You may not have coverage for the first 3 months in some provinces if you have not met the requirements to qualify for provincial healthcare. You have to reapply for provincial healthcare even if you still have a valid card but have not met the residency obligation in your province to qualify. Depending on the province your child may qualify for provincial healthcare before getting PR.I've tried Sun life before but it doesn't allow me to apply for my daughter. It says it's only for 18 years +. Do I have to get insurance for myself and then add my daughter?