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.

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. Make an appointment at the RAMQ as soon as you arrive:

• By telephone: 1-877-992-5233
• Online (Fall semester only)

3. Go to the RAMQ in person and bring the required documents:

• Passport and another piece of identification with photo (e.g.: student card);
• Original of your CAQ;
• Duly completed social security form certified by the social security authority from one of the previously mentioned countries and signed by the home institution, as applicable;
• Attestation of full-time studies from ÉTS;
• Proof of appointment (Fall semester only).

Other requirements:

• Have a postal address in Montréal. Commercial addresses (hotel, youth hostel, university, etc.) are not accepted.
• Bring $12 to pay for the photograph to be taken on site (not refundable).

4. Submit your proof of eligibility to ÉTS

E-mail or dsubmit your card or letter of eligibility for the RAMQ plan to the Registrar’s Office before the deadline for changes with refund (consult the Academic Calendar).

ATTENTION! New students who have not submitted their proof of eligibility by September 30 (Fall semester), January 30 (Winter semester) or May 30 (Summer semester) must pay the fees for the Desjardins insurance plan for the current session. If you present your card later during the session, you may be reimbursed for the coming months, but not for the preceding months. To rectify your situation, write to assurances.etrangers@etsmtl.ca.

During the renewal period

If your RAMQ card expires and you do not present your new card to the Registrar’s Office, you will be invoiced for the fees for the Desjardins insurance plan for the current session within the next week.

If you move, you must inform the RAMQ and the various government departments in Québec and outside of Québec. 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.

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 for an exchange program lasting less than six months (ECH1).

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

La RAMQ ne couvre pas le rapatriement en cas d’invalidité, d’urgence ou de décès. Si vous souhaitez souscrire à une couverture de ce type, vous devrez contracter une assurance privée complémentaire. 

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 rue Notre-Dame Ouest), 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.