You’ve found a job (congrats!), a place to live and even a car. You’re finally ready to make the move to Montréal! All that’s left is to sort out your insurance. Make sure that your home, your car and, above all, yourself and your family are properly insured to enjoy your new life.
When you register for the RAMQ for the first time, you’re automatically enrolled in the prescription drug insurance plan as it’s mandatory. You’ll still be required to pay for prescriptions at the pharmacy (up to $100 a month), but the rest of your expenses will be covered by your insurance.
For more details on the eligibility criteria for the health insurance plan for foreign workers, visit the dedicated page on the RAMQ website.
To cover any health-related expenses, we recommend that you sign up for temporary private insurance within five days of your arrival. Several institutions, like Desjardins, offer customized Visitor to Canada insurance for your first few months in the country.
Wondering where to find the healthcare you need? Check out our article on the Québec healthcare system.
Note: basic dental care is free of charge for children under 10, while vision care is free for people under 18 and over 65.
You’ll typically need to wait three to six months after starting your new job to access your private group insurance plan. Once you’re approved, contact the RAMQ to unsubscribe from the public system, as health insurance and medications will now be covered by your private plan.
Note: in the event that you lose your private group insurance coverage at work, be sure to re-subscribe to the RAMQ plan as healthcare coverage is mandatory.
Need help finding private insurance? Visit the OmbudService for Life & Health Insurance website.
Brokers and private insurance companies offer a range of insurance options covering theft, fire and civil liability. Shop around to find the best rates as prices can vary dramatically from one company to another.
The Insurance Bureau of Canada's Information Centre, which represents Canada's private home, car and business insurance companies, will be happy to answer any questions you may have.
Without car insurance, you won’t get further than your garage! Car insurance is mandatory for all vehicle owners, with coverage offered by a range of companies in Québec. Since a lot of insurance companies will take your driving history into account to offer you cheaper rates, make sure you have your insurance record from your home country on hand. Some companies also offer discounted rates if you take out both home and car insurance with them.
When it comes to insurance, you can make your life easier by going with the same company for your health, home and car insurance. At Desjardins, you can find all the coverage you need in one place. Simple!