If you book your trip through a travel agency licensed in Quebec, your deposit and prepayment are protected by the Fonds d'indemnisation des clients des agents de voyages (FICAV), administered by the Office de la protection du consommateur (OPC). The contribution is small and it's typically included in the agency's invoice. Check with your agency to confirm OPC registration if FICAV protection is important to you.
Gateway2Morocco Travel is licensed in British Columbia (BC Consumer Protection Licence #80460) and IATA-accredited (#96118831), not in Quebec, so FICAV does not apply to a booking with us. What you get instead is a licensed Canadian agency with its payment terms written into your proposal before you pay anything, and no deposit until the itinerary is exactly right.
RAMQ does not cover medical care abroad. Like all Canadian provincial health plans, RAMQ provides essentially no coverage outside Canada — emergency hospital stays in Morocco's private clinics can run thousands of dollars per day. Every Quebec traveler should buy proper travel medical insurance. Common providers our Montréal clients use include Croix Bleue du Québec, Desjardins Assurances Voyage, and Manulife CoverMe, plus premium credit cards such as Visa Infinite Privilege or Aeroplan Réserve, many of which include 15–31 days of emergency medical (read the certificate carefully — almost always insufficient on its own for trips over 3 weeks or travelers over 65).
Buy your policy within 72 hours of paying your tour deposit — this is when most pre-existing-condition stability clauses begin to count, and you also lock in trip-cancellation coverage immediately.