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Find out your health insurance needs.
Updated on January 13, 2025
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This is a question we hear all the time. The confusion often stems from the fact that Canada鈥檚 is well-known around the world for having a robust publicly-funded healthcare system that gives Canadians access to certain medical services for 鈥渇ree鈥� (healthcare is paid through taxes, so you鈥檒l feel the cost in your paycheque).
But, how do you get access to this healthcare system? And what do you do if you can鈥檛 access it?
Well, that鈥檚 what we鈥檙e here to answer. In short, your access to Canada鈥檚 publicly-funded healthcare system depends on two things:
We will explore both so you can make sure you have the coverage you need, for when you need it.
New residents to Canada get different access to healthcare depending on their immigration status. For example, visitors don鈥檛 get any access to the publicly-funded healthcare system, so all visitors are encouraged to buy private health insurance.
We recommend two companies to get started with when researching health insurance:
Meanwhile, permanent residents, like those admitted through the Express Entry system, receive the same access to healthcare as Canadian citizens鈥� except for one tiny problem:
Sometimes new immigrants who should, in theory, have access to the Canadian healthcare system, have to wait a few weeks or months after they arrive in Canada before they gain access to the publicly-funded system. The length of this delay, or whether or not there is even a delay, depends on the province in which the newcomer chooses to reside.
For example, in Ontario, new residents with permanent resident status need to wait three months to gain access to the publicly-funded system, while in Nova Scotia, the same group of people gain access as of their first day as residents.
You might be wondering what the situation is for you. For the rest of this article, we鈥檙e going to break down what to expect for healthcare in your first few months in Canada. First, we鈥檙e going to review what to expect for different types of immigration status. Second, we鈥檙e going to review what to expect in each province.
If you are not yet in Canada, but you鈥檙e planning on arriving soon, consult this list of common types of immigration status to figure out your health insurance needs for your first months in Canada.
If you鈥檙e planning to come to Canada on an IEC work permit, your insurance needs are very straightforward. You need to purchase private insurance for the full duration of your IEC work permit.
If you鈥檙e eligible for a 12-month work permit, you need to have a 12-month insurance policy when you land in Canada. The same goes for those of you eligible for a 24-month work permit 鈥� you鈥檒l need to get a policy of 24 months鈥� duration. If you show up with a six-month policy, your work permit will only be issued for a six-month period, with no option to extend it later on. If you show up in Canada without any insurance, you鈥檙e going to be turned away.
Compare your options for IEC health insurance听 by offered by BestQuote, an insurance provider we trust.
You鈥檝e been approved for permanent resident status? Congrats! We know those applications aren鈥檛 easy, so good work on getting to this stage.
As you鈥檝e probably heard a thousand times already, 鈥渁s a permanent resident, you get full access to the publicly-funded Canadian healthcare system.鈥� But, be careful for your first few months, as you might not have the medical coverage you think you do.
Yes, as a permanent resident, you gain access to Canada鈥檚 healthcare system. However, you need to register with your province or territory of residence in order to access the system. In some provinces and territories, it takes time to register for healthcare. During this time, it may be a good idea to purchase private insurance coverage to ensure that you鈥檙e covered in the event of any healthcare needs.
To find out the process for your province or territory, skip below to our province-by-province listings for health insurance requirements.
As a super visa holder, you absolutely need to purchase private insurance coverage for at least one year from your date of entry to Canada. It doesn鈥檛 matter where you plan to reside in Canada, you鈥檝e got to have insurance to get into the country, so make sure you鈥檝e got it!
Compare your options for super visa insurance by offered by BestQuote, an insurance provider we trust.
If you鈥檙e coming to Canada as a temporary worker (except for IEC), you may qualify for provincial or territorial health insurance or you may need private insurance. However, some employer-based work permits require that your employer makes sure you have access to insurance, either from the public system or through a private policy.
As such, one way to start researching your options is by asking your employer about health insurance. You can also consult the list of provinces below to find out if you鈥檒l get access to the publicly-funded system.
Coming to study in Canada? You鈥檙e in for a wild ride, with some great schools and even better student life. But, what about insurance?
International students are required to have insurance for the full duration of their study permits. Most international students have to purchase private health insurance coverage, although a handful of provinces enable international students to opt in to the publicly-funded system.
Many of Canada鈥檚 schools offer international students insurance packages organized through the school itself. This removes the hassle of finding a quality provider, though it does not guarantee the best coverage or the most affordable rate.
If you are planning to study in Canada, you should check first with your school. They should be able to give you detailed insurance information and recommendations for international students in your exact position!
As a visitor or tourist to Canada, you should make sure you have insurance coverage in case anything goes wrong with your trip. Unexpected medical procedures can set you back thousands or even tens of thousands of dollars, so you鈥檙e better safe than sorry. As with almost all insurance we buy in our lives, you might be tempted to skip out and risk it, but you鈥檒l rest easier with the peace of mind that if something goes wrong, you鈥檙e covered.
If you are planning to immigrate to Canada, you may be eligible for health coverage from the publicly-funded health care system. However, this coverage is administered at the provincial level and eligibility requirements vary from province to province. Consult this list to determine the requirements for your intended province of residence.
Our recommendation: You might be eligible for Alberta鈥檚 provincial coverage, but it will take time to process your application and check your eligibility. If you have any doubts about your eligibility, purchase private health insurance for the first few months of your stay.
If you are moving to Alberta from another country, you should be eligible to apply for provincial health care coverage as long as you intend to stay in Alberta for at least 12 months and you can demonstrate this through your immigration documents. But! You do have to apply for coverage, and it can take some time for this application to be processed. For this reason, if you are unsure whether or not Alberta will approve your application, you may want to purchase private insurance in the interim.
New immigrants to Canada can apply for health care coverage in Alberta through the . You must apply within three months of arriving in Alberta, or else you will not receive coverage retroactive to your landing date. .
Permanent residents: Eligible for AHCIP.
Temporary workers: Eligible for AHCIP with a six-month work permit (or longer) and the intention to reside in Alberta for at least 12 months.
International students: Eligible for AHCIP with a 12-month study permit (or a three-month+ study permit and a letter proving intent to reside), plus the intention to reside in Alberta for at least 12 months).
Our recommendation: You should purchase private health insurance for your first three months in British Columbia, as no new residents are eligible for provincial coverage until they complete a three-month wait period. Read our complete guide to health care in British Columbia for newcomers.
The province of British Columbia makes provincial health coverage available to new residents only after they complete a wait period of approximately three months (the completion of the month when the resident arrives in B.C., plus an additional two months). Once you complete this waiting period, you may apply for health insurance through the British Columbia Medical Services Plan (BC MSP), but only if you meet the residency requirements.
Permanent residents: Eligible for BC MSP.
Temporary workers: Eligible for BC MSP with a work permit valid for six months or longer in duration. Working Holiday participants who are working in B.C. for at least 18 hours per week may also be eligible, but this does not negate the requirement to show proof of insurance upon entry to Canada.
International students: Eligible for BC MSP with a study permit valid for six months or longer.
Our recommendation: You should purchase private health insurance for your first three months in Manitoba, as there is a wait period of approximately three months before new residents become eligible for provincial coverage.
In Manitoba, provincial health coverage is extended to new residents only after they complete a wait period of approximately three months (the completion of the month when the resident arrives in Manitoba, plus an additional two months). Once you complete this wait period you may apply for health insurance through , but only if you meet the residency requirements.
Permanent residents: Eligible for MHSAL coverage.
Temporary workers: Eligible for MHSAL coverage with a work permit based in Manitoba that is valid for at least 12 months.
International students: Not eligible for MHSAL.
Our recommendation: You should purchase health insurance for your first three months in New Brunswick, as there is a mandatory three-month waiting period before new residents can apply for provincial health coverage.
The province of New Brunswick allows certain new residents to apply for health care coverage after completing a mandatory wait period of three months from the date they arrive in the province. Once you complete this wait period, you may apply for coverage through .
Permanent residents: Eligible for NB Medicare.
Temporary workers: Eligible for NB Medicare with a work permit that is valid for at least 12 months.
International students: Eligible for NB Medicare with a valid study permit and proof of enrolment in full-time, post-secondary studies for at least one full scholastic year.
Our recommendation: Apply for provincial healthcare coverage as soon as you arrive in Newfoundland. Purchase private coverage for the period while your application is being processed.
Newfoundland and Labrador allows many new residents to apply for healthcare coverage without any mandatory waiting period. Ensure that you meet the residency requirements and apply for provincial coverage as early as possible through the .
Permanent residents: Eligible for Newfoundland Medical Care Plan (MCP).
Temporary workers: Eligible for Newfoundland MCP with a work permit of either 12-months or six-months in duration (depends on the type of work permit).
International students: Eligible for Newfoundland MCP with a study permit that is valid for at least 12 months and proof of full-time enrolment at a Newfoundland post-secondary institution in a program of 12 months or longer.听[/vc_menu_accordion][vc_menu_accordion accordion_title=鈥漀orthwest Territories: Health insurance requirements for new immigrants鈥漖Our recommendation: Purchase private insurance for your initial months in Canada until your application for territorial coverage has been approved.
The Northwest Territories is one of Canada鈥檚 northern regions with a sparse population. The territory does not state a mandatory wait period for new residents from outside Canada, so you may apply as soon as you are in the territory and have the documents required to prove this. Applications for territorial health coverage are accepted through the .
Permanent residents: Eligible for NWT HCP.
Temporary workers: May be eligible for NWT HCP. Work permit holders should contact territorial health authorities before applying to confirm eligibility.
International students: May be eligible for NWT HCP. Study permit holders should contact territorial health authorities before applying to confirm eligibility.
Our recommendation: If you have an eligible immigration status (permanent resident, temporary worker), apply for provincial coverage as soon as you arrive in the province. You should receive retroactive coverage from the first day you arrive in Nova Scotia, but you may want to purchase private insurance until you have confirmed that your provincial coverage has been approved.
Nova Scotia grants first-day coverage to certain new immigrants to the province (permanent residents and temporary workers). If you are eligible, you should apply as soon as you arrive in the province. Applications may be submitted for .
Permanent residents: Eligible for NS MSI as of day one in Nova Scotia.
Temporary workers: Must have a work permit valid for at least 12 months. Eligible for NS MSI as of day one in Nova Scotia or the date the work permit is issued (whichever is later). Workers must sign a declaration and must not be outside Nova Scotia for more than 31 days within a year except for work-related purposes.
International students: Only eligible for NS MSI after spending 12 months in Nova Scotia as an international student.
Our recommendation: Contact the before travelling to Canada to confirm eligibility and determine if private health insurance is needed.
Nunavut is Canada鈥檚 most remote northern territory with a tiny population and limited infrastructure. The territory states that immigrants with certain status gain access to the , but exact details about eligibility and application processes are not fully outlined. If you intend to immigrate to Nunavut, we recommend contacting Nunavut鈥檚 health department in advance
Permanent residents: Eligible for the Nunavut Health Care Plan.
Temporary workers: Eligible for the Nunavut Health Care Plan with a work permit valid for at least 12 months and with a Nunavut address.
International students: Eligible for the Nunavut Health Care Plan with a study permit valid for at least 12 months and with a Nunavut address.
Our recommendation: Purchase private health insurance for at least the first three months in Ontario. It takes approximately three months for your provincial coverage to take effect after you鈥檝e been approved. Read our complete guide to health care in Ontario for newcomers.
Ontario allows eligible new immigrants to apply for health insurance as soon as they arrive in the province, but even after your application is approved, it takes around three months for your coverage to kick in. In case you need medical care during that gap period, it鈥檚 best to purchase private insurance. Ontario鈥檚 provincial health care is administered through the .
Permanent residents: Eligible for OHIP.
Temporary workers: Eligible for OHIP with a work permit and after working, full-time, for an Ontario employer for at least six months. Workers through Caregiver immigration streams may be eligible for OHIP without the six months of work experience.
International students: Not eligible for OHIP, must purchase private insurance.
Our recommendation: Purchase private health insurance for your first three months in Quebec.
Quebec鈥檚 healthcare system allows newcomers to apply for coverage as soon as they arrive in the province, but there is a wait period of three months for applications to be processed and coverage to become active. This wait period only starts once you register for coverage, not when you arrive in the province. For this reason, it is important to apply to the as soon as possible after arriving and to ensure that you have private health insurance coverage while your application is being processed and the wait period is in effect.
Permanent residents: Eligible for RAMQ.
Temporary workers: May be eligible for RAMQ with a valid work permit and proof of residence in Quebec. The Quebec health department does not list explicit criteria for determining eligibility of foreign workers, but enables work permit holders to apply.
International students: Not eligible for RAMQ (except for select students under certain Quebec scholarship programs).
Our recommendation: Apply for provincial coverage as soon as you arrive in PEI. As long as you meet the requirements, you should be eligible for retroactive coverage from the day you arrived in the province, although it will take some time to process the application. You may want to consider purchasing private insurance until your provincial coverage has been confirmed.
Prince Edward Island administers health coverage using the . Many new immigrants are eligible to apply for coverage which extends retroactively to cover all health services you have received since arriving in the province.
Permanent residents: Eligible for first-day coverage using a PEI Health Card.
Temporary workers: Eligible for first-day coverage with a work permit valid for at least six months.
International students: Eligible for coverage with a study permit and proof of enrolment in a full-time post-secondary program in PEI.
Our recommendation: Consider purchasing private coverage for your first months in Saskatchewan until your provincial coverage has been confirmed.
Saskatchewan extends provincial health care through to new permanent residents, workers, and students, but the province usually requires new residents to go through a three-month wait period before they become eligible. This wait period may be waived for new permanent residents, but it is best to confirm your eligibility for this exemption with the Saskatchewan鈥檚 health ministry to determine if buying private insurance may be necessary.
Permanent residents: Eligible for Saskatchewan Health Coverage.
Temporary workers: May be eligible for Saskatchewan Health Coverage with a valid work permit and proof of residence in Saskatchewan. The Saskatchewan health department does not list explicit criteria for determining eligibility of foreign workers, but enables work permit holders to apply.
International students: May be eligible for Saskatchewan Health Coverage with a valid study permit and proof of enrolment in full-time studies in Saskatchewan. The Saskatchewan health department does not list explicit criteria for determining eligibility of international students, but enables study permit holders to apply.
Our recommendation: Apply for territorial coverage as soon as you arrive in the Yukon. Consider purchasing private health coverage until your territorial coverage has been confirmed.
The Yukon is one of Canada鈥檚 northern territories. If you are planning to move to the Yukon, you may be eligible for territorial health coverage if you are a permanent resident or a temporary worker. This health care is administered through the . Yukon鈥檚 health department does not state that there is a wait period for new residents, so you can apply upon arrival, but may want private coverage until you confirm your territorial coverage has been approved.
Permanent residents: Eligible for YHCIP.
Temporary workers: Eligible for YHCIP with a work permit valid for at least 12 months.
International students: Not eligible for YHCIP.
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