Health Insurance for Newcomers to Canada: Your Essential Guide (2025)
Published on June 17, 2025 | By WealthFusions Editorial Team
Welcome to Canada! One of the most important things to arrange when you arrive is health insurance coverage. While Canada has a publicly funded healthcare system, not all newcomers are covered immediately. This guide explains how provincial health insurance works, what to do during the waiting period, and how to choose private health plans for complete protection.
1. Understand Provincial Health Coverage
Each province in Canada manages its own healthcare system. Most offer free public health insurance for residents, but eligibility and start times vary. Here’s a snapshot:
| Province | Waiting Period | Plan Name | What’s Covered |
|---|---|---|---|
| Ontario | None (as of Mar 2020) | OHIP | Doctor visits, hospital stays, diagnostic tests |
| British Columbia | 3 months | MSP | Basic medical services, lab tests, surgeries |
| Alberta | None | AHCIP | Physician & hospital care, diagnostics |
| Quebec | 3 months | RAMQ | Doctor/hospital visits, lab services |
| Manitoba | Up to 3 months | Manitoba Health | Basic healthcare services, hospital care |
Tip: Apply for your health card as soon as you arrive to start your coverage countdown.
2. What’s Not Covered by Public Plans?
While provincial health insurance covers essential medical services, it does not cover the following:
- Prescription drugs (except during hospitalization)
- Dental and vision care
- Physiotherapy, massage, or chiropractic
- Ambulance services in some provinces
- Private or semi-private hospital rooms
This is where private insurance becomes crucial—especially for families with children or seniors.
3. Buying Private Health Insurance for the Waiting Period
If you move to a province with a waiting period (like BC or Quebec), consider temporary private insurance plans that offer:
- Emergency medical care and hospitalization
- Prescription drug coverage
- Paramedical services (e.g., physio, mental health)
- COVID‑19 treatment and testing coverage
Popular insurers:
- Manulife CoverMe: Plans for newcomers, including families and students
- Sun Life: Short‑term health coverage and permanent policies
- Blue Cross: Provincial-level plans with bilingual service (especially in Quebec)
| Provider | Monthly Premium (Individual) | Coverage Limit | Waiting Period |
|---|---|---|---|
| Manulife | $75–$125 | Up to $1M/year | None |
| Blue Cross | $90–$140 | $500,000–$2M | 24 hours |
| Sun Life | $85–$130 | $1M | 48 hours |
4. Choosing the Right Plan
When selecting health insurance, consider the following:
- Your immigration status: Permanent residents and workers may get faster access.
- Family size: Family plans are more cost-effective than individual coverage for each member.
- Pre-existing conditions: Some insurers exclude them unless specified.
- Budget: Aim for a plan that covers essentials with premiums below $150/month per adult.
5. Health Insurance for International Students
International students are generally required to have health coverage during their studies. Each province has specific rules:
- BC & Alberta: Students are eligible for public coverage if staying 6+ months.
- Ontario: Students use UHIP (University Health Insurance Plan), costing ~$756/year.
- Quebec: May have reciprocal agreements for students from certain countries like France or Belgium.
Conclusion: Protect Your Health and Wallet
Newcomers should not assume they are automatically insured. Check your province’s waiting period and secure private coverage immediately to avoid costly medical bills. Once you become eligible for provincial coverage, keep private insurance for additional peace of mind.
Need help choosing the right plan? Contact our team for free health insurance guidance tailored to your immigration status and family situation.
Frequently Asked Questions
- 1. Is healthcare in Canada free for newcomers?
- Only after qualifying for public health insurance. Some provinces have a waiting period.
- 2. What happens if I get sick before I have public coverage?
- You will pay out of pocket unless you have private insurance.
- 3. How soon should I apply for health insurance?
- Immediately upon arrival. Private plans can be arranged before arriving in Canada.
- 4. Does travel insurance count as health insurance?
- No. Travel insurance often excludes long-term or routine care.
- 5. Are prescription drugs covered in Canada?
- Only during hospitalization. Otherwise, you need private coverage or a work plan.
- 6. Can I buy insurance just for my children?
- Yes. Many providers offer child-only health plans or family bundles.
- 7. Is dental care covered?
- No. Dental is private in Canada unless offered through your employer or private insurance.
- 8. What is the best private insurance for newcomers?
- Manulife, Blue Cross, and Sun Life are top-rated for flexibility and fast approvals.