Losing provincial coverage, international health insurance, temporary returns to Canada, pre-existing conditions and family coverage abroad.
Living abroad continuously usually costs you provincial health eligibility after a few months, and ordinary travel insurance is not built for a long-term move.
These questions deal with that transition: when provincial coverage ends, what international health insurance replaces, and what happens on your trips back to Canada.
What is the difference between expatriate insurance and travel insurance?
Travel insurance is generally designed for people who still reside in Canada and keep their provincial coverage, such as RAMQ in Quebec. It mainly covers medical emergencies during a temporary stay outside the province or the country.
Expatriate insurance is designed for people living abroad for longer periods, especially if they are no longer eligible for RAMQ or their provincial plan. It can offer broader coverage, including medical consultations, medications, hospitalization, medical follow-ups and certain routine care, depending on the plan chosen.
When should you choose expatriate insurance?
Expatriate insurance is recommended if you are moving abroad, working outside Canada, living in another country several months a year or have no set return date. It is better suited when your stay looks more like residency than a simple trip.
Is travel insurance enough to live abroad?
Not always. Many travel insurance policies require you to be a Canadian resident covered by your provincial health plan for the entire trip. If you lose that eligibility or you actually live abroad, expatriate insurance may be necessary.
What happens if I am no longer covered by RAMQ?
If you are no longer eligible for RAMQ, your travel insurance may no longer be valid or may offer very limited protection. In that case, expatriate insurance can be more appropriate, since it is designed for people residing abroad who need international medical coverage.
Does expatriate insurance only cover medical emergencies?
No. Depending on the plan chosen, expatriate insurance can cover more than medical emergencies. It can include doctor visits, tests, prescription medications, specialists, hospitalization and certain follow-up care.
Is routine medical care covered?
Yes, some expatriate plans can cover routine medical care. This can include medical visits, lab work, imaging, medications and follow-ups with specialists. Coverage varies by contract.
Are pre-existing medical conditions covered?
It depends on the insurer and the plan chosen. Some pre-existing medical conditions can be covered, excluded or reviewed before acceptance. It is important to properly disclose your medications, treatments, diagnoses and medical follow-ups.
Does expatriate insurance cover the family?
Yes, several plans allow you to insure a spouse and dependent children. Check the coverage included for each family member, in particular routine care, medications, medical emergencies, maternity and children’s care.
Is maternity covered?
Some expatriate plans can offer maternity coverage, but it is often optional, limited or subject to a waiting period. If a pregnancy is planned or possible, it is important to check this before choosing insurance.
Am I covered in several countries?
Some expatriate plans offer international coverage with specific geographic zones. For example, coverage may include or exclude the United States, which can significantly affect the price.
Am I covered during a temporary return to Canada?
Some expatriate contracts include coverage during temporary returns to Canada, but conditions vary. Check the maximum length allowed, the types of care covered and the applicable exclusions.
Does expatriate insurance cover medical repatriation?
Many plans can include medical repatriation or evacuation to a country where care is more appropriate. This coverage can be important if you live in a country where access to specialized care is limited.
Can I buy expatriate insurance after I have left?
It is sometimes possible, but it is better to compare the options before leaving. After departure, some insurers may ask more questions, limit certain coverage or decline some applications depending on your health and your country of residence.
How much does expatriate insurance cost?
The price depends on your age, your country of residence, your health, the coverage zone, the deductible and the coverage chosen. Expatriate insurance can cost more than travel insurance, because it often covers a longer-term need.
How do you choose the right expatriate insurance?
The right choice depends on your destination, the length of your stay, your residency status, your eligibility for RAMQ or your provincial plan, your health and your medical needs. Protecto Assurances can help you compare the options and choose coverage suited to your situation.
Can I keep my provincial health coverage while living abroad?
Most provinces require physical presence for a minimum number of days per year, often 153, to maintain eligibility. If you live abroad continuously, you will likely lose your provincial coverage after a few months. Check with your provincial health insurance board.
