Why Should You Get Health Insurance As An Expat In Canada?

For new expats living in Canada, the first thing that you should do is settle all of the necessary living needs before fully enjoying the country and its offers. Consider delaying trips and vacations for a short while and prioritize what is really needed for a convenient long-term stay in the country. 

If you don’t know where to start yet, then availing health insurance is the best answer.

Although some people are against health insurance mainly because Canada’s healthcare is free and it will just be additional fees to live by, keep in mind that it may take longer for expats to actually avail of the free healthcare benefits. If this is not enough, then here are some more reasons that may convince you to get one for you and your family:

#1: Prevent Costly Health Expenses

The most evident benefit that you’ll get from health insurance is little to no hospital expenses when situations ask for it. 

Instead of having financial issues caused by the world’s very expensive healthcare, you’ll be able to rest and relax your mind since you have insurance. This is because of the coverage offered by it.

No matter if you’re sick and you want to undergo a check-up or you need to be fully hospitalized, a health insurance plan will pay for it in your place.

Overall, getting health insurance for yourself will help you prevent costly health expenses throughout your stay in Canada. 

Health Insurance for Expats in Canada

#2: Ensure High-Quality Medical Treatments

A lot of people tend to skip hospital treatments because of how expensive it is. This is most especially if they aren’t qualified for free healthcare yet. Because of this, they either opt for public but low-quality health services, or they don’t look for solutions at all.

However, this is not an issue for those with a good health insurance plan. Depending on the program that you have, you’ll have access to not just affordable medical treatments but also high-quality ones. This is a big advantage when compared to those with none.

#3: Cut Down On Savings Deductions

When we face emergencies, especially necessities like healthcare and likes, we turn to our savings. This is understandable, but it can definitely put you at a big disadvantage if your savings are allotted for a specific purpose. Going back to zero in terms of emergency funds isn’t really something that you’d want to experience.

Now, with health insurance, you can at least lower the chances of cutting down on savings deductions and actually having enough coverage for hospital expenses, big and small.

#4: Access Additional Health Benefits

Health insurance is not just about covering medical expenses. This will also give you access to additional health benefits like ambulance services, free check-ups and vaccinations, and assistance in surgeries.

Note that only specific insurance plans offer the said benefits. This means that you should take your time in choosing the right package to avail of. This is the same with the healthcare insurance provider that you will talk to.

If you don’t have any idea about this topic yet, then you should highly consider talking to professionals to get advice on Canadian immigration. Doing so will save you from all the possible time and hassle spent on unnecessary insurance troubles in the future.

#5: Acts As An Overall Life Security

Having a health insurance plan will be your overall life security. You can spend your early expat days in Canada without having to worry about whether you have the budget to survive an emergency or just live in general. Of course, it’s a given that you will also feel more secure. It’s even better if your whole family is included in the plan.

It’s just right to say that without the benefits tied to health insurance, you will be more prone to financial instability and other issues.


All in all, you can expect healthcare insurance to be your guarantee for a convenient and efficient stay in Canada. 

No matter if you plan on settling in the place for your whole life or you plan on going to your hometown after a few years, this will let you enjoy living without having to worry about big and bothersome expenses.

If you’re with a family, then you should also consider getting them their own. This may mean paying for more, but it will surely save you from a lot of unpaid bills in the long run.

On a more important note, make sure that you work with immigration professionals if you want recommendations on the best health insurance plan possible for your budget.

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