Does a Canadian, resident in the USA, need travel health insurance in Canada?
My girlfriend will be visiting Canada for about a month. Should we get health insurance? Is she covered in Canada?
Best Answer
Insurance is about trading risk. If you feel it is needed to avoid worrying, then make sure she has some.
Canadian public insurance which varies by province is based on residency and so it is unlike that she will be covered by it. In Quebec for example, you have to reside 183 days per year to be covered. The rules are rather complex and there are exceptions such as while studying abroad.
She may be covered by insurance from the US already. There is usually a clause in health insurance that covers someone for a certain number of days outside of the country. It is usually a few weeks but that depends. Read the fine print of her insurance plan. Some credit-cards also add travel insurance, including health, when buying the full-price of the ticket with that card. Again, read the fine print.
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Can I use my US health insurance in Canada?
Even though Canada is just over the border, your U.S. health insurance plan will not be accepted there unless it specifically provides global coverage. American Medicare also is not accepted in Canada. It's important to purchase travel medical insurance in case you suffer an injury or fall ill while in Canada.Do I need health insurance when traveling to Canada?
Canada does not pay for hospital or medical services for visitors. You should get health insurance to cover any medical costs before you come to Canada.How long can you be out of Canada without losing healthcare?
A Canadian can stay for up to 182 days per calendar year (without paying U.S. income tax). Visitors can stay for maximum of six months in each 12 months (not a calendar year, but counting backwards 12 months from your date of entry).What do snowbirds do for medical insurance?
The sole purpose of Snowbird travel medical insurance is to cover your medical expenses (and some related travel costs) if you suffer an illness or injury while outside Canada that requires immediate medical attention and can not wait until you are able to return to Canada.How Canada's Universal Health-Care System Works
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Answer 2
First, check to see if she is covered under her US insurance (if she has any).
Many, but not all, US health insurance plans will provide coverage abroad. I'd check the fine print of the policy to see what coverage is offered and if it is adequate.
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