Welcome to Gaia! ::

Well, I know in the US at least, almost no insurance companies will cover transition surgeries or hormones (at least, done honestly)...although San Francisco, for example, has a thing where they'll pay a good deal of the surgery costs for folks who work in the city (it was somewhere between 30-50% I believe).

Now, some doctors can use a little deceit to get stuff insured, like saying you have a hormonal imbalance where you're producing way too much estrogen and progesterone in order to trick the insurance companies into covering hormones, or indicating the presence of cancerous cells in the tits, overies, etc. (via an intentionally misread biopsy) in order to get different kinds of -ectomy surgeries covered (or if you actually have the cancerous cells, in which case it's kind of a win-win if removing the stuff will halt the cancer and continue your transition without deceit). Adding things on (via phalloplasty, metoidioplasty or scrotoplasty) can't be covered even with tricky doctors (except, again, for San Francisco). I've heard some other insurers are thinking of covering transitions, but it can take years before we see that kind of thing take effect or how much the co-pays would be (a company might decide to only cover like 5-10%, for example, which is nice but barely scratches the surface of the costs).

Again, that's just as far as the US goes. I can't really speak surely for Canada. I would think that it would be covered though, at least somewhat, and the estimates for surgery costs seem to be lower.

I've been wondering about the exact same thing. I plan on relocating to Canada for College [provided I get accepted, you know?] and knowing how things work there would be immensely helpful. xD