Travel insurance in Canada during a WHP: mandatory?

Last updated on June 28, 2020 at 12:00 PM (Montreal time)

Travel insurance for Canada is mandatory for holders of an EIC permit (PVT, Young Professional...).

The immigration officer could shorten the duration of your work permit if your certificate is not for two years. Only for young professionals who have access to the RAMQ, a travel insurance covering health expenses is duplicated with a group insurance offered by your employer. Don't forget to read beforehand the complete article about the health care system in Canada.

Travel insurance Canada PVT: why is it mandatory for your immigration?

To go to Canada under the EIC program (PVT, young professional...etc), health insurance (or travel insurance for Canada) covering your entire stay is mandatory. Indeed, it will cover you for repatriation, hospitalization and urgent or unexpected illnesses: things required by immigration for the delivery of your work permit. Here is an extract from the official website :


As you can see, health care and hospitalisation will be covered by the RAMQ (if you are eligible) but not repatriation.

Repatriation As repatriation is compulsory to enter the country, you must have travel insurance covering repatriation to Canada.

Travel insurance Canada PVT: possible solutions

For holders of a WHV

Pvtists (holders of a holiday-work permit for Canada) who are not entitled to RAMQ (régie d'assurance maladie du Québec) must take out travel insurance to benefit from the reimbursement of health care and hospitalization . Indeed, as indicated in the article dedicated to the health system in CanadaWithout insurance, health care can be very expensive. Unfortunately, you will not be able to save money on your health insurance in Canada.

For holders of a closed licence (young pro or VIE)

For holders of a closed work permit with a Canadian employer, you are eligible for the health insurance of your province of residence and thus your health/hospitalization expenses will be reimbursed by the public system. As you will understand, your travel insurance will be "duplicated" for certain reimbursements (after the 3-month waiting period).

Take out insurance for repatriation only via your bank cards

Some people think they can take advantage of their premium credit card insurance (Visa Gold, etc.) which contains repatriation insurance. However, these usually only offer repatriation for trips of less than 90 days and only if you have purchased your flight tickets with the card in question. Unfortunately, to our knowledge, no travel insurance policy offers repatriation only.

Credit card insurance is not at all suitable for an expatriation via the EIC programme (Pvt, young pro...). A travel insurance for your departure to Canada is therefore mandatory!


Canada PVT travel insurance: our tip to save with Chapka!

Maplr is proud to be a partner of ChapkaChapka Maplr, a leading player in international mobility, offers insurance solutions to protect your health abroad.

Why choose Chapka for your travel insurance for Canada?

  • Your emergency medical expenses will be covered (sudden and unexpected illness). From the first euro.
  • Chapka has negotiated exclusive Covid-19 benefits for you before or during your trip. Rest assured, it will be mentioned on your travel insurance certificate for Canada.

  • Benefit from a worldwide cover for your holidays of less than 90 days and a cover in France for your trips of less than 30 days

  • You can also purchase this travel insurance for Canada if you have a Young Professionals permit or International Co-op permit (all permits in the EIC program).

Partnership exclusivity for the Maplr community:

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