Expatriate insurance in Canada
When planning an expatriation to Canada, it's essential to consider the question of health insurance. This vast country offers a high-quality public healthcare system, but choosing an international health insurance policy will ensure that you're well covered in case of need.
It’s hard to give a single definition of Canada: this vast, multicultural country of a thousand faces is constantly surprising you!
Between the very low unemployment rate, the quality of life here, the dynamism of its major cities and the beauty of its landscapes, this is a state that has everything to seduce us.
Easy procedures, numerous job opportunities, attractive business environment… Ready to take off?
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 common medicine
- 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?
Accommodation in Canada
To help you in your search for accommodation, here are a few language-specific points to bear in mind:
- The number of pieces can be announced as follows: ” 2½ “. This means that the apartment has 2 rooms and a bathroom, as the latter is counted as a half-room. If you see an indication such as “1+1” or “2+1”, remember that the first number refers to the number of rooms. The “+1” corresponds to an office or small spare bedroom.
- The second floor corresponds to the first floor. A second-floor apartment in Canada is equivalent to a first-floor apartment for a French person.
- “Hydro” means electricity. It’s important to know whether utilities are included in the rent. In particular, heating can quickly become a major expense if the apartment is poorly insulated. The price of water, on the other hand, is low.
Leases generally start on July 1 and are signed for one year. No deposit is required, but you will usually have to pay the first and last month’s rent in advance. Remember to attach the inventory of fixtures to the contract, and to include any charges included in the rent.
Please note: if you’re doing your research remotely, never send money to the landlord. In fact, it’s advisable to pay the money directly on the spot when you sign the contract, as long-distance scams are common.
The price of a three-room apartment in the city center ranges from €858 to €1,789 per month, depending on the city where you live. Rents are higher in Vancouver than in Toronto, Calgary, Ottawa, Montreal or Quebec City.
To find your new home, look for ads on the Internet (Craglist, Kijiji), or take a stroll through your neighborhood. In fact, it’s not uncommon to see postings directly in the windows of rental properties.
Schooling in Canada
As Canada’s official languages are English and French, education is bilingual from primary school onwards. Public schools in Canada are entirely state-funded, but there are also private schools. There is no national educational program; it depends on the provinces.
The Canadian education system consists of 3 levels:
- Elementary: kindergarten to grade 6 or 8, depending on the province (children aged 5 to 11-13).
- Secondary: grades 7 to 13 (children aged 12 to 18). At the end of the cycle, children receive a diploma from their school.
- post-secondary, which corresponds to university level.
Working in Canada
The good thing about Canada is that there’s no shortage of jobs, just a shortage of manpower. With an aging population, certain sectors are emptying out, and companies are no longer hesitating to look beyond their borders to meet demand.
There are several ways to set up a long-term home here:
- You can immigrate as a skilled worker under the Express Entry program. This is a selection program enabling workers to benefit from a permanent residence card, on the basis of a file selection. You can then enter the territory as a participant in the local economy.
- You can immigrate as a family member of a Canadian citizen or permanent resident. The local person will then sponsor you to obtain the necessary immigration papers.
- You can immigrate under the Provincial Nominee Program. It’s a program for skilled workers who want to contribute to the economic development of one of Canada’s provinces, and settle and live there permanently. Each province then benefits from its own immigration streams, aimed at certain groups of people and workers.
- Quebec has entered into a special agreement with the government to be responsible for its immigration policy. It applies its own rules for selecting immigrants deemed suitable for local life. You can therefore expatriate there as a qualified worker selected by Quebec. You will need to apply to the Quebec government for a selection certificate so that they can evaluate your application.
- You can immigrate as an eligible candidate to the Atlantic Canada Immigration Pilot Program. You’ll be recruited by an employer in the New Brunswick, Nova Scotia or Labrador and Newfoundland region. This program helps local employers to hire qualified foreign candidates for positions they would not otherwise be able to fill locally.
- If you’re an entrepreneur with one or more business ideas that could be considered innovative, and you’re in need of manpower, you may be eligible for a business start-up visa. This visa targets immigrant entrepreneurs who have the skills and ability to start a business that can employ Canadians and drive the local economy. You will then need to obtain the support of one of the organizations designated for your project.
- You can also take part in programs designed for agri-food workers or those wishing to work with rural communities. These programs have been set up to bring the benefits of immigration to all sectors and communities, so you might as well take advantage of them!
There’s no shortage of opportunities to get away from it all, to suit every type of profile… Don’t miss out on an opportunity and try your luck! To do so, we invite you to regularly consult the government immigration website and the websites of the various Canadian provinces. You’ll find that if you look hard enough, you can even find a job in your home country. They’ll be your best allies in your search for employment and relocation opportunities!
You can also take your first trip to Canada for several months, and search directly on site. Everything is possible, depending on what you want and what you’re looking for!
