Student Insurance Canada and Quebec

You are going to study in Quebec and you need to take out student insurance for Canada. You have obtained all the necessary permissions: the CAQ, the study Permit for those leaving for a long time and you are ready.
Medical costs in Canada are very high and it is essential to have medical insurance that covers you in Canada of course but also when you travel and return to your country of origin.


Quebec universities such as McGill University require you to choose between taking out private insurance or registering with the Régie de l’assurance maladie du Québec (RAMQ) by waiving the benefits of health insurance in your home country, if your country has an agreement with Quebec.

What is the best choice between RAMQ and private health insurance?

None of the 2 solutions is really satisfactory since you can be covered in Canada, but not 100% for these 2 options. If you choose only RAMQ or Quebec private insurance, you are not covered if you travel outside of Canada (except for some universities for emergencies if your trip lasts less than 4 weeks) and you are not covered when you return to your country of origin.
Given the incomplete guarantees of private insurance offered by Quebec universities such as McGill for example, we advise you to opt for the RAMQ, if your country has signed an agreement, and also choose an insurance for international students such as Gold Student. You will be insured worldwide during all your stays including in your country of origin and will be able to obtain additional refunds from the RAMQ.

What does RAMQ cover?

RAMQ reimbursements are often limited to 70% and the agree rates set by the RAMQ and do not cover you in private hospitals in Canada. If you go outside of Canada, the Ramq can cover you in some countries for emergencies and for a limited time but this is to be studied carefully according to the duration of the stay, destination, purpose … Etc.

How do I choose my student insurance in Quebec?

Choosing only RAMQ is insufficient, buying private insurance from the Quebec university does not completely cover you either.
We therefore advise you to take out international student insurance. Knowing that you will no longer have a link with your country of origin, it is essential that this insurance covers you for the 1st dollar spent. Ideally, health insurance should complement your RAMQ reimbursements so that you can benefit from the access facilities offered by the RAMQ card while being fully covered.

How much does international student insurance in Canada cost?

The price varies greatly depending on the level of coverage offered by the insurance.
For a sufficient level of coverage allowing you to be covered all over the world at a very good level, it takes between 50 and 100 euros/month. Mondassur International Student Insurance offers you an excellent guarantee-price ratio. Request a free quote for student insurance in Canada.
McGill student insurance costs about 730 euros per year (1130 Canadian dollars) but the guarantees are limited. You are covered 100% in hospitalization and 80% in current medicine for diseases and emergencies only up to 10,000 euros and only up to the maximum rates negotiated by the RAMQ in public institutions.

How to take out insurance for students abroad?

You can take out your international insurance online or use a membership form to be returned to us by mail or email. We recommend that you do it at least a week before you can follow all the steps quietly.

What are the advantages of international student insurance?

This is the guarantee of being covered without interruption worldwide and especially to benefit from the following advantages if you choose an international insurance like GoldStudent :
Coverage in public and private institutions
Choice of doctors and hospitals
Coverage worldwide: in addition to Canada if you go to the USA, Cuba, Latin America or Asia: you will be covered
Coverage in your home country
Coverage against epidemics such as Covid-19 (point to check according to the insurance chosen)
100% coverage in hospital and current medicine fees at 80% or 90%
Coverage for pre-existing conditions
Coverage for preventive care and not just curative care, routine care
Coverage for emergency dental care
Repatriation in real costs

Who can benefit from RAMQ?

Students from countries that have signed a social security agreement include students from Belgium, Denmark, Finland, France, Greece, Luxembourg, Norway, Portugal, Romania, Sweden.

How do I apply to be attached to the RAMQ?

You can apply by mail:
Download the RAMQ registration form
Fill out, print and sign the form
Include requested documents (passport copy, certificate of study of the institution in Canada and certificate of affiliation with Social Security)
Post it at the address on the form:

Quebec Health Insurance Authority
C. P. 6600, success. Terminus
Quebec G1K 7T3

Where to find certificates of affiliation with the French social security system to go to Quebec?

For exchange students in Canada: Certificate of affiliation with the French social security system SE 401-Q-106

For students graduating from Canada: Certificate of membership in the French social security system SE 401-Q-102

For students doing an internship in Canada as part of your studies: Certificate of affiliation with the French social security plan SE 401-Q-104

Who to contact McGill for information on international student insurance?

Office of International Student Services
+1 514-398- 4349
+1 514-398- 7352
Brown Pavilion (Student Services) 3600 McTavish Street, Suite 3215, Montreal, Quebec H3A 1Y2 CANADA

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