Social security agreement
Canada and Finland have concluded a social security agreement which covers national and survivors´ pensions, but not medical care. Finland also has a social security arrangement with the Province of Quebec. Under the agreement, certain categories of people are entitled to medical services in Quebec. Read more about medical care in the Province of Quebec.
Healthcare and medical care
Healthcare services are extremely expensive for people travelling to Canada on a temporary basis. A doctor´s appointment alone can cost over a hundred Canadian dollars, and hospital expenses can rise to several thousand Canadian dollars. Thus, when travelling to Canada you should take out comprehensive travel insurance.
Canada has a national health insurance program which aims to ensure that everyone has reasonable access to medically necessary healthcare services. Persons covered by Canada´s health insurance program have access to services on a prepaid basis, but those staying in the country on a temporary basis pay the full rate for services.
In general, healthcare services in Canada are excellent and, for example, the services of specialists and laboratories are widely available. The referral of a general practitioner is required if you want to consult a specialist, and it can sometimes be difficult to get an appointment quickly and smoothly if you are not covered by the national health insurance program. You can get treatment faster at a private medical centre. You may have to pay for the visit yourself first, even if you have taken out travel insurance.
If you are health insured in Finland, and have received treatment in some other country than an EU or EEA country or Switzerland on account of a sudden illness, worsening of a chronic condition, pregnancy or childbirth, you can apply for reimbursement from Kela retrospectively. You are entitled for the same reimbursement that you would have received if you had been treated in the private healthcare system in Finland. Please note that the reimbursement usually covers only a small part of the costs of the treatment. Thus, taking out a comprehensive travel insurance is recommended.