Health insurance for returning Canadians
When returning home after a long trip abroad, there’s always an adjustment period. It also takes time for your provincial health insurance coverage to kick in.
When you are outside the country for more than 183 days, you have to wait three months upon your return to be covered by your provincial insurance plan, like RAMQ.
Without appropriate coverage, medical expenses can become a financial burden. Avoid unpleasant surprises by taking out insurance.
You should also consider taking out insurance before you get back because it takes 48 business hours for the coverage to take effect.
Assurancevoyages.ca understands the needs of inpatriates. Talk to one of our advisors so you get the right coverage for the right price.
Get a deductible to reduce your premium
A limited budget should never prevent you from getting insurance. Reduce your premium with a deductible ranging from $500 to $10,000.
In the event of a claim, the insurer will subtract your deductible from the amount reimbursed.
Speak to a representative for more information about deductibles.
What Health insurance for returning Canadians covers
- 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
How to submit a claim
Call the insurance company you purchased your travel insurance to find out how to submit a claim.
Don’t forget to tell our representatives:
- If before your departure, you are experiencing health problems or illness (also known as pre-existing illness)
- If your health condition is stable and does not prevent you from travelling, despite a pre-existing illness
- If you are already in Canada without insurance