Quebec winters push many people south — Mexico, Florida, the Caribbean — or back to their home country for the holidays. Before you book, one thing must be clear: your RAMQ card does not protect you the way it does in Quebec once you cross the border.
What RAMQ really covers abroad. According to the Government of Quebec, when you receive care outside Quebec, the Régie reimburses only part of the cost, at the rates that apply in Quebec — often far below the real price elsewhere. A hospital stay in the United States can cost thousands of dollars; the reimbursement stays at the Quebec rate. The Government of Quebec therefore recommends taking out private insurance before departure.
Medications are not reimbursed. Another often-forgotten point: the public plan does not cover prescription drugs bought outside Quebec. Travel insurance that includes medications fills that gap.
The 183-day rule. To stay eligible for health insurance, a person living in Quebec must be present in the province 183 days or more per calendar year. If you plan a long absence, inform RAMQ before leaving to find out whether your coverage is maintained.
Careful if you're a temporary resident. Absence rules are stricter for certain statuses. Check your specific situation with RAMQ rather than assuming the general rule applies to you.
How travel insurance works. It reimburses the portion RAMQ does not pay: emergency care, ambulance transport, repatriation. You can buy it from an insurer, often through your bank, or check whether your credit card includes coverage (read the conditions and the covered duration carefully).
Good to know for newcomers. Buy the insurance before leaving Quebec, not at the destination airport. Declare your existing health conditions honestly — an omission can void a claim. And keep your insurer's card, with the emergency number, in your wallet for the whole trip.
