Inpatriate Solutions


Insurance coverage for foreigners studying or working in Canada

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Coverage in Canada

Student Offerings

Comprehensive coverage and a seamless student experience for international and national students completing studies in Canada.

  • Pay direct health and dental student ID card
  • Simplified online enrolment
  • Easy plan administration and student access
  • Online claim submission for students and healthcare providers
  • Preferred provider network of on-campus clinics and virtual healthcare
  • Case management for high-dollar and complex claims
  • Cost containment strategies

Foreign Workers

Gap insurance for employees and their families awaiting integration into provincial government health plans.

  • Harmonizes coverage with existing domestic group benefits plans
  • Offers a seamless experience for employees working in Canada for short periods
  • Single and family coverage

The Embassy Program (Consulate and Ministry Authority)

Comprehensive healthcare coverage for diplomatic representatives, their family members, and parents of diplomats while in Canada.

  • In-house administration and claims adjudication services
  • Offerings include core coverage based on province of residence with enhancement options
  • No medical underwriting
  • Higher termination age threshold than industry standard
  • Executive administration services
  • Expert guidance on navigating the public Canadian healthcare landscape

Seasonal Agricultural Workers' Programs (SAWP)

Working directly with consulates and liaison services, we offer seasonal agricultural workers provincial plan replacement and supplemental health benefits.

  • Protects the health and well-being of temporary foreign workers coming to Canada
  • Includes provincial plan replacement coverage based on your province of residence

Agricultural Worker Health Plan (Government-Sponsored)

Plans for agricultural workers arriving in Canada under the government-sponsored agricultural stream.

  • Comprehensive coverage includes life, AD&D, short-term disability, and supplemental coverage
  • Typical contract term: six months to two years
  • Daily rates apply, single coverage only

Foreign Entry-Level Workers

Coverage for foreign entry-level workers who require provincial replacement coverage, including prescription drug coverage, while working in Canada.

  • Employer-sponsored plans for seasonal workers not qualified for provincial health coverage
  • For seasonal employees; duration of stay less than 6 months
  • Daily rates apply, single coverage only

Global solutions

For multinational employers with operations in Canada

Coordinating and delivering locally appropriate and benchmark-specific international benefits programs compliant in the countries where you do business.

  • Global benefits management
  • Full global benefits audit and data management
  • Global consulting
  • Asinta network partner
As part of our commitment to keeping your data secure, Cowan is a certified SOC 2 Type I ( compliant provider.

As part of our commitment to keeping your data secure, Cowan is a certified SOC 2 Type I ( compliant provider.