A medical emergency outside Quebec can lead to significant costs. Describe your trip; a person registered with the AMF presents the options.
Understand out-of-province coverage
Spot the exclusions
Leave informed
What the public plan provides
The RAMQ’s coverage outside Quebec is limited. Check with the RAMQ directly for your case.
Emergencies only
A policy generally covers urgent, unforeseen care, not planned care.
Health and stability
Existing medical conditions can restrict coverage or require a period of stability.
Call before you consult
Many policies require contacting the assistance line before non-urgent care; it is written in the contract.
Length of stay and age
They can influence the conditions; the authorized person explains them.
Frequently asked questions
Is my group insurance enough?
It may include travel coverage with limits on duration or amount; check them.
Am I covered for a trip of several months?
It depends on the contract; state the duration during the conversation.
Is the request free?
Yes, and without obligation.