Can I be added to my husband's health insurance before PR.

[Gemini020]

Where did you find this information?

 

[canuck_in_uk]

Thank you for your reply. If more people would be as persistent (or even know about it), the people at MSP would maybe learn about this faster. I do not plan on giving up either, especially knowing that your partner did get coverage. Do you know if there is a difference for outland applicants?

There is no difference for outland. My partner applied outland.

 

[Gemini020]

Canuck_in_uk; thank you so much for all your help on this forum. This subject is very important to us as it might influence our decision of when to start trying to start our own family.

 

[IrisSphere]

Can anyone from Ontario chime in on the best place to get Health insurance while awaiting PR? We have SA approval, but since it is an outland app i don't think we yet qualify for OHIP as my husband hasn't passed the "eligibility" stage in the process. Trying to find companies that cater to these needs, but feeling overwhelmed. Would appreciate any insights!

 

[hillaryh]

We are in Ontario & My husband was able to add me to his work benefits (RXs, chiro, massages etc) for the first 5 months I was here. However, when it came to renewing his benefits for the year I was unable to stay on.

 

[kangamoose]

Can anyone from Ontario chime in on the best place to get Health insurance while awaiting PR? We have SA approval, but since it is an outland app i don't think we yet qualify for OHIP as my husband hasn't passed the "eligibility" stage in the process. Trying to find companies that cater to these needs, but feeling overwhelmed. Would appreciate any insights!

I just have travel insurance (had to purchase to get the IEC visa), the only thing you need to be careful of with this is that you get a policy that states you can purchase without being in your home country, the only one I know of that does this is world nomads. They also let you extend the policy, since your VO is Lima, buying a few months coverage and extending might be your best and cheapest option. I'm unsure if any regular insurance policies allow this.

 

[IrisSphere]

I just have travel insurance (had to purchase to get the IEC visa), the only thing you need to be careful of with this is that you get a policy that states you can purchase without being in your home country, the only one I know of that does this is world nomads. They also let you extend the policy, since your VO is Lima, buying a few months coverage and extending might be your best and cheapest option. I'm unsure if any regular insurance policies allow this.

Thanks Kangamoose! That's helpful. He currently has travel insurance purchased in Lima but its only valid for the next 30 days (it activates when he leaves Lima, and we just came back from a trip there). But he is so accident prone that I really want to get him some type of coverage beyond that, haha. I saw some companies allow Visitor insurance (about $800), but not sure what it would cover and if that's enough.

 

[canuck_in_uk]

Canuck_in_uk; thank you so much for all your help on this forum. This subject is very important to us as it might influence our decision of when to start trying to start our own family.

Be very clear that there is absolutely no guarantee you will be able to get coverage, so do not count on it for your family planning.

 

[keesio]

It worked for us, with Great west life, but it was not an outland sponsorship...

Same here. And it was an outland sponsorship

 

[Gemini020]

I understand there is no guarantee but if the rules state you can, I'm pretty confident I'll get it. I'll need insurance for those three months anyway so if need be I'll keep that. I'm thinking of keeping my insurance in my home country, they will cover part of the costs at least.

 

[IrisSphere]

Same here. And it was an outland sponsorship

From my work they said specifically that my husband would need to have OHIP coverage before they would be able to add him to my benefits (Manulife). Maybe if you don't say that he doesn't, they add it anyway? Not sure if thats a loophole..

 

[canuck_in_uk]

I understand there is no guarantee but if the rules state you can, I'm pretty confident I'll get it. I'll need insurance for those three months anyway so if need be I'll keep that. I'm thinking of keeping my insurance in my home country, they will cover part of the costs at least.

Not to sound mean but realistically, regardless of how confident you are, the chances of you getting coverage are low. Only a small percentage have actually been able to get it; most lose the fight.

Any insurance that you get in the meantime is only emergency coverage. It will not cover any maternity costs if you were to get pregnant, nor will it cover doctor visits or anything like that.

 

[screech339]

From my work they said specifically that my husband would need to have OHIP coverage before they would be able to add him to my benefits (Manulife). Maybe if you don't say that he doesn't, they add it anyway? Not sure if thats a loophole..

If an applicant without provincial coverage was able to get on work benefits and began to collecting dental coverage and insurance company find out about it later, they can ask for their money back.

 

[Gemini020]

Thanks for the warning. We will take everything into consideration. I will definitely be able to have Dutch insurance that will at least be covering a bit. If we wait until I move, there is another Dutch, expat, insurance I'll be able to get.

 

[screech339]

From my work they said specifically that my husband would need to have OHIP coverage before they would be able to add him to my benefits (Manulife). Maybe if you don't say that he doesn't, they add it anyway? Not sure if thats a loophole..

My work place did the same thing. The first thing they asked for was proof of my wife being on OHIP before i could add her to work benefit. SunLife is the insurance company used at work.