Do international students in Canada have health insurance?

Health coverage for international students in Canada varies by province and institution. Here is a breakdown:

Provinces that include international students in provincial health plans:
- British Columbia: International students eligible for MSP (Medical Services Plan) after 3 months of residency
- Alberta: Eligible for AHCIP after 3 months
- Manitoba and Saskatchewan: Coverage available for international students

Provinces where international students are NOT automatically covered:
- Ontario: OHIP does not cover most international students — you must get private insurance
- Quebec: Has its own system; international students generally not covered, though French students have a reciprocal arrangement
- Nova Scotia, New Brunswick, others: Not covered under provincial plans

University health plans:
Most universities include a mandatory health and dental plan in your student fees (approximately CAD 300–700/year). These plans cover:
- Doctor visits
- Prescription medications
- Mental health services (limited sessions)
- Dental basics
- Emergency ambulance

Important: University health plans are supplementary and may not cover emergency hospitalisation adequately. Students in non-covered provinces should consider additional private insurance.

UHIP (University Health Insurance Plan):
Many Ontario universities administer UHIP specifically for international students at approximately CAD 700–850/year. It covers emergency and hospital care but not dental.

Tips:
- Register for provincial health insurance as soon as you arrive if your province covers students
- Understand exactly what your university plan covers before you need it
- Keep your insurance card with you at all times