Quick answer
New permanent residents and returning Canadians may have no provincial health coverage for their first days or months. Ontario has removed its three-month OHIP waiting period, but coverage starts only once you apply in person and are approved. British Columbia still has a waiting period (the rest of the arrival month plus two months). A short private policy covers the gap.
Province by province (where we're licensed)
| Province | What to expect |
|---|---|
| Ontario | No OHIP waiting period for eligible residents, but you must apply in person at ServiceOntario and be approved |
| British Columbia | MSP waiting period: the rest of the month you arrive plus two months |
| Alberta, Manitoba, Saskatchewan | Register on arrival; check current processing times |
| New Brunswick, Nova Scotia | Check the provincial health ministry for current rules |
Provincial rules change. Confirm with your province's health ministry before you travel.
Returning Canadians
If you've lived abroad and lost provincial coverage, you may need to re-apply on return. Even without a formal waiting period, the paperwork takes time. A visitor-style policy covers emergencies until your card is active.
Moving between provinces
Your old province generally keeps covering you for a short time while you register in the new one, but it may not pay everything at the new province's rates. If you're unsure, a short policy is inexpensive peace of mind.
What to buy
A visitors to Canada plan for the exact number of days you need, starting on your arrival date. If your provincial coverage starts sooner than expected, many insurers refund unused days.
Common questions
Is there still a 3-month OHIP waiting period?
Ontario has eliminated the three-month waiting period for eligible residents. Coverage begins once your application is approved.
Do work permit holders get provincial coverage?
Often, if they meet the province's conditions (for example, full-time work for a set length). Rules differ by province.
Can I get a refund if my health card comes early?
Many insurers refund unused days if there have been no claims. Ask us when you buy.
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