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Health insurance for inpatriates

The essentials….

  • Ideal for Canadians returning to Canada after an extended period working, living or studying abroad
  • Covers medical expenses not reimbursed by a provincial health insurance plan
  • Insured amounts ranging from $100,000 to $300,000
  • Avoid out-of-pocket medical expenses with coverage that can be purchased even after you return to Canada
  • Lower your premiums by opting for a deductible

Canada has the best health care system in the world, but it is not free. It is best to have travel insurance for inpatriates until your provincial health plan takes effect again.

There is a mandatory three-month waiting period after you return before your provincial health insurance is reinstated.

What is covered?

Emergency medical care

Covers any unforeseen health-related injury or illness.

Health professionals

Covers treatment by healthcare specialists.

Transportation costs

Covers emergency transportation expenses incurred due to injury or death, including repatriation.

Why a deductible?

Save on your health care coverage by opting for a deductible (the amount you pay out of pocket in the event of a claim) from $500 to $10,000.

One of our agents will answer all your questions about deductible options and help you pick one that fits your budget.

After-departure insurance

If you are already back home, it is not too late to obtain health insurance for inpatriates.

Keep in mind that you could face a 2-to-7-day waiting period before filing a claim.

Speak to an agent at 1-855-808-1010 if this situation applies to you and to get an insurance quote.

Speak with an agent if...

  • You have a pre-existing condition
  • In spite of a pre-existing condition, your health condition is stable and are able to travel
  • You have returned home, but have no health insurance

Call us at 1-855-808-1010 to get a travel insurance quote.

How to submit a claim?

Call the insurer that sold you the insurance for inpatriates, who will explain how to make a claim.

Our travel insurance products

Emergency medical expenses

Emergency medical expenses

Emergency health care coverage, including repatriation

Insurance for trip cancellation and interruption

Trip cancellation and interruption

Travel insurance coverage before and after departure

Annual travel insurance


Coverage if you travel more than once a year

All-inclusive travel insurance


Complete coverage: medical expenses, trip cancellation and interruption, baggage

Travel insurance for extended stays

Extended stays

Coverage for trips lasting 31+ days

Canada only travel insurance

Canada only

Coverage for trips to other Canadian provinces

Baggage insurance


Coverage for lost, damaged or stolen luggage

After-departure travel insurance


Coverage options after you have already left

Travel insurance for car rentals

Rental car

Collision, theft or damage to your rental car

Health insurance for super visa

Super visa

Required insurance for your super visa application