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Health — Public insurance
Activate your provincial health coverage as early as possible to avoid high emergency costs.
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Apply as soon as you are eligible.
What
The provincial health card proves your eligibility for the public system (RAMQ, OHIP, MSP, etc.). It often has a waiting period.
Why
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- Avoid very high costs in case of an emergency.
- Access essential medical services (doctor, hospital).
- Reduce stress if a health issue happens during your first months.
How
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- Check eligibility rules and waiting periods in your province.
- Gather your documents (status, ID, proof of address).
- Submit the application online or in person, depending on the province.
- Note the estimated start date of coverage.
- Consider temporary private insurance if there is a waiting period.
- Keep a copy of your application and confirmations.
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- ID document
- Status document
- Proof of local address
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- Waiting too long before applying.
- Confusing travel insurance with provincial health insurance.
- Ignoring the waiting period and assuming you are covered.
- Throwing away confirmation letters or emails.
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- Ask clearly if a waiting period applies and how long it is.
- Keep both digital and paper copies of your documents.
- Identify a clinic or health centre near your home.
- Check what is covered and what is not (dental, vision, medication).
- Store emergency numbers and clinic contacts in your phone.
Apply for health coverage
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