Insurance and health care for international students

The RAMQ insurance plan is free, with the fees being covered in the agreement between your country and Québec. As a general rule, there are not usually any fees to pay when receiving care at a hospital or clinic. However, if fees are charged, follow the procedure outlined on the RAMQ website for requesting reimbursement.

Your health insurance card will usually have the same expiration date as your CAQ. If it does not cover the full duration of your study program, you must renew your subscription to the RAMQ plan and provide proof to ÉTS.

The RAMQ is always able to verify whether you are still studying full time or participating in a co-op work term, as planned when you registered. If you do not respect these conditions, you may lose your eligibility and be required to reimburse the RAMQ for covered services received during the year.

Change of address and stay outside Quebec

If you move, you must keep your address up to date throughout the period when you are covered by the Québec health insurance plan, especially in order to receive renewal notices. You must enter your change of address information online.

It is also important to remember that you must inform the RAMQ if you leave Québec for more than 21 consecutive days (excluding the day of departure and the day of return). If you do not respect these conditions, you may lose your eligibility and be required to reimburse the RAMQ for covered services received during the year.

1. Obtain, fill out and sign the proof of insurance or certificate of affiliation with the health insurance plan from your country.

Bring the original of this document with you to Québec. For example:

• Regular programs: SE-401-Q-102
• Exchange, double-degree and joint programs: SE-401-Q-106
• Laboratory internships: SE-401-Q-104

2. Gather all the necessary documents:

• Passport and another ID card with photo
• The completed document confirming your coverage under your country’s social security plan
• Proof of enrollment at ÉTS:
  • SE-401-Q-102: Attestation d’inscription officielle (Official registration certificate) available at the service counter of the Registrar's Office at the beginning of the session;
  • SE-401-Q-106: Relevé d’inscription-facturation (Registration-invoicing statement) available in your MonÉTS portal;
  • Persons coming from a signatory country other than France: Official registration certificate available at the service counter of the Registrar's Office at the beginning of the session.
• The original Québec Acceptance Certificate (CAQ) (for a stay of more than 6 months)
  • Since March 15, 2023, the MIFI no longer issues printed copies of the CAQ. When your CAQ is approved, an Attestation of issuance of your CAQ for studies will be deposited in your online file.
• The original of youy study permit or other document issued by the Canadian immigration authorities.
  • If you are studying for less than 6 months and are exempt from having a study permit, include the photo page of your passport.

3. Register for RAMQ health insurance once in Montréal

• Read and follow the RAMQ registration procedure;
• International students and research interns can complete their registration online even if they are accompanied by family members (e.g. spouse, children). To do so, you will need a scanned copy of all required documents;
• If you are not eligible to complete your registration online, you will need to schedule a telephone appointment with the RAMQ;
• Appointments are added early each morning from Monday through Friday;
• Have a postal address in Montréal. Commercial addresses (hotel, youth hostel, university, etc.) are not accepted.

New students (first enrolment)

All international students are automatically billed for and covered by the Desjardins group insurance plan, even if they are eligible for the RAMQ. The premium to be paid is indicated on your Registration Statement/Invoice, which is available via your MonÉTS portal. The fees will be cancelled or reimbursed for students who present proof of enrolment in the RAMQ (letter of approval or card) to assurances.etrangers@etsmtl.ca before the following deadlines, which correspond to the first day of the last month of each session.

• Fall session: December 1^st
• Winter session: April 1^st
• Summer session: August 1^st

After this date, the Registrar’s Office will not authorize the cancellation or reimbursement of fees for the ongoing session, or of any penalties incurred (as applicable). Considering the fact that processing times at the RAMQ may extend to several weeks, and may also be delayed in the case of missing documents, we encourage you to begin the process as soon as possible after arriving in Montréal.

Returning students (renewal)

Your RAMQ card may not cover you for the entire duration of your study program or, as is the case with your CAQ and your study permit, you may have to apply for a renewal. In such a case, follow the procedure described on the page entitled Renew a Health Insurance Card.

It is important to begin the process as early as possible in order to be able to provide your new proof of enrolment to the Registrar’s Office, at assurances.etrangers@etsmtl.ca, before your current card expires. If proof of enrolment is not received by the established deadline, ÉTS will be forced to add the Desjardins group insurance plan to your file. The annual premium to be paid will be indicated on your Registration Statement/Invoice. Please note that, upon presentation of proof of enrolment in the RAMQ after the deadline, you may be reimbursed for the subsequent months, but not for any months that have ended or the ongoing month.

Exemple:
Your RAMQ card expires on August 31. The annual insurance fees of $900 are added to your file on September 2. You receive your new RAMQ card on November 10 and submit it to the Registrar& rsquo;s Office, which may reimburse you for the subsequent months, namely December to August, but not the $225 incurred for the months of September, October and November. In this case, the amount of your reimbursement would be $675.

Dental insurance allows you to be reimbursed for between 70% and 100% of dental care fees. Consult the ASEQ dental insurance section (in French) for more information concerning the extent of your insurance coverage and to request reimbursement. The coverage period runs from September 1 to August 31 of the following year.

This insurance is optional, but is automatically invoiced to your file, with the exception of those who are registered in an exchange program (0469, 4023).

Attention! You can withdraw from this coverage directly through the ASEQ (in French) before the deadline, which is approximately 30 day after the beginning of the semester. Your coverage cannot be changed during a later semester. In other words, if you withdraw during the Fall session, you cannot enrol again for the Winter semester, and the Summer semester is invoiced during the winter.

International students who are covered by the RAMQ plan can register for ASEQ health, vision and travel insurance (in French), which is optional. Depending on the option selected, this insurance entitles you to overage for specialized health care (e.g.: dietician, osteopath, etc.), certain medications, vision care, vaccines and psychological services.

To register for this insurance, contact ASEQ (in French) within 30 days following your enrolment with the RAMQ. The fees will be added directly to your ÉTS invoice.

If you are covered by Desjardins

The Desjardins insurance plan includes coverage outside of Québec, and offers a travel assistance service. However, you are strongly encouraged to contact Desjardins before travelling outside of the country to verify and validate the conditions in case of emergency.

If you are covered by the RAMQ

It is crucial that you consult the RAMQ website to learn about the conditions and procedures for being reimbursed for medical fees incurred outside of Québec. Contact the RAMQ directly to determine whether it better to obtain private travel insurance in order to avoid unpleasant surprises and expensive bills. If necessary, compare the rates offered by the various companies (e.g.: ASEQ travel insurance – in French).

If you are covered by Desjardins

The Desjardins insurance plan includes a repatriation guarantee in the event of complex and continuous care or in the event of death in Canada. Therefore you do not have to take out additional insurance to cover this component.

If you are covered by the RAMQ

The RAMQ does not cover repatriation in the case of invalidity, emergency or death. If you want to take out this type of coverage, please contact a private insurance provider.

Whether you are a full-time or part-time student, you are covered in the case of an accident that occurs while you are on the ÉTS campus or while travelling between ÉTS and your place of residence. Contact the Prevention and Safety Office immediately in the case of an accident.

By telephone

• From the ÉTS campus: extension 8900;
• From outside the ÉTS campus or from the residences: 514-396-8900;
• In case of emergency (from internal extensions only): dial 55.

In person

Go to Pavilion A (1100 Notre-Dame Street West), Room A-0110. In case of emergency dial: 911

After an intervention

After an intervention, Security Officers will prepare an accident report that can be used as a supporting document for any requests from the insurer.

To file a claim with the insurer, you must send the duly completed claim form and the required supporting documents within 90 days following the accident.

If an emergency occurs while on campus, dial 55 from any internal telephone to contact the Security Department (Pavilion A, Room A-0110) at any time.

If you or someone near you requires emergency assistance: Dial 911

This number will connect you directly to the fire department, the ambulance service and the police, and the dispatcher will assign the proper resources depending on the nature of your emergency.

ATTENTION! Only use this number in case of an emergency. Otherwise, you may be subject to a fine. Transportation by ambulance is not a free service, and the individual who is transported to a hospital is usually responsible for paying the costs at a later date.

Go to the emergency department

If you are able to travel, go to the emergency department of the hospital closest to you. Consult the list of hospitals (in French). Hospital emergency departments are open 24 hours per day throughout the year.

ATTENTION! Emergency departments are often crowded, and waiting times may be long. It is important to only go there if there is a real need. Non-emergency medical care.

If you need to consult a medical professional for a health problem that is not considered to be urgent, there are a variety of options available.

Consultation by telephone | Info-santé 811

This telephone service is free, confidential and accessible 24 hours per day, 7 days per week. When you call 811, you will speak to a nurse, who can give you advice and answer your questions. The nurse can direct you to the proper resources near you (e.g.: clinics that do not require an appointment).

Consult a pharmacist

For minor health issues or questions concerning prescription medications or over-the-counter products, you can go to a pharmacy near you and speak directly with a pharmacist. To learn more about the free services available at pharmacies, consult the Santé Montréal website.

Make a medical appointment

If you require a medical appointment, there are various types of clinics where you can obtain health care: centres locaux de services communautaires (CLSC – local community health service centres), family medical groups, private clinics and hospitals.

Visit the health-wellness portal and enter your postal code to find the resource closest to you. Carefully read the procedures for each clinic for making an appointment or for access without an appointment.

ATTENTION! If you are covered by the Desjardins insurance plan, only certain clinics (PDF – in French) offer medical consultations free of charge. You must have your ÉTS student card, your Desjardins insurance card and the form with you. If you make an appointment somewhere else, you may have to pay the required fees and then request reimbursement later. Click on the Desjardins insurance tab for full details.

Make an appointment online (RAMQ only)

The Bonjour-santé application is a paid service ($18.95 per appointment) that allows you to make a medical appointment online within the coming hours.

If you are experiencing difficulties in your personal or academic life, please do not hesitate to contact the professionals who can assist you.

A variety of free and confidential resources are available, both internally and externally.