Healthcare emergencies happen. If you are a foreign worker in Atlantic Canada, protect yourself and your family from medical and financial hardship.
You can be covered by the medical services insurance for the province you’re in*, as long as you meet the eligibility requirements. But provincial coverage is seldom enough.
A temporary worker insurance plan can cover emergencies in these situations:
- During the waiting period before provincial coverage starts (varies by province)
- For medical costs like some prescriptions and treatments that aren’t covered by the province
- If your employer doesn’t provide additional health benefits
- If you don’t quality for the provincial plan
Health Insurance Benefits for Temporary Foreign Workers
- $10,000 to $300,000 for emergency medical care
- Prescription drugs required to treat emergency situations
- Hospitalization fees for a semi-private room
- Ambulance (Ground or Air Transportation)
- Emergency home return by air ambulance or commercial flight with a medical escort
- Coverage for COVID-19
- Professional fees for nurses, physicians and other health care professionals for emergency medical treatment
- Up to $2,000 for emergency dental care treatment as a result of an accident
- Return of deceased
- Up to $1,000 for accommodation and meals if your return is delayed due to a medical emergency
- Up to $300 per profession for physiotherapist, chiropractor, osteopath or podiatrist services when medically necessary and prescribed by the attending physician
- Trips to other provinces and countries, including the United States may be covered
Compare our temporary foreign worker insurance plan to standard visitor to Canada insurance.
| Benefit | TFW Plan | Standard VTC |
|---|---|---|
| Critical illness – $5,000 paid upon diagnosis of 9 major illnesses | ✔ | ✘ |
| Insulins/needles/syringes for diabetics | ✔ | ✘ |
| Oral contraceptives | ✔ | ✘ |
| Vaccines | ✔ | ✘ |
| Coverage for pre-existing conditions | ✔ | sometimes; with limitations |
| Check up appointment | 1 /year | ✘ |
| Breathing equipment | ✔ | ✘ |
| Orthopedic equipment | ✔ | ✘ |
| Hearing aids | ✔ | ✘ |
| Employers: pay one premium at a per worker/day rate, billed monthly | ✔ | ✘ |
Talk to one of our temporary worker insurance specialists to help you choose the right coverage.
*In Nova Scotia: Medical Services Insurance (MSI), in New Brunswick and Prince Edward Island: Medicare, in Newfoundland: Medical Care Plan (MCP)
Do you work directly with immigrants to help them work in Canada, or consult with employers to help them meet their hiring needs? Learn about our immigration affiliate program.