Short Term Health Insurance

While Canada provides provincial health insurance coverage to its residents, there are times when you may reside in Canada but not qualify for coverage under the Government plans.  In those circumstances, you may want to purchase a short term health insurance policy to protect you and your family from unexpected medical expenses.  Canada health insurance plans provide coverage for a variety of emergency medical expenses, including physician visits, hospital stays, prescription drugs, paramedical services and much more.  Without insurance coverage, you could be responsible for hundreds or even thousands of dollars in medical bills if you need medical treatment, but do not qualify for coverage under a provincial health care plan.

Why Do You Need Short Term Insurance?

Most provinces have a 90-day waiting period before residents are eligible to receive coverage under the Government plans.  If you are a Canadian resident returning to the country after an extended stay abroad, you may not be eligible for care under your provincial plan for the first 90 days after you arrive.  With healthcare costs steadily increasing, remaining uninsured until you are eligible for coverage under your provincial plan is a risk that could have a devastating effect on your finances.  Obtaining Returning Canadians Insurance can help protect you from the financial impact of a medical emergency or accident.

How Can Short Term Health Insurance Protect You and Your Family?

In the event you or a member of your family needs medical treatment before you are eligible for coverage under your provincial plan, short term health insurance will pay for the cost medical emergencies, minimizing your out-of-pocket expenses.  Furthermore, having adequate coverage will give you peace of mind, knowing you will be able to get the care you and your family need when you need it without breaking the bank.

How Does It Work?

You select individual or family coverage up to a maximum of $150,000.  For every covered medical emergency you or a member of your family experiences, you pay your choice of deductibles (there is a $0 deductible option) and receive the emergency treatment you need.  After the deductible is satisfied, your insurance provider pays the balance of the cost of the treatment until you either reach your policy maximum or you become eligible for coverage under your provincial plan.

Purchasing Short Term Health Insurance

A customer service representative can help you purchase a short term health insurance plan for you and your family.  Regardless of whether you have had this type of insurance before, you’re likely to have questions that a knowledgeable professional can answer for you.  Furthermore, an insurance expert can help you assess your needs and choose the benefits that are right for you based on your unique circumstances.

30 Responses

    1. The Plans from the insurance companies that we represent have not created their products for short term coverage. Please contact us at 1-800-667-0429 to discuss your situation with us to find a possible solution.

      1. I am a new immigrant looking for a short term health insurance in Ontario. Please inform on the best suitable plan

        1. Thank you for your question, we will reach out directly to you over email to figure out the best option for your situation and budget.

    1. The insurance companies that we represent prefer each policy to be in force for at least a year. The plans are not meant for short term coverage. Thank you for your inquiry.

      1. Your page is literally about “Short Term Medical Coverage” and you’re telling everyone that short term medical coverage doesn’t exist in your responses? Pages like this are misleading and not helping your business. Do better.

        1. Thank you for your comment regarding Short Term Health Insurance. This article about Short Term Health Insurance is for Returning Canadians or Visitors to Canada who are awaiting their Provincial Healthcare to commence. This can take up to 3 months which is considered Short Term Healthcare.

          If you are referring to short term insurance when you actually do have your Provincial healthcare then you are correct we do not provide short term health insurance plans, however that is not what this article is about.

  1. I’m a Canadian citizen returning to Canada after living abroad for 20 years. I need temporary health insurance coverage for my wife, 3 children and myself. Could you please contact me to discuss options?

    1. Thank you for your comment/question. One of our Returning Canadian specialists will be in touch with you shortly.

    1. I suggest you contact OHIP about switching over your cards from the Alberta provincial healthcare to Ontario Health Insurance Program. They should be able to use their Alberta Health Card until they receive their OHIP one.
      If they are looking for personal health and dental insurance as well, please ask them to give us a call to talk about their options.

  2. We’re new arrivals from Ukraine (under CUAET program). Need a coverage for my pregnant wife (no complications, but would like to insure if any complications occur) and two children for up to one month, until the provincial program gets in play. Could we discuss, what would suit?

  3. Hi, I have landed in Toronto and have a PR status, any plans to cover for 3 months before we get the health card

    1. We absolutely have plans to cover you for the 3 months before you receive your provincial healthcare card. I will message you directly with some options to review. Thank you for your question

  4. Hello,
    I am looking to find insurance to cover just myslef until I become eligible for OHIP and other insurance. I just git off my student insurance. Please let me know what I can get.

    1. Thank you for your questions/comment. I will have one of our specialists reach out to you over email about your specific situation.

  5. Hi, I’d like to inquire about returning to Canada health insurance for my mother. She recently came back to Canada and needs health insurance for the three months until she’s covered by RAMQ.

    1. Thank you for your co==question. I will have my Returning Canadian specialist reach out to you regarding your mother’s situation over email.

    1. Thank you for your question. To qualify for a potential short term medical insurance plan there are a few variables you would need to follow and a couple of questions that would determine eligibility. I will contact you directly via email to ask a few to see if I can find a plan to suit your requirements.

    1. Thank you for your comment. There are a few variables that go into a shirt term medical plan, so I would like to contact you directly with a few more questions to see if we can find a plan that best suits your needs. I will contact you directly through email.

  6. I have recently landed in Toronto and I’m on a PR status. I am looking for short-term health insurance before provincial coverage kicks in in the next 3-4 months. Are there any plans specifically for my situation?

    1. Thank you for your question. Yes we do have a “visitors to Canada” style of insurance plan that would cover you for emergency accidents and illnesses only until your Provincial healthcare commences. Please reach out to us at 1-800-667-0429 to discuss these plans to figure out which one best suits your situation and budget.

  7. Hello.. I am looking for short term health coverage plans as I’m onwaiting period for work permit… can you please send me a quote or options that I can opt for? Thankyou!

    1. Thank you for your question. I will have on of our Customer Service Specialists reach out to you directly via email.

    1. Hi Elish, I will have someone contact you about your current situation via the email you provided. If you have any more questions regarding this please give us a call at 1-800-667-0429


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