PVTiste: How to take care of yourself in Quebec?
I am a family physician and medical director of French origin. I completed my schooling and practiced in France before settling and practicing in Quebec. I've had the opportunity to care for several PVT patients, and my goal is to help you understand the differences between the French and Quebec healthcare systems, so that you can more easily navigate your healthcare journey in Quebec.
What is a WHP?
A WHP is a participant in the Working Holiday Program (WHP), an opportunity that allows young people from certain countries to stay in Canada for up to two years. The WHP allows you to work, travel and discover the country while supporting yourself financially through temporary employment. Quebec currently welcomes several thousand PVT participants every year, attracted by the dynamic culture, work opportunities and quality of life.
Medical coverage in Quebec for temporary workers
As a PVTist, it's crucial to understand that you are not automatically covered by the Quebec health insurance plan (RAMQ). Here's what you need to know about medical care in Quebec:
Private health insurance
Most WHPers take out private health insurance before leaving for Canada. This insurance must cover medical expenses, hospitalization and repatriation. Make sure that your insurance is valid for the entire duration of your stay in Quebec, and that it meets your specific needs.
Access to care
1Medical consultations: You can consult a family doctor or a physician in a walk-in clinic. Costs vary, generally between $150 and $300 for a basic consultation, and must be paid on the spot, after which you can claim reimbursement from your private insurance.
2Emergencies: In an emergency, you can go to a hospital. Emergency care is available to everyone, but it can be expensive without insurance. Fees can range from $500 to $1,000 or more, depending on the nature of the emergency and the treatment required. Your private insurance should cover these costs, but you'll have to pay in advance as well.
3Home visits: Some (very rare) clinics, like ours, offer home visits in Montreal starting at $279, depending on the complexity and location of the consultation. These visits should also be covered by your private insurance. You can book an appointment on our website allodocteur.ca.
Pharmacies and medicines
Pharmacies in Quebec operate in a similar way to those in France. You can buy over-the-counter medicines for common ailments and obtain prescription drugs after consulting a doctor. Always keep your receipts to submit to your insurance company.
The difference with the French healthcare system
Unlike France, where health insurance covers most health expenses, Quebec is based on a system of public and private insurance. As a PVTist, you won't be covered by public insurance (RAMQ), so you'll have to rely on your private insurance for reimbursements.
Conclusion
Navigating Quebec's healthcare system as a PVT may seem complex, but with the right preparation and insurance, you can treat yourself with peace of mind. Make sure you understand the terms of your private health insurance and know where to find the medical services you may need.
Please do not hesitate to contact us if you have any further questions or would like to schedule a consultation. We're here to help you make the most of your stay in Quebec with complete peace of mind.
To find out more about the differences between the healthcare systems in Quebec and France, please consult our dedicated article.
