All international students must have medical insurance for themselves and their accompanying dependents and must always keep this insurance valid for the duration of their education in Quebec. If you are not provided insurance from your college/university, you could buy it privately at Policystore.ca or any licensed company. Check out the Quebec Immigration website, https://www.immigration-quebec.gouv.qc.ca/en/immigrate-settle/students/temporary-settlement/health-insurance.html, for more information.
Visit RAMQ (Régie de l’assurancemaladie du Quebec) at https://www.ramq.gouv.qc.ca/en and check the eligibility conditions for health insurance. You can evaluate your eligibility online through their website at https://www.ramq.gouv.qc.ca/en/citizens/health-insurance/know-eligibility-conditionsand learn more on how to apply for RAMQ coverage.
Your health insurance coverage starts after the 90 days of your registration with RAMQ. This waiting period applies even if you are a permanent resident or Canadian Citizen. RAMQ recommends that you take out personal health insurance for this duration to cover your medical expenses. During these 90 days, you are not covered for any medical expenses except in few special scenarios which are mentioned on the registration letter that you obtain after applying to RAMQ.
A waiting period may apply to you if your existing/prior insurance has already expired, or if you are purchasing insurance after your arrival in the visiting country. The waiting period can last for up to 7 days depending upon the insurance company. During this waiting period, there are certain limitations and exclusions to the policy.Contact your agent for more information.
The pre-existing condition coverage option covers you for existing medical conditions that have remained stable during the last 90,120 or 180 days. This period depends upon the insurance policy that you purchased. There should be no change in your health during this time, to be covered by your insurance policy.