Expatriate insurance in Canada
Before moving, make sure you purchase the right Expatriate insurance Canada for your needs!
First of all, take out health insurance Canada is essential if you plan to settle in Canada or live here as an expatriate. Whether you’re an entrepreneur, a salaried employee or self-employed, it’s essential to choose coverage that suits your lifestyle. Canada offers an exceptional living environment, but medical costs are high. Expatriate insurance in Canada protects you against the unexpected and meets the legal requirements of your visa.
International students benefit fromCanada Student Insurancewhich guarantees them access to the care they need throughout their studies. For vacationers or short-stay travelers, a travel insurance Canada is also essential to cover emergencies and basic care, ensuring a worry-free vacation.
Finally, for retirees wishing to relocate to Canada, comprehensive health coverage is a must if you want to make the most of your new life. This insurance guarantees access to the best medical care should the need arise. Mondassur insurance policies meet the requirements for long-term visas.
Expatriate Insurance Canada Gold Nomad Expat
Good levels of cover, suitable for your expatriation to Canada.
From
74€
- Worldwide coverage
- Maximum age: 65
- Covers up to 100% of routine medical care
- 100% hospitalization coverage
- Up to €500,000 per year
- Maternity coverage up to €4,500
- Covers pre-existing conditions
- Coverage of pharmaceutical costs
- Repatriation assistance
- Civil liability
- Individual protection
Expatriate Insurance Canada Gold Expat Access
Economical international health insurance tailored to your expatriation plans.
From
93€
- Worldwide coverage
- Minimum age: 14
- Maximum age: 65
- Covers 80% of routine medical care
- 100% hospitalization coverage
- Up to €750,000 per year
- Maternity coverage up to €4,500
- Coverage of assisted reproduction up to €500
- Covers pre-existing conditions
- Coverage of pharmaceutical costs
- Free choice of practitioners and hospitals abroad
- Optional dental and optical care
- Optional repatriation assistance
- Optional third-party liability
Expatriate Insurance Canada Gold Expat Safe
Health insurance that provides effective cover against accident and illness.
From
107€
- Worldwide coverage
- Minimum age: 14
- Maximum age: 65
- Covers 90% of routine medical care
- 100% hospitalization coverage
- Up to €1,000,000 per year
- Maternity coverage up to €4,500
- Coverage of assisted reproduction up to €1,000
- Covers pre-existing conditions
- Coverage of pharmaceutical costs
- Optional dental and optical care
- Maternity plus option
- Prevention and well-being as an option
- Optional repatriation assistance
- Optional third-party liability
Expatriate Insurance Canada Gold Expat Premium
Our most comprehensive expatriate health insurance, tailored for your expatriation to Canada.
From
138€
- Worldwide coverage
- Minimum age: 14
- Maximum age: 65
- Covers up to 100% of routine medical care
- 100% hospitalization coverage
- Up to €1,500,000 per year
- Maternity coverage up to €6,000
- Coverage of assisted reproduction up to €1,500
- Covers pre-existing conditions
- Coverage of pharmaceutical costs
- Optional dental and optical care
- Maternity plus option
- Prevention and well-being as an option
- Optional repatriation assistance
- Optional third-party liability
Any questions? Need advice?
Insuring your health as an expatriate in Canada
Firstly, Canada attracts many expatriates every year. Whether you’re an employee, entrepreneur or freelancer, it’s crucial to take out expatriate insurance in Canada. Medical care in Canada is among the most expensive in the world, and the right cover will enable you to live and work in complete security. What’s more, Canada imposes strict insurance requirements for certain work permits. So, which health coverage options should you choose for a worry-free stay?
Health care for expatriate employees in Canada
For expatriate employees in Canada, comprehensive health insurance is a must. In addition, some employers offer health insurance for their foreign employees. However, they do not always cover all medical expenses. Expatriates need to be particularly vigilant, as medical costs in Canada are often high.
As an expatriate, you may be confronted with common illnesses:
- Medical imaging: MRIs and scans cost between CAD 700 and CAD 1,500 (€470 and €1,000).
- Treatment for a respiratory infection: between 300 and 800 CAD (between €200 and €530), including consultations and prescribed medication.
- Consultation with a psychiatrist: between CAD 200 and 400 per session (between €130 and €265), often necessary for more specific diagnosis or treatment.
And if you’re wondering how to expatriate to Canada with the EIC (EIC), it’s imperative to have health insurance that meets Canadian standards for the duration of your stay. With Mondassur, you can take out expatriate insurance that covers all these needs and insures you to the full extent of your requirements.
Expatriate insurance: a necessity for entrepreneurs
As an entrepreneur, you may be tempted to choose Canada to develop your business. With a dynamic economy and legislation that encourages innovation, the country offers unique opportunities. However, comprehensive health cover is essential to protect your business and ensure your well-being.
Essential health insurance for contractors in Canada
As an entrepreneur, you have special healthcare needs. Basic coverage is not enough, as consultations and specialized treatments are costly. That’s why it’s important to take out expatriation insurance for Canada that includes :
- Hospital coverage: in the event of accident or illness requiring hospitalization, costs can run into the thousands of dollars.
- Emergency care: health insurance for contractors must cover medical emergencies and repatriation.
- Medical repatriation: in the event of a serious health problem requiring a return to your home country, repatriation costs can run into tens of thousands of dollars. A health insurance policy for expatriates must include this coverage, which is essential to guarantee rapid care in the event of a critical situation.
With the right insurance, you’re covered for all health-related expenses, whether in a private clinic or a public facility. By choosing Mondassur, you can also include your family, for added security.
Health coverage for you and your family
If you’re an entrepreneur living in Canada with your family, comprehensive expatriate insurance for your loved ones is essential. Pediatric, gynecological and routine care are very costly without expatriate insurance in Canada. With the right coverage, you can benefit from rapid medical consultations and guarantee the well-being of your whole family. The RAMQ covers some care for permanent residents, but if you don’t meet the eligibility criteria, private coverage becomes essential to access these services. At Mondassur, our expatriate health insurance offers include options for spouses as well as children. This means we can meet the needs of every member of your family.
The importance of health insurance for freelancers in Canada
Freelance status is attracting more and more expatriates to Canada, but it also implies a great deal of responsibility in terms of health. As a freelancer, you don’t have access to the benefits of a conventional employee. What’s more, healthcare costs can become a considerable financial burden.
Taking out health insurance as a freelancer in Canada
Working as a freelancer in Canada means managing your own healthcare needs. If you’re a freelancer, you need to take out private expatriate insurance to avoid high costs in the event of illness or accident. A simple medical consultation can cost several hundred dollars, and emergency care is even more expensive. With Mondassur, you can choose expatriate insurance in Canada that you can customize to suit your needs.
Expatriate insurance: essential for your retirement in Canada
Canada also attracts many retirees, thanks to its peaceful living environment and unspoiled natural spaces. However, for foreign retirees, it’s essential to anticipate health needs by taking out appropriate insurance. Medical care and waiting times can vary considerably between provinces, and private coverage is often necessary.
Specific features of expatriate insurance for a worry-free retirement
Retirees living in Canada can enjoy a peaceful life, but must also face the health challenges associated with age. Expatriate insurance enables retirees to benefit from appropriate medical care without fear of high costs. This insurance can include :
- Routine care and specialist consultations: preventive care, regular medical check-ups and consultations with specialists.
- Paramedical treatments: such as physiotherapy, chiropractic and alternative medicine, which are often necessary as we age.
- Dental and optical care: poorly covered by the public health system, these treatments are becoming a priority for many retirees.
Retirees: why take out emergency insurance?
Medical emergencies can be a particular concern for retirees, especially as the cost of emergency care in Canada is high. With expatriate insurance in Canada, you’ll benefit from immediate care and repatriation if necessary. Mondassur offers comprehensive coverage for retired expatriates, ensuring peace of mind in the face of unforeseen health problems.
Health insurance for companies: protect your expatriate employees
Canada is home to a growing number of international companies who send their employees to the country for professional assignments. Offering its expatriate employees expatriation insurance in Canada is an essential asset in attracting and retaining talent. Indeed, appropriate health coverage shows that the company cares about the well-being of its teams. In addition, to obtain work permits, insurance may be required in certain cases. Finally, it is strongly recommended that you take out expatriate insurance, given the exorbitant health costs in Canada.
Employers who offer health insurance covering medical care and emergencies show their commitment to their employees. Quality health cover gives expatriate employees access to fast, effective medical care, without the worry of high costs.
