There is no Canadian government health insurance plan for visitors to Canada. Visitors must have their own private health insurance while in Canada. Under Canadian law, hospitals and physicians cannot refuse to provide necessary medical treatment to a patient because they don’t have health insurance. However, if you don’t have insurance, you may be required to pay for your medical treatment upfront and be reimbursed later.
Some provinces and territories have reciprocal health care agreements with certain countries. These agreements allow residents of these countries to receive some medically-necessary hospital and physician services while visiting Canada.
If you’re a visitor to Canada and you have a valid health card from your home province or territory, you’re covered for medically-necessary hospital and physician services during your stay in another province or territory.
If you don’t have a health card from your home province or territory, you may still be covered by your provincial or territorial health insurance plan if you’re a student or a worker temporarily in another province or territory.
The coverage you receive under a reciprocal health care agreement may not be the same as the coverage you receive at home. For example, some services may not be covered, or you may have to pay a portion of the cost. You should check with your provincial or territorial health insurance plan to find out what’s covered.
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