Insurance Requirements for Newcomers in Canada | November 2025
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Summary Table for Insurance Requirements for Newcomers in Canada | November 2025
| Name | Type | Learn More |
|---|---|---|
| Manulife Private Health Insurance | Financial Service | Learn More |
| Sun Life Visitor Insurance | Financial Service | Learn More |
| Desjardins Home Insurance | Financial Service | Learn More |
| TD Insurance Tenant Insurance | Financial Service | Learn More |
| RBC Life Insurance | Financial Service | Learn More |
| Scotiabank Travel Insurance | Financial Service | Learn More |
| Manulife Disability Insurance | Financial Service | Learn More |
| BMO Home and Auto Insurance Bundle | Financial Service | Learn More |
| Canada Protection Plan Life Insurance | Financial Service | Learn More |
| RBC Super Visa Insurance | Financial Service | Learn More |
| TD Life Insurance for Newcomers | Financial Service | Learn More |
| Manulife International Student Health Insurance | Financial Service | Learn More |
Insurance Requirements for Newcomers in Canada | November 2025
Thousands of newcomers successfully access essential insurance services each year, transforming their Canadian journey with strategic financial protection. Navigating insurance options can be complex, but understanding your coverage needs is crucial for a smooth transition. By exploring credit building options, newcomers can create a solid financial foundation alongside comprehensive insurance coverage.
What Newcomers Need to Know
- Insurance is mandatory for healthcare, property, and personal protection
- Different provinces have varying insurance requirements
- Multiple insurance types are critical for comprehensive coverage
- Understanding local regulations is essential for compliance
Our Top Recommendations
- Choose insurance providers with newcomer-specific programs
- Compare multiple quotes before making decisions
- Consider bundled insurance options for cost-effectiveness
- Prioritize health and liability coverage
- Understand waiting periods for provincial healthcare
Health Insurance Programs
1. Manulife Private Health Insurance
Category: Financial Service
Manulife Private Health Insurance offers comprehensive health coverage for individuals and families in Canada, providing flexible and affordable options to protect against unexpected medical expenses. This insurance is particularly valuable for newcomers seeking reliable healthcare protection that can be customized to their specific needs.
What newcomers need to know:
- Health insurance plans include health and dental coverage
- Options for disability and critical illness protection
- Seven different plan choices available
- Flexible coverage options for individuals and families
- Coverage includes prescription drugs, vision, and extended health services
Benefits for newcomers:
- Protection from regular health and dental costs
- Affordable insurance meeting individual budget requirements
- Easy to understand and manage insurance plans
- Comprehensive coverage including prescription medications
- Ability to choose from multiple insurance plan levels
How to apply:
- Visit official website to learn more
2. Sun Life Visitor Insurance
Category: Financial Service
Sun Life Visitor Insurance provides comprehensive travel insurance for visitors to Canada, offering critical medical and emergency coverage for those who are not eligible for Canadian government health insurance. This insurance is essential for protecting newcomers and travelers against unexpected medical expenses and travel disruptions.
What newcomers need to know:
- Non-Canadian citizens are eligible to purchase visitor insurance
- Can apply if you're visiting Canada or a Canadian without government health plan coverage
- Coverage includes emergency medical care
- Flexible payment options available
- Options for various travel scenarios and needs
Benefits for newcomers:
- Emergency medical care coverage
- Trip interruption protection
- Flight delay assistance
- Sports and activities coverage
- Support for lost or stolen important documents
How to apply:
- Visit official website to learn more
3. Desjardins Home Insurance
Category: Financial Service
Desjardins Home Insurance offers comprehensive property protection tailored for homeowners, condo owners, and apartment residents. As the 3rd-largest insurance agency in Canada, they provide trusted insurance solutions specifically designed to protect your property and belongings.
What newcomers need to know:
- Insurance available for home, condo, and apartment properties
- Coverage protects against loss or damage to property
- Serves customers primarily in Alberta and Ontario
- Phone contact available: 1-855-440-9884
- Online quote and application options
Benefits for newcomers:
- Tailored insurance plans
- Covers personal property and belongings
- Multiple property type options
- Specialty vehicle and pet coverage available
- Trusted insurance provider with over 2 million customers
How to apply:
- Visit official website to learn more
Travel and Emergency Coverage
4. TD Insurance Tenant Insurance
Category: Financial Service
Tenant insurance is a critical financial protection tool for renters, providing comprehensive coverage for personal belongings and liability. For newcomers to Canada, this insurance offers peace of mind and financial security in their new home environment.
What newcomers need to know:
- Covers personal property located anywhere in Canada
- Financial protection against risks like fire, theft, and water damage
- Can protect belongings both inside and outside your home
- Special insurance products available for students and renters
- Provides liability coverage if someone is unintentionally injured in your home
Benefits for newcomers:
- Protects personal belongings against common risks
- Covers items temporarily away from home (e.g., lost camera during vacation)
- Offers financial protection if you damage someone else's property
- Affordable policies that fit different budget needs
- Provides liability coverage for unexpected incidents
How to apply:
- Visit official website to learn more
5. RBC Life Insurance
Category: Financial Service
RBC Life Insurance offers comprehensive insurance solutions for newcomers to Canada, providing critical financial protection for individuals and families. Their flexible insurance options help new immigrants safeguard their financial future and protect their loved ones.
What newcomers need to know:
- Three types of life insurance available: term life, permanent life, and personal accident
- Insurance coverage accessible for RBC clients
- Affordable insurance options to protect yourself and your family
- Personal insurance coverage including life, health, and travel insurance
- Advisors available to help complete insurance applications
Benefits for newcomers:
- Easy application process with insurance advisors
- Comprehensive insurance coverage options
- Retirement investment solutions
- Personalized insurance advice
- Protection for family financial security
How to apply:
- Visit official website to learn more
6. Scotiabank Travel Insurance
Category: Financial Service
Scotiabank Travel Insurance provides comprehensive protection for Canadians traveling both within and outside the country. This flexible insurance option offers peace of mind for newcomers by covering unexpected medical emergencies, trip disruptions, and potential travel-related risks.
What newcomers need to know:
- Coverage includes emergency medical, trip cancellation/interruption, and travel accident insurance
- Specific coverage depends on credit card type or purchased plan
- Benefits typically require travel expenses to be charged to a Scotiabank card
- Available for single trips and multi-trip travel
- Offers options for traveling within Canada and internationally
Benefits for newcomers:
- Comprehensive medical emergency coverage
- Protection against trip cancellation and interruption
- Flexible plans for different types of travel
- Options for top-up insurance
- Ability to get quick insurance quotes online
How to apply:
- Visit official website to learn more
Life and Disability Insurance
7. Manulife Disability Insurance
Category: Financial Service
Manulife Disability Insurance provides critical financial protection for individuals who may become unable to work due to illness or injury. This insurance offers a valuable safety net for newcomers to Canada, helping to replace income and cover essential expenses during challenging times.
What newcomers need to know:
- Personal Accident Disability Insurance can help cover living expenses
- Monthly payments are available if you become disabled
- Can replace a portion of your lost income
- Covers out-of-pocket hospital and medical costs
- Applicable for various types of disabilities and health conditions
Benefits for newcomers:
- Provides monthly financial support during disability
- Helps cover living expenses when unable to work
- Offers additional income replacement
- Covers hospital and convalescence costs
- Payable in addition to other existing coverage
How to apply:
- Visit official website to learn more
8. BMO Home and Auto Insurance Bundle
Category: Financial Service
While BMO offers various insurance products, they do not currently provide home and auto insurance bundles directly. New immigrants should be aware that they will need to explore alternative insurance providers for comprehensive home and auto coverage.
What newcomers need to know:
- BMO offers life, health, and travel insurance, but not home or auto coverage
- To bundle home and auto insurance, consider providers like TD Insurance or belairdirect
- Bundling insurance can provide significant savings for newcomers
- Compare quotes from multiple providers to find the best rates
- Some insurers offer specific discounts for bundling policies
Benefits for newcomers:
- Potential discounts of up to 15-20% on combined policies
- Single deductible option for claims involving both home and auto
- Streamlined billing with one payment and renewal schedule
- Ability to bundle insurance for yourself, spouse, and children
- Some providers offer additional savings for new customers
How to apply:
- Visit official website to learn more
9. Canada Protection Plan Life Insurance
Category: Financial Service
Canada Protection Plan (CPP) offers specialized life insurance solutions for individuals who may face challenges obtaining traditional life insurance, particularly newcomers with pre-existing health conditions or those seeking a quick, medical-exam-free application process. Their unique approach provides accessible life insurance options designed to meet diverse needs and protect families.
What newcomers need to know:
- Offers no-medical and simplified-issue life insurance options
- Provides both term and permanent life insurance products
- Designed for individuals with pre-existing health conditions
- No mandatory medical examination required
- Tailored insurance plans based on individual health status
Benefits for newcomers:
- Quick and simplified application process
- Coverage available for individuals with health challenges
- Flexible insurance product options
- Protection for family financial security
- Accessible insurance solutions without extensive medical screening
How to apply:
- Visit official website to learn more
Specialized Newcomer Insurance
10. RBC Super Visa Insurance
Category: Financial Service
RBC Super Visa Insurance provides crucial emergency medical coverage for parents and grandparents visiting Canada. This specialized insurance helps newcomers' families meet government requirements and ensure comprehensive healthcare protection during their stay.
What newcomers need to know:
- Must have at least $100,000 in health insurance coverage for super visa application
- Covers emergency medical and dental expenses
- Valid for immigrant, foreign student, or visitor to Canada
- Insurance is subject to maximum coverage limits
- Requires valid government health plan coverage
Benefits for newcomers:
- Emergency medical coverage
- Dental coverage included
- Protection for visitors, immigrants, and foreign students
- Flexible travel insurance packages
- Medical insurance for trip duration
How to apply:
- Visit official website to learn more
11. TD Life Insurance for Newcomers
Category: Financial Service
TD Life Insurance offers specialized coverage for newcomers to Canada, providing financial protection and peace of mind for immigrants establishing their new life in the country. This service helps newcomers secure life insurance protection tailored to their unique needs as new residents.
What newcomers need to know:
- Must be a Canadian citizen or Canadian resident to be eligible
- Coverage available from $5,000 to $10 million
- Premium based on factors like coverage amount (e.g., $250,000 plan)
- Eligibility depends on age requirements
- Non-Canadian citizens can still apply with proper documentation
Benefits for newcomers:
- Easy application process for new residents
- Flexible coverage options
- Medically lenient policy terms
- Financial protection for new immigrants
- Supports financial stability for newcomer families
How to apply:
- Visit official website to learn more
12. Manulife International Student Health Insurance
Category: Financial Service
Manulife International Student Health Insurance provides comprehensive medical coverage for international students studying in Canada. This essential insurance plan offers crucial protection against unexpected medical expenses, ensuring students can focus on their education with peace of mind.
What newcomers need to know:
- International students studying in Canada require private health insurance
- Coverage includes emergency and non-emergency medical services
- Up to $2 million in medical coverage available
- Option for up to $10,000 in Accidental Death & Dismemberment (AD&D) coverage
- One medical exam included in the plan
Benefits for newcomers:
- Covers hospital services
- Includes dental coverage
- Emergency medical assistance available
- Toll-free support: 1-877-331-3134 (USA and Canada)
- Flexible coverage for international students
How to apply:
- Visit official website to learn more
Final Words
Navigating insurance as a newcomer requires careful research and strategic planning. Leverage professional advice, compare multiple providers, and prioritize comprehensive coverage that protects your health, property, and financial future. Remember that investing time in understanding insurance now can save significant challenges and expenses down the road.
About the author
Frequently Asked Questions: Insurance Requirements for Newcomers in Canada | November 2025
What are the best health insurance options for newcomers to Canada in 2025?
Manulife Private Health Insurance offers comprehensive coverage specifically designed for newcomers, providing essential medical protection during your initial settlement period.
How do I apply for visitor insurance as a new immigrant in Canada?
Sun Life Visitor Insurance provides straightforward application processes with flexible plans that cover medical emergencies and unexpected health situations for newcomers.
Which tenant insurance is most recommended for newcomers: TD or Desjardins?
TD Insurance Tenant Insurance offers affordable and comprehensive protection for newcomers renting their first home in Canada, covering personal belongings and liability.
What life insurance benefits should newcomers consider when arriving in Canada?
RBC Life Insurance provides tailored life insurance packages that help newcomers protect their family's financial future with flexible terms and affordable premiums.
What types of home insurance do immigrants need when buying property in Canada?
Desjardins Home Insurance offers comprehensive coverage for new homeowners, protecting against property damage, theft, and liability with specialized plans for newcomers.