What healthcare do expats get in Canada?
Canada's healthcare system has strengths and weaknesses that every expat should know about before making the move.
Healthcare System Overview
| Indicator | Value |
|---|---|
| System Type | Universal Public |
| Healthcare Quality Index | 88/100 |
| Spending per Capita | €6,511 |
| Life Expectancy | 81.1 years |
How the System Works
Canada's healthcare system is classified as Universal healthcare public. The government funds healthcare primarily through taxation, providing Universal healthcare coverage to residents.
Public vs Private Healthcare
Most countries offer both public and private healthcare options:
- Public healthcare: Available to all registered residents. May have waiting lists for non-urgent procedures. Typically lower cost but less choice of provider.
- Private healthcare: Shorter wait times, choice of specialist. Higher cost but often better facilities. Many expats choose private insurance for the first year.
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Emergency Numbers
| Service | Number |
|---|---|
| Universal Emergency | 911 |
| Ambulance | 911 |
| Police | 911 |
Save these numbers in your phone before arriving in Canada. In EU countries, 112 works universally. In non-EU countries, learn the local numbers and keep them accessible.
Health Insurance for Expats
As an expat in Canada, your insurance options typically include:
- Employer-sponsored insurance: If employed locally, your employer may enrol you in the public system or provide private coverage
- International health insurance: Global plans from providers like Cigna, Allianz, or Bupa — ideal for the first year or if you plan to move again
- Local private insurance: Often cheaper than international plans but may have language barriers in claims
- Public system enrolment: Available once you have a residence permit and employment
Healthcare Quality
With a healthcare quality index of 88/100, Canada offers excellent healthcare by international standards.
Life expectancy in Canada is 81.1 years, which is above the global average.
Government healthcare spending is approximately €6511 per capita per year.
Practical Tips
- Register immediately: Sign up for health insurance within your first week of arrival
- Bring medical records: Carry translated copies of your medical history, prescriptions, and vaccination records
- Find an English-speaking doctor: Expat communities and forums often maintain lists of English-speaking practitioners
- Prescription medications: Check if your regular medications are available and legal in Canada. Bring a 3-month supply with a doctor's letter
- Dental care: Dental coverage varies widely — check what your insurance covers and consider supplemental dental insurance
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Frequently Asked Questions
Is maternity care covered for expats in Canada?
Maternity care is typically covered under both public and private health insurance in Canada. Coverage usually includes prenatal visits, delivery, and postnatal care. If planning a pregnancy, check your specific insurance policy for coverage details and any waiting periods.
How long are hospital waiting times in Canada?
With a healthcare index of 88/100, waiting times in Canada are generally short for both emergency and elective procedures. Private hospitals typically offer shorter waiting times.
What are the emergency numbers in Canada?
Emergency numbers in Canada: Universal emergency: 911, Ambulance: 911, Police: 911. Save these in your phone before arriving. In most cases, operators may speak English, but knowing basic local language emergency phrases is recommended.
How do I register for healthcare when I arrive in Canada?
Registration typically involves visiting a local health office or insurance provider within your first weeks. You will need your residence permit, passport, and proof of address. Your employer may handle registration if you are employed locally.
Can I use my EHIC/GHIC card in Canada?
The European Health Insurance Card (EHIC) or Global Health Insurance Card (GHIC) is only valid in EU/EEA countries and Switzerland. If Canada is in the EU, your EHIC/GHIC gives you access to state-provided healthcare on the same terms as residents. It is not a substitute for comprehensive health insurance.
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