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Health insurance for returning Canadians

Health insurance for returning Canadians at a glance

  • For Canadians returning to Canada
  • Covers medical expenses not reimbursed by a provincial health insurance plan
  • Insured amounts from $100,000 to $300,000
  • Lower insurance premiums when you choose a deductible
  • Can be purchased even after you return to Canada

If you are a Canadian returning home after a long stay abroad, can help you find the best health insurance solution for your needs.

You are considered an inpatriate if you are not covered by a provincial health insurance plan such as RAMQ because you have spent more than 183 days of a single year outside your home province.

Generally speaking, you must wait three months after returning to Canada for your provincial health insurance coverage to resume. You must pay out-of-pocket for any expenses incurred during the waiting period.

Health insurance for returning Canadians: what's covered

Medical expenses

  • Hospitalization
  • Medical examinations and diagnosis
  • Medical items
  • Paramedical services
  • Prescription drugs
  • Transportation by ambulance

Treatment by health professionals

  • Acupuncturist
  • Chiropractor
  • Dentist (in the event of an accident)
  • Osteopath
  • Podiatrist

Transportation expenses

  • Accommodation and meals
  • Air ambulance
  • Repatriation
  • Repatriation in case of death
  • Transportation and accommodation for an accompanying family member at your bedside

Lower your insurance premium with a deductible

To save on your health insurance coverage, you can choose a deductible ranging from $500 to $10,000.

In the event of a claim, the insurer will subtract the amount of your deductible from the amount reimbursed. 

Speak to a representative for more information about deductibles.

Get insured even after you've arrived

You can still purchase insurance if you're already home. 

However, some insurers may require a waiting period of 2 to 7 days before you can make a claim.

Speak to a representative at 1-855-309-5888 if this situation applies to you and to request an insurance quote.

Talk to one of our representatives if...

  • Before arriving in Canada, you had a health problem or illness (also called a pre-existing illness)
  • In spite of a pre-existing illness, your health is stable and does not prevent you from travelling
  • You have already returned to Canada and do not have insurance

Call us at 1-855-309-5888 for help finding the best health insurance product for your needs.

How to submit a claim

Call the insurance company that sold you your health insurance.

They will tell you how to submit a claim.

Our travel insurance products

Soins médicaux d'urgence

Emergency medical expenses

Reimburses emergency health care and repatriation

Annulation et interruption

Trip cancellation and interruption

Reimburses travel expenses before and after your departure



Covers multiple trips per year

Tout inclus


Offers complete coverage: medical expenses, trip cancellation and interruption, baggage

Longue durée

Extended stays

For trips lasting more than one month

Voyage au Canada

Trips made in Canada

Covers Canadians visiting provinces outside their home province



Protects against stolen, damaged, or delayed baggage

Assurance après départ

After departure

Lets you purchase travel insurance after departure

Voiture de location

Car rental

Covers damage caused to a rental car while travelling

Super visa

Super visa

Provides health insurance for your Canadian super visa application