondary travel outside Canada

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Frequently asked questions

We've put together some frequently asked questions. Can't find the answer to your question? Don't hesitate to contact a member of our team.

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What is a deductible?

A deductible is the predetermined amount you must pay before the remaining eligible expenses are covered by the insurer. In other words, the deductible is the amount that remains at your expense in the event of a claim.

When is the best time to take out a coverage?

Most insurers impose a minimum waiting period of 48 hours when the policy is taken out after arrival in Canada, or when a previous policy expires. Any illness occurring during this waiting period, as well as related expenses even if incurred once the waiting period is over, are not covered.

We recommend that you choose your insurance coverage before you arrive in Canada. That way, you’ll be able to anticipate any delays in activating your coverage.

What is a pre-existing health condition?

A pre-existing condition is an illness, injury or health problem that existed prior to the effective date of insurance, for which you may or may not have sought medical attention, or for which you have exhibited signs and symptoms.

Why do I need private insurance if I’m Canadian?

A prolonged absence from Canada may affect your eligibility for provincial health insurance. It is important to validate the eligibility requirements of each province and to inform the responsible authorities of any trip or other stay outside the province that contravenes the presence rule applicable to your situation.

Consequently, if you are not covered by the provincial health insurance plan, medical and hospitalization expenses will not be covered. These costs can be very high, depending on the emergency and health situation. Insurance can help cover this risk.

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