Temporary Worker Health Insurance

Healthcare emergencies happen. If you are a foreign worker in British Columbia, protect yourself and your family from medical and financial hardship with temporary worker insurance.

You can be covered by MSP (Medical Services Plan for BC residents) as long as you meet the eligibility requirements. But MSP is seldom enough.

A temporary worker insurance plan can cover medical emergencies in these situations:

• During the 3-month waiting period before MSP starts
• For medical costs like some prescriptions and treatments that aren’t covered by MSP
• If your employer doesn’t provide additional health benefits
• If you don’t quality for MSP

Health Insurance Benefits for Temporary Foreign Workers

• $10,000 to $300,000 for emergency medical care
• Prescription drugs required to treat emergency situations
• Hospitalization fees for a semi-private room
• Ambulance (Ground or Air Transportation)
• Emergency home return by air ambulance or commercial flight with a medical escort
• Coverage for COVID-19
• Professional fees for nurses, physicians and other health care professionals for emergency medical treatment
• Up to $2,000 for emergency dental care treatment as a result of an accident
• Return of deceased
• Up to $1,000 for accommodation and meals if your return is delayed due to a medical emergency
• Up to $300 per profession for physiotherapist, chiropractor, osteopath or podiatrist services when medically necessary and prescribed by the attending physician
• Trips to other provinces and the United States may be covered

This health insurance plan for temporary foreign workers has many advantages over standard visitors to Canada insurance.

Health Plan Benefit	TFW Plan	VTC Plan
Critical illness coverage – $5,000 paid on diagnosis of 9 major illnesses	yes	no
Coverage for pre-existing conditions	yes	sometimes; with limitations
Vaccines	yes	no
Oral contraceptives	yes	no
Diabetes supplies	yes	no
Check up appointment	1/year	no
Breathing equipment	yes	no
Hearing aids	yes	no
Orthopedic equipment	yes	no
Employers: Direct monthly billing at a per-day, per-worker rate	yes	no

Talk to one of our temporary worker insurance specialists to help you choose the right coverage while you’re in BC.

Are you an immigration consultant helping people get approval to work in BC or elsewhere in Canada? Or consult with employers to help them hire temporary foreign workers? Learn about our BC immigration consultant affiliate plan.