Health insurance for returning Canadians
If you are a Canadian returning home after a long stay abroad, assurancevoyages.ca 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 examinations and diagnosis
- Medical items
- Paramedical services
- Prescription drugs
- Transportation by ambulance
Treatment by health professionals
- Dentist (in the event of an accident)
- Accommodation and meals
- Air ambulance
- 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
Reimburses emergency health care and repatriation
Reimburses travel expenses before and after your departure
Covers multiple trips per year
Offers complete coverage: medical expenses, trip cancellation and interruption, baggage
For trips lasting more than one month
Covers Canadians visiting provinces outside their home province
Protects against stolen, damaged, or delayed baggage
Lets you purchase travel insurance after departure
Covers damage caused to a rental car while travelling
Provides health insurance for your Canadian super visa application