International healthcare, medical insurance in Toronto


Many Canadians rely on auxiliary private medical treatment to supplement national coverage. Private insurance is generally used for health-related services that are not publicly funded, such as dentistry, optometry, audiology (e.g. hearing aids), ambulance services, and pharmaceuticals.

About 75% of Canadians have private health insurance, much of which is employer-provided. If you are not eligible for public insurance, you will need to obtain private insurance from your employer or acquire it on your own. To find the best program you will need to shop around with different insurance companies.

Be sure to ask if they provide coverage for individuals who do not have tThe Ontario Health Insurance Plan (OHIP). If you are eligible for the OHIP, it is recommended that you acquire private insurance during the 3-month waiting period.

Different companies offer different plans and prices. Investigate the terms and compare companies before signing up and request a quote. Compare medical insurance policies with Expat-Quotes comparison page. You may also use the OmbudService Insurance Finder to help find an insurance company in Toronto.

Insurance Prices in Toronto

Premiums are charged for private health insurance plans are based on several factors.

These include:

  • Age
  • Health Status
  • Lifestyle Habits (i.e. smokers, overweight, and people with pre-existing conditions typically pay more for private health insurance)

Update 18/08/2018


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Expatriate health insurance in Canada

With so much to deal with before leaving your home country, (taxes, moving house, paperwork etc.) the careful planning of your expatriation to Toronto is an essential step. As far as healthcare is concerned, your local social security scheme won’t be accompanying you to your host country and, once abroad, you might be surprised by the care system you find in Canada So, before leaving, make sure you have appropriate cover!

Designed for either short or long stays, APRIL International’s insurance policies offer protection against any problems that might arise before departure or during your time in Canada: cancelling your trip, medical expenses following an illness or accident, needing to be repatriated, causing damage to a third party or losing your luggage.

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Find more definitions and general answers on expatriation issues in the Expat FAQ (Frequently Asked Questions).

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