Health Insurance for Newcomers to Canada
Most provinces have a 3-month waiting period before public health coverage (OHIP, MSP, RAMQ) begins. Private newcomer insurance bridges this gap.
Provincial Waiting Periods
- Ontario (OHIP): 3 months
- British Columbia (MSP): 3 months
- Quebec (RAMQ): 3 months
- Alberta (AHCIP): No waiting period
- Manitoba, Saskatchewan, Atlantic provinces: No waiting period
Top Newcomer Plans
Travelance Visitors to Canada
Affordable starter coverage from $2/day, includes hospital, doctor visits, prescriptions.
Manulife CoverMe Newcomer
Comprehensive plan with dental and vision options, family rates available.
Sun Life Newcomer Health
Premium coverage with mental health and physiotherapy benefits.
Frequently Asked Questions
Do I need health insurance when I arrive in Canada?
Yes — in Ontario, BC, and Quebec you have a 3-month waiting period before public coverage starts. Private newcomer insurance is essential during this gap.
How much does newcomer health insurance cost?
Plans typically range from $60–$150/month for individuals and $150–$350/month for families, depending on age and coverage.