Author Topic: Health insurance for our sons - After moving to Canada  (Read 5253 times)

EnjoyTheJourney

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Health insurance for our sons - After moving to Canada
« on: May 12, 2022, 07:17:12 AM »
Our sons are Canadian citizens by birth, but do not yet have their Canadian citizenship certificates. Processing times have risen dramatically from apparently about two months back in the day to up to two years at present (according to a NY-based Canadian consulate employee a while back, apparently due to overwhelming demand for urgent processing from Afghani and Ukrainian applicants). Plus, there is no guarantee time frames won't get even worse, going forward.

We may be able to get health insurance for our sons via the province of Alberta effective right away, despite not yet having those certificates. But, until we move there and apply we won't know for certain. So, as part of our due diligence it's important to find private health insurance companies that offer comprehensive health insurance policies for children for up to two years (ie: policies that cover what provincial medical service plans would cover, for two young boys under 10 years old).

After a noticeable amount of time searching, so far I've only found private health insurance policies that cover what provincial medical insurance does not. Also, I telephoned Allianz Global Assistance because there's a thread in this forum with a very favorable review for them. I was told point blank that they only do travel insurance and what we'd like to receive a quote for isn't something they do.

Perhaps somebody here knows already with whom I should be starting a conversation. An good insurance broker who handles international medical insurance would be a particularly good starting point, in case somebody knows of one or more. Such information would be most helpful and appreciated.
« Last Edit: May 12, 2022, 07:28:15 AM by EnjoyTheJourney »

daverobev

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Re: Health insurance for our sons - After moving to Canada
« Reply #1 on: May 12, 2022, 02:54:01 PM »
More than a decade ago I think I used https://www.worldwideinsure.com/ ("Other" -> "Private Medical" I guess).

Have you tried calling Alberta's health agency..? For children, often - I assume under humanitarian grounds - you will find they are just attached to you - they would never ever be denied healthcare or anything.

EnjoyTheJourney

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Re: Health insurance for our sons - After moving to Canada
« Reply #2 on: May 14, 2022, 11:40:05 AM »
Actually, British Columbia health bureaucracy representatives had earlier said "Go ahead and apply once you move here" and made it clear that our sons may or may not end up being covered.  After speaking with Alberta Health people a second time, I was told our sons could get rolling six month health insurance approvals while waiting for their certificates. Since that was offered as a response twice, it's easier to have faith in Alberta than in British Columbia.

The challenge we're running into for formulating a "Plan B" in case at some point things fall through is that because we're moving to Canada and 3 of us are Canadian citizens, the other a permanent resident, the two travel insurance companies with which I've spoken have essentially said "What you're doing isn't what we consider travel and we don't have anything to offer you."

The private health insurance we've been able to find in Canada is for those who are covered in all the basics by the relevant provincial health insurance authority.

That said, thank you for the suggestion. I'll explore it next week.

« Last Edit: May 14, 2022, 01:30:45 PM by EnjoyTheJourney »

travel2020

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Re: Health insurance for our sons - After moving to Canada
« Reply #3 on: May 14, 2022, 02:17:53 PM »
There are insurance brokers who specialize in insurance options for students, new immigrants, etc. This is a common scenario as those moving to Canada typically need temp coverage while waiting for their provincial coverage to kick in.

Here’s one I came across via a quick search (haven’t used personally). Might be worth a call to explore what they can do.

http://www.david-cummings.com/index.htm

Good luck!

EnjoyTheJourney

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Re: Health insurance for our sons - After moving to Canada
« Reply #4 on: May 14, 2022, 03:00:47 PM »
Thank you!

I'll explore this further early next week.

Margie

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Re: Health insurance for our sons - After moving to Canada
« Reply #5 on: May 15, 2022, 10:50:49 AM »
You will not be denied care in Canada in an emergency.

Our urgent cares in Ontario will see people for a small fee if they "forgot their card' so in a pinch I guess you could say that. 

Permanent residents in Canada get normal health care; you just need to go to the Provincial Service and apply for it.  You will need photo ID and proof of address.  You can use school registration for proof of your children's address.




treffpunkt

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Re: Health insurance for our sons - After moving to Canada
« Reply #6 on: May 15, 2022, 01:03:44 PM »
When I moved back to Canada I purchased insurance through Pacific Blue Cross for coverage during the waiting period.

They still offer it, but it's (potentially confusingly) listed under "Visitors to Canada" even though it includes "For returning Canadians awaiting eligibility for the Government health insurance plan to begin."

https://www.pac.bluecross.ca/travel-insurance/visitors-to-canada

Goldielocks

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Re: Health insurance for our sons - After moving to Canada
« Reply #7 on: June 07, 2022, 11:04:56 PM »
Even as a Cdn citizen moving back, I had to be permanently residing in my province for 3 full months before health care kicked in.  That is the key, you need to be 3+ months resident with status to work / live there.

Sounds like you can get interim care while waiting for official status, which is great.  But... what status will they have in Alberta / BC before they get their citizenship that lets them live there, not just 'visit"?

In the meantime, you buy private insurance, and guess what -- It is so much cheaper than paying for US insurance if you get the "world" insurance that excludes coverage in USA.