Insurance for Dependents
PLEASE NOTE: THE INTERNATIONAL STUDENTS OFFICE (ISO) DOES NOT OFFER HEALTH INSURANCE FOR YOUR DEPENDENTS.
Health insurance coverage is also highly recommended for spouses and children who are accompanying an international student to Canada. For information on other insurers who provide Visitor's Insurance on an individual basis, please see a list of websites below. You can compare their plans and choose the one that best fits your current situation. Keep in mind that not all plans are comparable and it is the responsibility of the student to check on the plan details.
Please note that some plans completely exclude expenses related to pregnancy; others will only cover the expenses if the pregnancy started after the beginning of the health insurance coverage. There can also be limitations relating to the coverage of your newborn. Remember: newborns do incure costs post-delivery and you are responsible for said costs.
- Manulife CoverMe
- Québec Blue Cross
- AIG Travel Guard (for American students only)
- Assurance visiteurs
- Allianz Care
Please note that international students MUST be covered by the Blue Cross Health Insurance Plan for Concordia International Students even if their dependents are covered by another insurance provider.
Information on pregnancy
For any pregnancy-related issues which involve your Blue Cross Health Insurance Plan, please read some FAQs, below or visit the ISO.
Information on how to register your child or children with the Québec health insurance plan (RAMQ).
As of September 22, 2021, accompanying Children of temporary residents under 18 years of age whether they were born in Quebec or not are eligible for the Quebec health insurance plan - Régie de l'assurance maladie du Québec(RAMQ), provided that they meet the eligibility criteria . This includes:
- Children temporarily living in Québec, for example, those of foreign workers or students.
- Children without legal status in Canada. Refugee claimants are not eligible for the Quebec health insurance; however, they may be eligible for the Federal Interim Health Insurance plan.
Moreover, the 3-month period during which people who settle in Quebec are not eligible for health insurance (also called the “waiting period”) is abolished for all children.
You may register your child for health insurance online if they are born outside Québec and you or the other parent are in one of these situations:
- You have established your main residence in Québec
- You are temporarily staying in Québec for more than 6 months
For RAMQ registration information, please call the RAMQ directly at 1 833 203-5524 once you and/or your children have entered Canada.
Please note: if you enroll your child/children into the RAMQ, you do not need to add them to another health insurance plan.
You will be sent a registration form by mail – make sure to have a mailing address in Québec before calling the RAMQ. You will then need to mail back your completed registration form and any requested supporting documents (for example your child/children’s birth certificate or their immigration document).
You may also choose to schedule an appointment online and a RAMQ agent will call you back. It is estimated that it may take up to 3 weeks or longer to obtain your child’s RAMQ card.
If your child will be born in Canada, the hospital where they are born will take care of their registration onto the RAMQ plan.
For your information, RAMQ has a process for reimbursement if expenses are incurred before receiving a RAMQ card for your child.
Your contract will cover your pregnancy related medical expenses covered under Quebec medicare health insurance plan as well as the delivery of a baby. Your Health Insurance Plan for Concordia University International Students will only cover the aformentioned expenses for yourself, not your newborn.
For pregnancy: the pregnancy must begin during the policy period or within one month prior to the effective date of the policy (except if this plan replaces a similar coverage you had with a group insurance plan offered by a recognised Canadian educational institution for a period of 12 consecutive months immediately prior to the present coverage) - the maximum hospital confinement is limited to two days in the event of a natural birth (a longer period may apply if there are complications).
The plan administrator, the Vigilis Group, will be happy to answer all your questions. They can be reached by the phone numbers and email seen below.