How to Buy Health Insurance in Canada

The healthcare system in Canada, formally known as Medicare, is one of the most cherished national institutions. It is also a source of much frustration for Canadians, who often complain about long waiting times and lack of access to top specialists.

Nevertheless, Canada’s public health care system is highly effective and provides good quality healthcare. Expats can, however, choose to buy private medical insurance in order to be able to get access to leading specialist physicians and hospitals.


If you’re looking to Buy Health Insurance in Canada, you should be aware that it is a costly process. The cost of the policy can vary depending on the type and level of coverage you purchase, as well as your age and other health factors.

Most Canadians benefit from a universal publicly-funded healthcare system called Canadian Medicare that is funded by payroll taxes paid by permanent residents. It covers hospital visits, medical tests and scans, doctors’ appointments and prescription drugs.

But while medicare provides an excellent base, it does not cover the cost of dental care, vision and prescription medications, as well as ambulance fees, long-term care, psychological counselling and emergency medical treatment while you’re outside Canada.

This is where a private health insurance plan comes in handy. It will top you up where medicare falls short and offer a greater range of services than your provincial health insurance plan will.


Expatriates who are moving to Canada, or are already living there, need to take care of their health and wellbeing. This means making sure they have access to an international health insurance plan that can cover their medical needs while they are abroad.

The Canadian healthcare system is a very comprehensive one. It is known for its top-notch hospitals and doctors but, at the same time, its waiting periods can be quite long.

A significant portion of the health care system in Canada is financed by the government. This is mainly because of the Medicare program, which is administered by the federal government.

In addition to this, municipal public health programs are also a large contributor to the healthcare of Canadians.

The healthcare system in Canada is a very popular subject for conversation among Canadians and has its share of advantages and disadvantages. Regardless of this, it is important to understand what is covered by the health system so that you can make an informed decision about whether or not it is right for you.


Canada is well-known around the world for its robust and universal health insurance system, which gives citizens and permanent residents access to certain medical services for free or a fraction of the cost. While this system is very generous, many people often complain about long waiting periods before they get to see a doctor in Canada.

This is one of the major reasons why many expats opt for private healthcare plans in Canada. These plans provide a more personal experience, where patients can choose their primary caregiver and arrange specialist visits themselves. However, they also tend to be quite expensive.

Waiting periods

Many newcomers to Canada who are moving here to become permanent residents will be subject to a waiting period associated with the purchase of private health insurance. Immigration, Refugees and Citizenship Canada encourages permanent residents to apply for private insurance in advance to cover the duration of this waiting period.

Waiting times for medically necessary treatment have been shown to have serious consequences on patients’ lives. They can lead to increased pain, suffering and emotional distress, as well as poorer medical outcomes.

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