Provincial health coverage.
Each province runs its own public health plan. Apply for your health card as soon as you have an address, and cover any waiting period with private insurance.
Health coverage
- Health card applied for
- Private insurance for the gap
- Family doctor found
When coverage starts.
Some provinces cover new permanent residents right away; others make you wait. Here’s a summary for four large provinces.
Other provinces and territories have their own rules. Check your provincial health plan’s official site.
| Province | Plan | Waiting period |
|---|---|---|
| Ontario | OHIP | None for most new permanent residents |
| British Columbia | MSP | Rest of your arrival month plus two months |
| Alberta | AHCIP | None if you register within 3 months of arriving from outside Canada |
| Quebec | RAMQ | Up to three months |
Summary as of September 2026 for new permanent residents. Rules differ for work and study permit holders and can change. Always verify locally.
Why you need cover for the gap.
Without provincial coverage, a single emergency visit or hospital stay can cost thousands of dollars. Private newcomer or visitor insurance for the waiting period is usually far cheaper.
- Buy it before you fly so you’re covered from arrival
- Check it covers pre-existing conditions if you need that
- Match the length to your province’s waiting period
- Keep receipts for any care you pay for
Finding a doctor, and what to do meanwhile.
Register for a family doctor
Many provinces run a registry that matches patients with doctors. Sign up early; waits can be long.
Walk-in clinics
For non-emergencies while you wait. Bring your health card once you have it.
Call 811
Most provinces have a free 811 line for health advice from a nurse.
Emergencies: call 911
Go to the emergency department for serious illness or injury.
Kids
Children usually get coverage on the same timeline as their parents. Keep immunization records for school.
Prescriptions
Prescription drugs aren’t always covered by the public plan. Check workplace benefits and provincial drug programs.