Quebec City Travel Insurance
Everything you need to know before your trip
Healthcare Cost Level
Free Reciprocal
Avg. ER Visit
$1,000-$3,000 (ER visit)
Recommended Coverage
$100,000
Evacuation Risk
Low
Healthcare in Quebec City
What to expect if you need medical care
Quebec City benefits from Canada's public healthcare system, but it does not cover foreign visitors. A trip to the emergency room can easily cost $1,000 or more, and a hospital stay runs $3,000 to $5,000 per day without provincial health coverage. Ambulance fees can be $500 to $800 depending on the province. While the quality of care is high, you will be expected to pay upfront or show proof of insurance before receiving non-emergency treatment.
Reciprocal Healthcare Available
Citizens of AT, BE, BG, HR, CY, CZ, DK, EE, FI, FR, DE, GR, HU, IS, IE, IT, LV, LI, LT, LU, MT, NL, NO, PL, PT, RO, SK, SI, SE, CH, GB may have partial coverage through reciprocal agreements.
Canada has limited reciprocal healthcare agreements. Most foreign visitors are not covered by provincial health insurance and pay out of pocket
What Your Policy Should Cover
Country-specific considerations for Quebec City
Your Quebec City policy should cover the outdoor activities this region is known for. If you are hiking, snowshoeing, or skiing, confirm coverage for search and rescue operations, which can be very expensive in remote Canadian wilderness. Water activities on lakes and rivers may need specific coverage. Winter driving conditions can lead to accidents far from medical facilities, so confirm emergency evacuation coverage is included. Wildlife encounters are rare but possible in rural areas.
Heat Exhaustion/heat Stroke
Moderate Risk
Peak: summer
Sunburn And Uv Exposure
Moderate Risk
Peak: year-round
Jellyfish Stings
Low Risk
Peak: summer
Activity-Specific Coverage
Winter Sports And Wilderness: Confirm coverage for skiing, snowshoeing, and remote wilderness rescue
Water Sports: Confirm coverage for jet skiing, parasailing, and diving activities
Running Of The Bulls: Often excluded from standard policies as extreme sport
How Much Coverage Do You Need?
Our recommendation based on Quebec City's healthcare costs
The recommended $50,000 coverage reflects Canadian healthcare costs for uninsured visitors. An ER visit typically costs $1,000 to $3,000, hospital stays run $3,000 to $5,000 per day, and ambulance fees are $500 to $800. While care quality is excellent, foreign visitors are not covered by provincial health plans and pay full price.
Minimum
$50,000
Basic emergencies only
Recommended
$100,000
Full protection
Making a Claim in Quebec City
Tips for smooth claims processing
Documentation Required: Medical reports, receipts, proof of travel, police report if applicable for theft/accidents
- Keep all medical reports and receipts (recibos) from Spanish healthcare providers, as these are essential for claims processing—documentation requirements are straightforward in Quebec City
- If you experience theft or accidents requiring police involvement, obtain a 'denuncia' (police report) immediately, as insurers commonly request this documentation
- Save proof of your travel dates, including boarding passes and accommodation confirmations, to support your claim timeline
- Keep all receipts and medical records. Canadian hospitals provide detailed billing that your insurance company will need for claim processing
- Claims processing in Quebec City is generally easy, but submit documentation promptly while details are fresh and all receipts are organized
Get Covered for Quebec City
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