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Newcomer to Canada Health Insurance

Canada is a developed country in North America and hundreds of thousands of people either move to Canada on permanent residence (PR) or on work visa or student visa. Newcomers to Canada, including recent permanent residents, usually have to wait for 3 months before being eligible for provincial healthcare. Short term medical insurance can be purchased to fill the gap.

Canada primarily has government run healthcare facilities. Canada is made up of 10 provinces (like states).


Each province has different rules for being able to enroll into their plan.

For example, Ontario residents are eligible for provincially funded health coverage (OHIP or Ontario Health Insurance Plan). Generally, to be eligible for OHIP, you must:

  • be a Canadian citizen, permanent resident or among one of the newcomer to Canada groups who are eligible for OHIP as set out in Ontario’s Health Insurance Act; and
  • be physically present in Ontario for 153 days in any 12-month period; and
  • be physically present in Ontario for at least 153 days of the first 183 days immediately after establishing residency in the province; and
  • make your primarily place of residence in Ontario.


Most people have a waiting period. However, some people are exempted, such as

  • Newborn babies born in Ontario;
  • OHIP-eligible adopted children under the age of 16;
  • Protected persons (Convention Refugees and persons in need of protection); and
  • People from another province/territory who move directly into a long-term care facility in Ontario, or who require admittance into a long-term care facility within 3 months of arrival in Ontario.
  • As you can see, most people are not exempt from the waiting period.

Other Provinces and Territories

Similar to Ontario, many other provinces and territories may have a waiting period too:

  • Alberta - None
  • British Columbia - 3 months
  • Manitoba - None
  • New Brunswick - None
  • Newfoundland and Labrador - 3 months
  • Northwest Territories - 3 months
  • Nova Scotia - None
  • Nunavut - 3 months
  • Ontario - 3 months
  • Prince Edward Island - None
  • Quebec - 3 months
  • Saskatchewan - 3 months
  • Yukon - 3 months

Temporary Medical Insurance

Canada provides one of the best healthcare systems in the world. However, it is very expensive. Without proper insurance, it would be extremely difficult for anyone to pay out of pocket for medical expenses, if they were to get sick or injured during the waiting period. The medical bills can range from tens of thousands of dollars to hundreds of thousands of dollars.

Fortunately, various temporary medical insurance from US based companies are available, provided you purchase them BEFORE arriving in Canada:

Did you know?

Prices are regulated by law.

You cannot find a lower price anywhere for the same product.

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Why purchase insurance from Insubuy®?

Same Price. Better Service.®

There are many advantages in purchasing from Insubuy® and no disadvantages.

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Visiting USA?

Healthcare costs are very high in the U.S.

Buy U.S. based visitors insurance and enjoy your trip.

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Traveling abroad?

Did you know that your insurance may not cover you abroad or that it may only provide limited coverage?

Purchase travel medical insurance that includes emergency medical evacuation.

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New immigrant to USA?

You are not eligible to enroll in Medicare for the first 5 years.

Purchase new immigrant medical insurance to bridge the gap.

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Going on a vacation?

You could lose your non-refundable trip costs if you had to cancel your trip.

Buy a trip cancellation insurance package plan and be worry-free.

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Are you an exchange visitor to USA?

The U.S. Department of State requires all J visa holders to purchase compliant insurance.

Buy J visa medical insurance to meet your requirements.

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Traveling to Europe?

Schengen countries require most non-US citizens to purchase Schengen visa insurance.

Make an instant purchase online and get instant visa letter.

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Traveling frequently throughout the year?

You don't need to purchase travel insurance for every trip.

Purchase annual multi trip travel insurance for your travels.

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International student in the U.S.?

Most schools require international students to purchase health insurance.

Purchase international student health insurance that meets most school requirements.

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