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Comprehensive Student Health Insurance in Canada

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by Kathy Watkins

International Student Health Coverage in Canada

Canada is well-known for its public health care system, but it’s important to note that these benefits are mostly reserved for Canadian citizens and permanent residents. As such, international students enrolling in Canadian educational institutions must secure health coverage for the entire period of their academic program.

The Canadian health care system is not uniform and differs across provinces. Prospective international students should thoroughly explore the health care services available in the province where they intend to study. A few provinces include international students in their provincial health plans, while others require them to obtain private health insurance. Additionally, provincial plans differ in terms of what medical expenses and pre-existing conditions they cover. Generally, most provinces mandate international students to subscribe to private health insurance plans. 

Student Health Insurance

For provinces that necessitate international students to have health insurance, universities and colleges frequently provide insurance packages. Some educational institutions mandate enrollment in their provided health insurance plans, whereas others allow students to opt out if they present proof of having secured private insurance from a different provider.

Regardless of the circumstances, educational institutions are well-versed in the health insurance requirements for international students and can guide them on whether they qualify for coverage under the provincial health system.

Understanding Canada’s Healthcare System

In Canada, all citizens and permanent residents enjoy comprehensive access to essential hospital services without the burden of out-of-pocket expenses. Although the federal government mandates universal healthcare, each province and territory administers its own healthcare programs, leading to differences in coverage based on regional residency. This universal healthcare system provides fundamental coverage, focusing on medically necessary services.

For individuals in Canada on temporary visas or without permanent resident status, medical services typically require out-of-pocket payments unless covered by private health insurance. Many Canadian immigration pathways necessitate that temporary residents secure such insurance for the entire duration of their stay.

In the case of a medical emergency, all provinces and territories in Canada are committed to offering free essential services, even to those lacking a government health card. However, the scope of these services can be significantly limited based on the individual’s immigration status. 

Healthcare Services for Students by Province

Alberta Availability of Public Health Insurance: Yes

International students residing in Alberta for a minimum of six months generally qualify for provincial health coverage under the Alberta Health Care Insurance Plan (AHCIP).

Keep in mind that AHCIP primarily covers essential medical services and does not extend to dental care or medications. International students not qualifying for AHCIP will need to secure a private health insurance plan from a relevant provider.

British Columbia Availability of Public Health Insurance: Yes

Students planning to study in British Columbia for over six months are eligible for the province’s Medical Services Plan (MSP). It is crucial to apply for this coverage immediately upon arrival in BC, even though the processing time can take up to three months. Application for MSP can only be initiated once in Canada.

During the initial three-month waiting period prior to MSP eligibility, international students can rely on iMED for basic health coverage.

Additionally, students might consider obtaining supplementary health insurance to enhance the basic MSP coverage. Many educational institutions offer extended health plans to their students and may even mandate the purchase of these plans.

Should a student be ineligible for MSP, they must acquire private health insurance to cover their medical needs during their stay in Canada.

Manitoba
Public Health Insurance for International Students: Not Available

In Manitoba, international students are required to enroll in the Manitoba International Student Health Plan. This plan provides coverage for emergency medical services that can be expensive for non-residents, such as hospital stays, doctor visits, and x-rays.

New Brunswick
Public Health Insurance for International Students: Available

International students who meet specific requirements can access New Brunswick Medicare coverage. To qualify, students must be enrolled full-time at a New Brunswick educational institution for at least one full academic year. New Brunswick Medicare offers basic medical coverage, so students are advised to consider additional health insurance options through their institution or other private providers.

Newfoundland and Labrador
Public Health Insurance for International Students: Available

All registered international students in Newfoundland and Labrador are automatically included in the Foreign Health Insurance plan. They are eligible for complimentary basic health coverage through the province’s Medical Care Plan (MCP) if they are pursuing full-time studies for at least 12 months. Students who are not eligible for this program are required to obtain private health insurance during their stay in Canada. While MCP offers basic coverage, international students should explore the benefits of extended health insurance plans.

Northwest Territories
Public Health Insurance for International Students: Available

International students in the Northwest Territories can apply for health insurance through Northwest Territories Health Care (NWTHC) if their study program lasts longer than 12 months. NWTHC offers free basic healthcare for residents of the Northwest Territories. Since this coverage is basic, it is recommended that international students look into additional healthcare options through private insurance providers.

Student Health Insurance

Nova Scotia

Availability of Public Health Insurance: No

In Nova Scotia, international students are required to purchase private health insurance since they’re not eligible for the provincial health care system. Most educational institutions in Nova Scotia provide healthcare plans, and some even mandate international students to enroll in these. Although international students don’t receive public health insurance initially, after residing in Nova Scotia for a minimum of 12 months, they can access it.

The estimated cost for private health insurance in Nova Scotia is about $650, covering 12 months.

After the first year, students can apply for a Nova Scotia Health Card to access basic medical services through Medical Services Insurance (MSI). Once they have a provincial health card, students may opt-out of the institutional health care plans.

Nunavut

Availability of Public Health Insurance: Not Applicable

Since Nunavut does not have any designated learning institutions (DLIs) for international students, no health insurance provisions are available for them in this region.

Ontario

Availability of Public Health Insurance: No

International students in Ontario are not eligible for the Ontario Health Insurance Plan (OHIP). Therefore, all higher education institutions in Ontario provide health insurance options specifically for international students.

Public universities typically offer health insurance via the University Health Insurance Plan (UHIP), whereas colleges and private institutions may offer different options from other insurers. These plans are not complimentary and are typically included in a student’s tuition and fees.

Prince Edward Island

Availability of Public Health Insurance: Yes

International students in Prince Edward Island (PEI) may qualify for public health insurance if they reside in the province for at least six months. However, to apply for a PEI Health Card, one must reside in the province for at least three months. Accordingly, international students should initially acquire private health insurance, either through their institution or another provider, at the start of their studies.

Once international students obtain a PEI Health Card, they can potentially discontinue their private health insurance plan. 

Quebec

Availability of Public Health Insurance: Conditional

In Quebec, there are agreements with ten countries that may allow residents from those nations to qualify for basic health coverage through the Régie de l’assurance maladie du Québec (RAMQ). This arrangement may offer free basic health insurance to eligible individuals.

For international students from countries without these agreements, the educational institution will typically require them to join a group health insurance plan available through the school.

If a student cannot access RAMQ or their institution’s health insurance plan, they must purchase private health insurance for their entire stay in Canada.

Saskatchewan

Availability of Public Health Insurance: Yes

International students in Saskatchewan who are enrolled for a period of six months or longer might qualify for the province’s free basic health coverage by securing a Saskatchewan Health Card. Some schools in Saskatchewan might automatically enroll students in a private health insurance plan.

Students can opt out of this plan if they can prove they have coverage from the Saskatchewan Health Card or another private insurer.

Yukon

Availability of Public Health Insurance: No

Yukon hosts one primary designated learning institution, Yukon College. Here, all international students are automatically enrolled in a mandatory group health insurance plan to cover their healthcare needs during their enrollment.

Out-of-Province Medical Coverage for International Students in Canada

At Immigration to Canada, we understand the importance of comprehensive health insurance for international students. Provincial health insurance often covers medical expenses within the province where you are studying. However, if you’re planning to travel outside your province, whether to another province in Canada or internationally, it’s crucial to check the extent of your coverage.

International students should consult their health insurance provider to verify if their current plan offers protection while traveling. If your health insurance policy does not cover medical expenses during trips outside your province of study, you have the option to secure private health insurance. This additional coverage will ensure you are protected from unexpected medical expenses during your travels. 

Healthcare Options for International Students in Canada

For international students considering private insurance options in Canada, there are several valuable tools and resources available: 

Find Insurance Tool:

Managed by the OmbudService for Life & Health Insurance (OLHI), this public service resource provides a comprehensive list of 99% of insurance programs offered by Canadian life and health insurance companies. It’s an excellent starting point for anyone exploring healthcare insurance options.

OmbudService for Life & Health Insurance (OLHI):

This independent Canadian organization offers vital information for consumers of life and health insurance. Moreover, it provides impartial complaint resolution services to assist insurance users in addressing any issues that may arise.

FAQ
Is health insurance mandatory for international students in Canada?

Yes, health insurance is mandatory for all international students in Canada. The coverage requirements may vary by province, so it's important to verify the specific requirements of the region where you'll be studying.

What are the health insurance options available for international students in Canada?

International students can access health insurance through provincial health care plans in some provinces or through private insurance plans. Many educational institutions also offer health insurance plans for their students, which can be a convenient option.

How do I enroll in a provincial health care plan as an international student?

Enrollment in a provincial health care plan depends on the province. In provinces like British Columbia and Alberta, international students can apply for provincial health coverage after arriving. You will typically need to present your study permit and proof of residence in the province.

What does student health insurance typically cover in Canada?

Student health insurance in Canada generally covers basic medical services such as doctor visits, hospital stays, and emergency care. Some plans may offer additional coverage for prescription drugs, dental care, vision care, and mental health services, depending on the provider and plan.

Are there exclusions in student health insurance plans that international students should be aware of?

Yes, health insurance plans may have exclusions or limited coverage for pre-existing conditions, elective procedures, or certain types of treatments. It is crucial to thoroughly review the terms and conditions of your policy to understand what is and isn't covered.

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