Insurance for Returning Canadians:

Coming back home from an adventure is always wonderful as you feel completely refreshed and ready to get back to your usual routine.

However, don’t let this feeling of excitement allow you to forget about your personal safety as your Provincial Health Insurance may have been put on hold while you were away. It is especially the case with residents returning to SK, YT, NU, QC or BC, where a 2-3 months waiting period may apply before your government health coverage is reactivated.

Hence, getting a suitable insurance plan for citizens and residents returning to Canada will take care of any emergency medical treatment before your provincial coverage is reactivated.

How does Insurance for Returning Canadians work?

If you are a Citizen or a Permanent Resident of Canada and your provincial medical care plan has been deactivated due to your absence, you can protect yourself from the costs of any urgent health care needs with a medical emergency insurance plan for Returning Canadians.

If you are returning to live in BC, YT, NU, QC or SK your provincial health insurance plan may take about 2-3 months to begin once you arrive and re-establish your residence. Such coverage is active while you are in Canada or taking a short side-trip to other countries across the world (excluding the country of your previous residence) as long stay within Canada is longer than the duration of a side-trip.

Who needs Returning Canadians Insurance?

In case you reside in Saskatchewan, Yukon, Quebec, Nunavut or British Columbia and your government health insurance plan is on hold due to a long term stay abroad, you may be a subject to a waiting period of approximately up to 90 days before your government health care plan kicks in. For all other provinces and territories across Canada, the above condition does not apply.

By purchasing private health insurance for Canadians returning to Canada you can secure your finances and avoid paying unnecessary medical expenses in case of an emergency, while your provincial health insurance is being re-activated.

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