Canada is known for its universal health care system. As a newcomer to Canada, you may not have the same access to provincial or territorial public health care as a Canadian citizen or permanent resident. However, you do have the opportunity to protect yourself financially in the event of a medical emergency.
How does health care work in Canada?
In order to make an informed decision about the type of medical insurance that is right for you, it is helpful to understand the basics of how Canada's health care system works.
Canada's health care system is funded through taxes and administered by the provinces and territories. Provincial and territorial health insurance plans share common features and standards, but they are not identical. This means that they vary from province to province.
Canadian citizens or permanent residents may be required to purchase private health insurance when travelling to another Canadian province or territory.
What alternatives are available to Newcomers insurance Canada?
Health care can be very expensive, especially in emergency situations. If you are not eligible for benefits from a Canadian federal, provincial or territorial health insurance plan, there are several ways to ensure that you have emergency medical coverage while you are visiting Canada or waiting for your provincial or territorial health insurance plan to become active.
One way is to purchase emergency medical insurance. Emergency medical insurance provides coverage for sudden and unexpected circumstances. It is important to note that this type of insurance does not cover medical examinations or routine visits to the dentist. This type of coverage is intended to cover emergency injury or illness and is often referred to as Emergency Medical Insurance for Visitors to Canada (EMCI).
How do I apply for this insurance?
Emergency Medical Insurance for Visitors to Canada can be purchased before leaving your home country, which is recommended, or after you arrive in Canada.
Conditions vary by insurance provider when it comes to purchasing insurance after your arrival in Canada. Some insurers limit the number of days a person has been in Canada to 30. In other words, if a person has been in Canada for more than 30 days, he or she can no longer purchase a policy from the provider.
The products provided by Einsured.ca do not prevent a person from purchasing a VTC policy based on the number of days spent in Canada. As long as the person meets the terms of the contract, they may purchase VTC insurance from Einsured.ca regardless of the length of their stay in Canada.
How do I know which plan is right for my family?
A specially licensed insurance broker or registered travel agent can help you choose the right insurance plan for you!
A licensed broker or agent can guide you through the process and help you choose from a variety of coverage amounts, deductible options and coverage durations.
If you have a pre-existing condition (for example, diabetes, hypertension, heart disease) or if you are taking medication, it is important to understand how your pre-existing condition relates to your insurance coverage. Some plans cover pre-existing conditions, others do not. Most plans require that your condition be stable and controlled for a number of days.
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