Travel Medical Insurance

If you live in Ontario and are covered by OHIP, OHIP recommends that you buy private health insurance before leaving Ontario to cover any uninsured services you may need, to ensure you are protected if the unimaginable happens. Call 905-835-2417 or email.

While travelling outside of Ontario, but within Canada, you will be covered for some of the same services you’re covered for in Ontario including:

• physician services (e.g. visit to a walk-in clinic)
• services provided in a public hospital (e.g. emergency, diagnostic, laboratory)

Any service or treatment you receive in another Canadian province or territory must be medically necessary for it to be covered by OHIP.

Services that are not covered by OHIP in another Canadian province or territory include:

• services not covered in Ontario (e.g. cosmetic surgery)
• ambulance services (including transport and paramedic)
• prescription drugs and other drugs given outside a hospital
• home-care services
• fees charged by private hospitals or facilities
• diagnostic or laboratory services outside of a public hospital
• long-term care or residential services
• assistive devices (e.g. prosthetics)

While travelling outside of Canada, the amount of coverage provided by OHIP is further limited. 

Doctor services

OHIP will pay whichever of the following is less:

• the actual amount billed by doctor(s) who treated you outside Canada
• rates listed in and paid to Ontario physicians in the Ontario Schedule of Benefits for Physicians Services

Emergency outpatient services

OHIP will pay whichever of the following is less:

• up to $50 (Canadian) per day
• the amount billed by the hospital

Emergency inpatient services

OHIP will pay up to:

• $400 (Canadian) per day for services provided in:
  • an operating room
  • a coronary care unit
  • an intensive care unit
  • a neonatal or pediatric special care unit
• $200 (Canadian) per day for lower levels of care

Travel insurance can cover more than emergency medical expenses, such as emergency travel assistance, return of a vehicle, or emergency transportation including an attendant and even Identity Fraud Recovery etc.  Optional coverage can provide for trip cancellation or trip interruption, AD&D, or flight accident etc.  Travel insurance may be purchased to cover a single trip or on an annual multi-trip basis.  Talk to us to arrange for the coverage that is right for you and your family.  Call 905-835-2417 or email.