Montreal Healthcare,Built for Students

RAMQ is Quebec’s public health insurance plan. If you’re eligible (e.g., Quebec resident or from certain countries with agreements), it covers most medically necessary doctor visits and hospital care. University insurance is a private plan provided through your school (such as McGill, Concordia, or UQAM). It usually covers services RAMQ may not fully cover, such as dental, vision, prescription drugs, and sometimes travel insurance. Some students have one. Some have both. Sources: Régie de l’assurance maladie du Québec (RAMQ) – Health Insurance Plan RAMQ – Services Covered / Not Covered McGill Studentcare / Concordia Studentcare / ASEQ (UQAM Student Insurance)

Most students are automatically enrolled in their university’s health and dental plan unless they opt out within a specific deadline. International students are usually required to have university insurance unless they qualify for RAMQ through a reciprocal agreement. Quebec residents with RAMQ can often opt out of the health portion but may still be enrolled in dental coverage. Always check your university’s student services page to confirm your specific coverage and deadlines. Sources: McGill Studentcare Concordia Studentcare ASEQ – UQAM Student Insurance RAMQ – International Student Eligibility

Ambulances are not fully covered by RAMQ. In Quebec, an ambulance typically costs around $125–$150 for the base fee, plus additional charges depending on distance. Private insurance or university insurance may reimburse part of the cost. If it’s a life-threatening emergency, always call 911 - do not hesitate because of cost. Sources: Government of Quebec – Pre-hospital Emergency Services RAMQ – Services Not Covered Quebec Ministry of Health and Social Services (MSSS)

911 is for emergencies. Call 911 if someone is in immediate danger or needs urgent medical attention (e.g., chest pain, severe injury, difficulty breathing). 811 is a free, non-emergency health line in Quebec. You can speak to a nurse for advice about symptoms, next steps, or whether you need to go to a clinic or hospital. When in doubt but not in danger, call 811 first. Sources: Government of Quebec – Info-Santé 811 Quebec Ministry of Health and Social Services (MSSS) Public Safety Canada – Emergency Services