{"id":57712,"date":"2021-10-01T12:00:00","date_gmt":"2021-10-01T12:00:00","guid":{"rendered":"https:\/\/www.rbcroyalbank.com\/en-ca\/my-money-matters\/life-events\/new-to-canada\/settling-in-canada\/navigating-canadas-health-care-system-while-you-wait-for-your-health-card\/"},"modified":"2024-01-23T11:01:12","modified_gmt":"2024-01-23T16:01:12","slug":"navigating-canadas-health-care-system-while-you-wait-for-your-health-card","status":"publish","type":"rbc_my_money_matter","link":"https:\/\/www.rbcroyalbank.com\/en-ca\/my-money-matters\/life-events\/new-to-canada\/settling-in-canada\/navigating-canadas-health-care-system-while-you-wait-for-your-health-card\/","title":{"rendered":"Settling in Canada: Navigating Canada&#8217;s Healthcare System While You Wait for Your Health Card"},"content":{"rendered":"<div class=\"wp-block-rbc-single-article-header\">\n\t<section class=\"section-grey cover pad-t-hlf\">\n\t\t<div class=\"section-inner w-half w-mob-full centered-margin cover section-grey pad-tb-0\">\n\t\t\t\t\t\t\t<div class=\"inline-block pill-container pill-taxonomies\">\n\t\t\t\t\t<div class=\"mar-b-hlf mob-mar-b snipe pill is-style-blue-pill\">\n\t\t\t\t\t\t<a class=\"primary-taxonomy\" href=\"https:\/\/www.rbcroyalbank.com\/en-ca\/my-money-matters\/topic\/community\/\">\n\t\t\t\t\t\t\t<span>Community<\/span>\n\t\t\t\t\t\t<\/a>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t<h1 class=\"mar-b-hlf mar-t-0 mob-pad-lr-hlf h2 has-black-color\">Settling in Canada: Navigating Canada&#8217;s Healthcare System While You Wait for Your Health Card<\/h1><p class=\"mar-b-0 mob-pad-lr-hlf author-text\">By Nancy Ripton<\/p>\t\t\t\t\t<div class=\"featured-image-wrapper pos-rel\">\n\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"930\" height=\"620\" src=\"https:\/\/www.rbcroyalbank.com\/en-ca\/wp-content\/uploads\/sites\/12\/2023\/09\/Thumbnail-default-Health-care_System_402x-2-1.jpg?quality=80\" class=\" cover-image  wp-post-image\" alt=\"\" srcset=\"https:\/\/www.rbcroyalbank.com\/en-ca\/wp-content\/uploads\/sites\/12\/2023\/09\/Thumbnail-default-Health-care_System_402x-2-1.jpg 930w, https:\/\/www.rbcroyalbank.com\/en-ca\/wp-content\/uploads\/sites\/12\/2023\/09\/Thumbnail-default-Health-care_System_402x-2-1.jpg?resize=300,200 300w, https:\/\/www.rbcroyalbank.com\/en-ca\/wp-content\/uploads\/sites\/12\/2023\/09\/Thumbnail-default-Health-care_System_402x-2-1.jpg?resize=768,512 768w\" sizes=\"auto, (max-width: 930px) 100vw, 930px\" \/>\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t<\/section>\n\t<div class=\"article mar-t-dbl\">\n\t\t\t\t<section>\n\t\t\t<div class=\"section-inner socials-section\">\n\t\t\t\t<div class=\"top-socials-bar mob-mar-b-hlf\">    <div class=\"social-links mob-mar-b-hlf mob-mar-t-hlf\">\n            <a class=\"social-button-wrapper sharing-custom sharing-email\" href=\"mailto:?subject=Settling in Canada: Navigating Canada&#8217;s Healthcare System While You Wait for Your Health Card &#038;body=Hi, I thought you might be interested in this article from RBC My Money Matters: https:\/\/www.rbcroyalbank.com\/en-ca\/my-money-matters\/life-events\/new-to-canada\/settling-in-canada\/navigating-canadas-health-care-system-while-you-wait-for-your-health-card\/\">\n        <img decoding=\"async\" src=\"https:\/\/www.rbcroyalbank.com\/en-ca\/wp-content\/plugins\/rbc-blocks\/assets\/img\/icons\/icon-email.svg\"\n          alt=\"envelope icon\">\n        <span>\n          Email        <\/span>\n      <\/a>\n      <div class=\"social-button-wrapper sharing-copy-wrapper\">\n        <button class=\"sharing-custom sharing-copy\" data-url=\"https:\/\/www.rbcroyalbank.com\/en-ca\/my-money-matters\/life-events\/new-to-canada\/settling-in-canada\/navigating-canadas-health-care-system-while-you-wait-for-your-health-card\/\">\n          <img decoding=\"async\"\n            src=\"https:\/\/www.rbcroyalbank.com\/en-ca\/wp-content\/plugins\/rbc-blocks\/assets\/img\/icons\/icon-related.svg\"\n            alt=\"copy icon\">\n          <span id=\"sharing-copyUrl-Label\">\n            Copy URL          <\/span>\n        <\/button>\n        <input type=\"text\" class=\"sharing-copy-text\" aria-labelledby=\"sharing-copyUrl-Label\">\n      <\/div>\n    <\/div>\n  <\/div>\n\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section>\n\t\t\t<div class=\"section-inner w-half w-mob-full centered-margin pad-tb-0 mob-mar-t-hlf mob-mar-b\">\n\t\t\t\t<p class=\"cover-pub-line text-xs mar-b-hlf\">Published October 1, 2021 \u2022 5 Min Read<\/p>\t\t\t<\/div>\n\t\t<\/section>\n\t<\/div>\n<\/div>\n\n\n\n<section class=\"wp-block-rbc-section-block  pos-rel\" style=\"border-radius:0px\">\n<div class=\"wp-block-rbc-section-inner-block  section-inner w-half w-mob-full\" style=\"border-radius:0x\">\n<p>You&#8217;ve applied for your public health card, but what do you do if a health issue arises in the meantime? Most provinces require three months of residency before healthcare coverage becomes active. While most individuals will still be covered in the case of extreme medical emergencies, a visit to the emergency room or walk-in clinic could cost you hundreds or even thousands of dollars.<\/p>\n\n\n\n<p>Here&#8217;s how to handle the gap period between applying for a public health card and seeing your coverage actually take effect.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Consider gap insurance while you wait<\/h2>\n\n\n\n<p>\u201cThe ministry encourages the purchase of private health insurance for new immigrants who must serve a waiting period,&#8221; says David Jensen, spokesperson for the Ontario Ministry of Health. \u201cThis insurance will cover you for any urgent health issues that may arise before your provincial coverage takes effect.&#8221;<\/p>\n\n\n\n<p>If you&#8217;re moving with a company, the first step is to find out if they provide coverage for you. When Heidi Nymann-Jensen moved to Canada from Denmark, her husband&#8217;s company provided insurance that covered any potential health situations from the moment her family landed in Canada. \u201cWe were fortunate,&#8221; says Nymann-Jensen. The added coverage from Martin&#8217;s company removed any fiscally related healthcare worries. \u201cWe simply had to fill out the forms at a Service Ontario office, and wait for our cards, knowing we were covered in the interim,&#8221; says Nymann-Jensen.<\/p>\n\n\n\n<p>For those who aren&#8217;t fortunate enough to have company insurance when coming to Canada, personal insurance is one option. \u201cIt can be very costly not to have coverage during those first few months,&#8221; says Brigitte Kent, Acting Executive Director of OmbudService for Life and Health Insurance (OLHI), an independent insurance complaint service provider. Ideally, you should apply for insurance prior to moving, she says, but if you wait until after arriving in Canada, make finding private insurance a priority in your first few days. If you don&#8217;t apply within the first five days of arrival, private insurance may be more difficult to obtain. Some insurance companies may suspect that you have a medical issue and are seeking insurance only to avoid the imminent fees.<\/p>\n\n\n\n<p>If you&#8217;re uncertain of where to look for insurance, OLHI works with 99 per cent of Canada&#8217;s health insurance companies. They have an <a href=\"https:\/\/www.olhi.ca\/insurance\/find-insurance-products\/\" target=\"_blank\" rel=\"noopener\">insurance finder<\/a> that lists all member companies. Simply scroll to \u201cexpatriates&#8221; for a list of companies that provide interim insurance.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Get free health advice by phone<\/h2>\n\n\n\n<p>Every province and territory offers free, confidential services anyone can call and receive free health advice or information. Registered nurses operate the phone lines 24 hours a day, seven days a week. For most provinces and territories, you dial 811 to be connected with a healthcare professional; Manitoba has <a href=\"http:\/\/www.wrha.mb.ca\/healthinfo\/healthlinks\/\" target=\"_blank\" rel=\"noopener\">Health Links<\/a>, and in Ontario, this system is known as <a href=\"https:\/\/www.ontario.ca\/page\/get-medical-advice-telehealth-ontario\" target=\"_blank\" rel=\"noopener\">TeleHealth<\/a>.<\/p>\n\n\n\n<p>The purpose of these health lines is not to diagnose illness, and the answering attendant cannot give out prescriptions. What they can do is help you decide if you can handle the problem yourself. For almost half of all calls, nurses are able to provide advice that allows the callers to handle the medical situation at home.<\/p>\n\n\n\n<p>However, in the other half of cases, the persons calling will still be required to seek medical advice from a doctor or to visit an emergency room.<\/p>\n\n\n\n<p>If you need to see a doctor from home, Maple is one telemedicine platform in Canada that can get you direct access to doctors via text message, phone or video chat \u2014 no appointment needed.<\/p>\n\n\n\n<div class=\"wp-block-columns has-border-color has-rbc-bright-blue-tint-1-border-color has-white-color has-rbc-bright-blue-tint-1-background-color has-text-color has-background is-layout-flex wp-container-core-columns-is-layout-9d6595d7 wp-block-columns-is-layout-flex\" style=\"border-width:1px\">\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\">\n<p class=\"has-white-color has-text-color\">Newcomer clients who start banking with RBC by October 30th can get access to one free online visit with a doctor through Maple for a limited time. <a href=\"https:\/\/www.rbc.com\/newcomers\/what-we-offer.html\">Learn More.<\/a> Conditions apply.<\/p>\n<\/div>\n<\/div>\n\n\n\n<h2 class=\"wp-block-heading\">Visit Free Clinics<\/h2>\n\n\n\n<p>If you find yourself in need of care, without insurance, and a health line suggests seeing a doctor, you can seek out community health centres (CHC) located across the country. \u201cOntario has some <a href=\"http:\/\/www.aohc.org\" target=\"_blank\" rel=\"noopener\">Community Care Health Centres<\/a> that provide a variety of health services, often for clients who do not have private insurance or OHIP coverage,&#8221; says Jensen.<\/p>\n\n\n\n<p>The names may vary from province to province, but every CHC strives to offer free health services most needed by their community members via a team of qualified health professionals. While most CHCs accept provincial insurance, they are also an option for those who need it and are waiting for provincial coverage.<\/p>\n\n\n\n<p>For those new to Canada, while there may be a three-month wait for residency before coverage becomes active, there are still healthcare options available during this period. If the need arises, seek out programs that are already in place, like free clinics, free health information lines, or plan ahead with gap insurance.<\/p>\n\n\n\n<div class=\"wp-block-columns has-border-color has-rbc-bright-blue-tint-1-border-color has-white-color has-rbc-bright-blue-tint-1-background-color has-text-color has-background is-layout-flex wp-container-core-columns-is-layout-9d6595d7 wp-block-columns-is-layout-flex\" style=\"border-width:1px\">\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\">\n<p class=\"has-white-color has-text-color\">Canada&#8217;s universal healthcare is a matter of pride for Canadians. When your Canadian coverage starts, you can cross &#8216;get health card&#8217; off of your settlement to-do list. In the meantime, see what <a href=\"https:\/\/www.rbc.com\/newcomers\/what-we-offer.html\">RBC can offer Newcomers to Canada<\/a> or <a href=\"https:\/\/www.rbcroyalbank.com\/dms\/enterprise\/newcomers\/offers.html#:~:text=Free%20Online%20Doctor%20Visit%20Through%20Maple&amp;text=Eligible%20newcomer%20clients%20who%20pay,used%20by%20February%2028%2C%202022.\">learn more about Maple.<\/a><\/p>\n<\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-columns has-border-color has-rbc-bright-blue-tint-1-border-color has-white-color has-rbc-bright-blue-tint-1-background-color has-text-color has-background is-layout-flex wp-container-core-columns-is-layout-9d6595d7 wp-block-columns-is-layout-flex\" style=\"border-width:1px\">\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\">\n<p class=\"has-white-color has-text-color\">Please visit the <a href=\"https:\/\/www.rbcroyalbank.com\/dms\/enterprise\/newcomers\/meeting-place.html\">RBC Newcomers Hub<\/a> for more useful advice on easing the transition of moving to Canada.<\/p>\n<\/div>\n<\/div>\n\n\n\n<p><\/p>\n\n\n\n<div class=\"wp-block-rbc-rbc-default-collapsible\"><p><button class=\"collapse-toggle collapsed\" data-target=\"#collapse834a1009\" data-toggle=\"collapse\" aria-expanded=\"false\" aria-controls=\"collapse834a1009\" data-dig-id=\"LP-57738-834a1009\" data-dig-category=\"LP\" data-dig-action=\"accordion closed\" action-closed=\"accordion closed\" action-opened=\"accordion open\" data-dig-label=\"Things our lawyers want you to know\"><span>Things our lawyers want you to know<\/span><span>Things our lawyers want you to know<\/span><\/button><\/p><div class=\"collapse-content collapse\" id=\"collapse834a1009\">\n<div class=\"wp-block-rbc-collapsible-inner-block collapse-inner\">\n<p>This article is intended as general information only and is not to be relied upon as constituting legal, financial or other professional advice. A professional advisor should be consulted regarding your specific situation. Information presented is believed to be factual and up-to-date but we do not guarantee its accuracy and it should not be regarded as a complete analysis of the subjects discussed. All expressions of opinion reflect the judgment of the authors as of the date of publication and are subject to change. No endorsement of any third parties or their advice, opinions, information, products or services is expressly given or implied by Royal Bank of Canada or any of its affiliates.<\/p>\n<\/div>\n<\/div><\/div>\n\n\n\t\n\t<div class=\"wp-block-tk-spacer id-fde2f0c1-d50a-46f3-9985-e6b0e8059e62\" aria-hidden=\"true\"><\/div>\n\t\n\n\n<p class=\"has-text-align-center h5 mar-b\"><strong>Share This Article<\/strong><\/p>\n\n\n\n\t\t<div class=\"socials-block\">\n\t\t\t    <div class=\"social-links mob-mar-b-hlf mob-mar-t-hlf\">\n            <a class=\"social-button-wrapper sharing-custom sharing-email\" href=\"mailto:?subject=Settling in Canada: Navigating Canada&#8217;s Healthcare System While You Wait for Your Health Card &#038;body=Hi, I thought you might be interested in this article from RBC My Money Matters: https:\/\/www.rbcroyalbank.com\/en-ca\/my-money-matters\/life-events\/new-to-canada\/settling-in-canada\/navigating-canadas-health-care-system-while-you-wait-for-your-health-card\/\">\n        <img decoding=\"async\" src=\"https:\/\/www.rbcroyalbank.com\/en-ca\/wp-content\/plugins\/rbc-blocks\/assets\/img\/icons\/icon-email.svg\"\n          alt=\"envelope icon\">\n        <span>\n          Email        <\/span>\n      <\/a>\n      <div class=\"social-button-wrapper sharing-copy-wrapper\">\n        <button class=\"sharing-custom sharing-copy\" data-url=\"https:\/\/www.rbcroyalbank.com\/en-ca\/my-money-matters\/life-events\/new-to-canada\/settling-in-canada\/navigating-canadas-health-care-system-while-you-wait-for-your-health-card\/\">\n          <img decoding=\"async\"\n            src=\"https:\/\/www.rbcroyalbank.com\/en-ca\/wp-content\/plugins\/rbc-blocks\/assets\/img\/icons\/icon-related.svg\"\n            alt=\"copy icon\">\n          <span id=\"sharing-copyUrl-Label\">\n            Copy URL          <\/span>\n        <\/button>\n        <input type=\"text\" class=\"sharing-copy-text\" aria-labelledby=\"sharing-copyUrl-Label\">\n      <\/div>\n    <\/div>\n  \t\t<\/div>\n\n\t\t\n\n\t\n\t<div class=\"wp-block-tk-spacer id-6fa6e8e8-9914-411b-ba72-c73dd3e7e816\" aria-hidden=\"true\"><\/div>\n\t\n\n\n\t\t\t<div class=\"wp-block-rbc-single-post-topics related-topics-links\">\n\t\t\t\t<p class=\"h5 mar-r-hlf\">Topics:<\/p>\n\t\t\t\t\t\t\t\t\t<a href=\"https:\/\/www.rbcroyalbank.com\/en-ca\/my-money-matters\/topic\/community\/\" class=\"btn topic mar-t-0 mar-r-qtr mar-b-hlf\">Community<\/a>\n\t\t\t\t\t\t\t\t\t<a href=\"https:\/\/www.rbcroyalbank.com\/en-ca\/my-money-matters\/topic\/physical-and-mental-health\/\" class=\"btn topic mar-t-0 mar-r-qtr mar-b-hlf\">Physical and Mental Health<\/a>\n\t\t\t\t\t\t\t<\/div>\n\t\t\t<\/div>\n<\/section>\n\n\n\n<section class=\"wp-block-rbc-section-block  pos-rel mob-pad-t-dbl\" style=\"border-radius:0px\">\n<div class=\"wp-block-rbc-section-inner-block  section-inner\" style=\"border-radius:0x\">\n<h2 class=\"wp-block-heading mar-b mob-mar-b-dbl mar-t-0\" id=\"h-read-this-next\">Read This Next<\/h2>\n\n\n\t\t\t<div class=\"related-posts-type-2\">\n\t\t\t\t<div class=\"related-post-list\">\n\t\t\t\t\t<ul class=\"grid-wpr eh-wpr\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<li class= 'grid-one-third grid-tb-full grid-mob-full mar-b'>\n\t\t\t\t\t\t\t\t\t\t<article class=\"col-wpr mar-b-0 mar-r-0 mar-l-0\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"postcard-img-ctr post-card-image col-md-12 col-xs-6 mob-mar-b-0 pad-l-0\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"576\" src=\"https:\/\/www.rbcroyalbank.com\/en-ca\/wp-content\/uploads\/sites\/12\/2025\/06\/Drive-Halifax-V-2.jpg?quality=80&amp;w=1024\" class=\"attachment-post-thumbnail size-post-thumbnail wp-post-image\" alt=\"The Drive Halifax\" srcset=\"https:\/\/www.rbcroyalbank.com\/en-ca\/wp-content\/uploads\/sites\/12\/2025\/06\/Drive-Halifax-V-2.jpg 3840w, https:\/\/www.rbcroyalbank.com\/en-ca\/wp-content\/uploads\/sites\/12\/2025\/06\/Drive-Halifax-V-2.jpg?resize=300,169 300w, https:\/\/www.rbcroyalbank.com\/en-ca\/wp-content\/uploads\/sites\/12\/2025\/06\/Drive-Halifax-V-2.jpg?resize=768,432 768w, https:\/\/www.rbcroyalbank.com\/en-ca\/wp-content\/uploads\/sites\/12\/2025\/06\/Drive-Halifax-V-2.jpg?resize=1024,576 1024w, https:\/\/www.rbcroyalbank.com\/en-ca\/wp-content\/uploads\/sites\/12\/2025\/06\/Drive-Halifax-V-2.jpg?resize=1536,864 1536w, https:\/\/www.rbcroyalbank.com\/en-ca\/wp-content\/uploads\/sites\/12\/2025\/06\/Drive-Halifax-V-2.jpg?resize=2048,1152 2048w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\" \/>\n    <div class=\"content-type-meta\">\n      <img loading=\"lazy\" decoding=\"async\" src=\"https:\/\/www.rbcroyalbank.com\/en-ca\/wp-content\/uploads\/sites\/12\/2023\/06\/icon-video-1.png?quality=80\" width=\"80\" height=\"76\" alt=\"icon-video\">\n      <p>4:24<\/p>\n    <\/div>\t\t<div class=\"content-type-meta\">\n\t\t\t<img loading=\"lazy\" decoding=\"async\" src=\"https:\/\/www.rbcroyalbank.com\/en-ca\/wp-content\/uploads\/sites\/12\/2023\/06\/icon-video-1.png?quality=80\" width=\"80\" height=\"76\" alt=\"icon-video\">\n\t\t\t<p>4:24<\/p>\n\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"card-details mob-mar-b-0 mob-mar-t-0 pad-r-0 col-md-12 col-xs-6\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"primary-taxonomy primary-link\" href=\"https:\/\/www.rbcroyalbank.com\/en-ca\/my-money-matters\/drive\/\">\n\t\t\t\t\t\tThe Drive\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<a href=\"https:\/\/www.rbcroyalbank.com\/en-ca\/my-money-matters\/drive\/new-beginnings-money-banking-and-building-your-future-in-canada\/\" class=\"card-title h4 mar-t-0\">New Beginnings: Money, Banking, and Building Your Future in Canada<\/a>\n\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t<\/article>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<li class= 'grid-one-third grid-tb-full grid-mob-full mar-b'>\n\t\t\t\t\t\t\t\t\t\t<article class=\"col-wpr mar-b-0 mar-r-0 mar-l-0\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"postcard-img-ctr post-card-image col-md-12 col-xs-6 mob-mar-b-0 pad-l-0\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"576\" src=\"https:\/\/www.rbcroyalbank.com\/en-ca\/wp-content\/uploads\/sites\/12\/2025\/02\/shutterstock_2413196147.jpg?quality=80&amp;w=1024\" class=\"attachment-post-thumbnail size-post-thumbnail wp-post-image\" alt=\"A newcomer volunteers to manage a local community event\" srcset=\"https:\/\/www.rbcroyalbank.com\/en-ca\/wp-content\/uploads\/sites\/12\/2025\/02\/shutterstock_2413196147.jpg 7373w, https:\/\/www.rbcroyalbank.com\/en-ca\/wp-content\/uploads\/sites\/12\/2025\/02\/shutterstock_2413196147.jpg?resize=300,169 300w, https:\/\/www.rbcroyalbank.com\/en-ca\/wp-content\/uploads\/sites\/12\/2025\/02\/shutterstock_2413196147.jpg?resize=768,432 768w, https:\/\/www.rbcroyalbank.com\/en-ca\/wp-content\/uploads\/sites\/12\/2025\/02\/shutterstock_2413196147.jpg?resize=1024,576 1024w, https:\/\/www.rbcroyalbank.com\/en-ca\/wp-content\/uploads\/sites\/12\/2025\/02\/shutterstock_2413196147.jpg?resize=1536,864 1536w, https:\/\/www.rbcroyalbank.com\/en-ca\/wp-content\/uploads\/sites\/12\/2025\/02\/shutterstock_2413196147.jpg?resize=2048,1152 2048w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"card-details mob-mar-b-0 mob-mar-t-0 pad-r-0 col-md-12 col-xs-6\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"primary-taxonomy primary-link\" href=\"https:\/\/www.rbcroyalbank.com\/en-ca\/my-money-matters\/life-events\/new-to-canada\/employment-in-canada\/\">\n\t\t\t\t\t\tEmployment in Canada\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<a href=\"https:\/\/www.rbcroyalbank.com\/en-ca\/my-money-matters\/life-events\/new-to-canada\/employment-in-canada\/why-newcomer-to-canada-should-volunteer\/\" class=\"card-title h4 mar-t-0\">Why newcomers to Canada should volunteer<\/a>\n\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t<\/article>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<li class= 'grid-one-third grid-tb-full grid-mob-full mar-b'>\n\t\t\t\t\t\t\t\t\t\t<article class=\"col-wpr mar-b-0 mar-r-0 mar-l-0\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"postcard-img-ctr post-card-image col-md-12 col-xs-6 mob-mar-b-0 pad-l-0\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"563\" src=\"https:\/\/www.rbcroyalbank.com\/en-ca\/wp-content\/uploads\/sites\/12\/2025\/02\/Newcomer-couple-asking-questions-to-a-realtor.jpg?quality=80&amp;w=1024\" class=\"attachment-post-thumbnail size-post-thumbnail wp-post-image\" alt=\"Newcomer couple asking questions to a realtor\" srcset=\"https:\/\/www.rbcroyalbank.com\/en-ca\/wp-content\/uploads\/sites\/12\/2025\/02\/Newcomer-couple-asking-questions-to-a-realtor.jpg 7488w, https:\/\/www.rbcroyalbank.com\/en-ca\/wp-content\/uploads\/sites\/12\/2025\/02\/Newcomer-couple-asking-questions-to-a-realtor.jpg?resize=300,165 300w, https:\/\/www.rbcroyalbank.com\/en-ca\/wp-content\/uploads\/sites\/12\/2025\/02\/Newcomer-couple-asking-questions-to-a-realtor.jpg?resize=768,422 768w, https:\/\/www.rbcroyalbank.com\/en-ca\/wp-content\/uploads\/sites\/12\/2025\/02\/Newcomer-couple-asking-questions-to-a-realtor.jpg?resize=1024,563 1024w, 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class=\"card-title h4 mar-t-0\">Questions newcomers should ask the landlord or property manager before you rent<\/a>\n\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t<\/article>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t\t\t\t\t<\/ul>\n\t\t\t\t<\/div>\n\t\t\t<\/div>\n\t\t<\/div>\n<\/section>\n<style class=\"advgb-styles-renderer\">\n\t\t.wp-block-tk-spacer.id-fde2f0c1-d50a-46f3-9985-e6b0e8059e62 {\n\t\theight: 96px;\n\t}\n\n\t@media ( max-width: 480px ) {\n\t\t.wp-block-tk-spacer.id-fde2f0c1-d50a-46f3-9985-e6b0e8059e62 {\n\t\t\theight: 30px;\n\t\t}\n\t}\t\n\t\t.wp-block-tk-spacer.id-6fa6e8e8-9914-411b-ba72-c73dd3e7e816 {\n\t\theight: 60px;\n\t}\n\n\t@media ( max-width: 480px ) {\n\t\t.wp-block-tk-spacer.id-6fa6e8e8-9914-411b-ba72-c73dd3e7e816 {\n\t\t\theight: 30px;\n\t\t}\n\t}\t<\/style>","protected":false},"excerpt":{"rendered":"<p>How to manage health care needs while you wait for your Canadian public health card.<\/p>\n","protected":false},"author":10,"featured_media":66597,"parent":57306,"menu_order":0,"template":"","meta":{"_acf_changed":false,"advgb_blocks_editor_width":"","advgb_blocks_columns_visual_guide":"","footnotes":""},"tags":[167,45],"rbc_content_type":[31],"rbc_audience":[59],"rbc_lob_group":[154],"rbc_difficulty_level":[33],"rbc_mmm_category":[314,316,359],"class_list":["post-57712","rbc_my_money_matter","type-rbc_my_money_matter","status-publish","has-post-thumbnail","hentry","tag-community","tag-physical-and-mental-health","rbc_content_type-article","rbc_audience-newcomer","rbc_lob_group-newcomer","rbc_difficulty_level-beginner","rbc_mmm_category-life-events","rbc_mmm_category-new-to-canada","rbc_mmm_category-settling-in-canada"],"acf":{"contently_publication_id":"187995","custom_author":"Nancy Ripton","rbc_video_header":"","rbc_media_duration":"","rbc_toc_for_mmm_tag":"h2","rbc_toc_for_mmm_limit":6,"rbc_toc_for_mmm":null,"rbc_toc_for_mmm_action":""},"yoast_head":"<!-- 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