Do I Need Health Insurance to Travel Out of Province?
Canadians traveling abroad should consider additional travel insurance, as provincial plans often have limited coverage and won't cover all medical expenses. OHIP's Out-of-Country Travellers Program ended in 2020, increasing the need for extra protection.
Travelling outside of Canada can be an exciting adventure, but it comes with its share of risks—especially when it comes to health care. While Canada's health care system provides comprehensive coverage within the country, many Canadians overlook the limitations of their health insurance when traveling abroad. This guide will walk you through the essential aspects of out-of-country health coverage, helping you make informed decisions about your health insurance needs before you embark on your journey.
The Basics: What Does Your Health Insurance Cover Abroad?
When you travel outside of Canada, your provincial health insurance plan may still offer some level of coverage, but it's crucial to understand its limitations. For instance, if you require an overnight stay in a hospital or need to visit a physician while abroad, your health insurance may cover a portion of the expenses. However, there are strict limits on the amount your out-of-country health plan will pay.
Coverage Limits and Comparisons
One of the key issues with relying solely on your provincial health plan when traveling abroad, especially to the United States, is the significant difference in health care costs. For example, a medical procedure that might be relatively inexpensive in Canada could be exorbitantly priced in the U.S. This means that even if your provincial plan offers some coverage, you could still be responsible for a substantial out-of-pocket expense.
Additionally, many out-of-country health plans do not cover diagnostic or laboratory tests, which are often necessary for proper medical treatment. Without this coverage, you could face unexpected and substantial bills.
OHIP Changes: What You Need to Know
As of January 1, 2020, Ontario residents should note that OHIP's Out-of-Country Travellers Program has been discontinued. This program previously offered some level of protection for Ontario residents traveling abroad, but with its removal, the onus is on travelers to ensure they have adequate private health insurance coverage.
The Importance of Travel Health Insurance
Misconceptions About Coverage
A common misconception among Canadians is that their provincial health insurance will fully cover any unexpected medical costs incurred while traveling outside the country. While your provincial plan may cover emergency care and hospital expenses if deemed medically necessary, these plans are often insufficient for the full range of possible medical services you might need abroad.
For instance, while medical practitioners and doctors in Canada are covered under the same health insurance plans, this is not the case when you are outside the country. Without adequate travel health insurance, you could find yourself responsible for significant medical expenses.
What Travel Health Insurance Covers
Travel health insurance is designed to fill the gaps left by your provincial plan. It typically covers a wide range of services, including hospital stays, emergency care, diagnostic tests, laboratory tests, and even medical evacuation if needed. Some plans may also cover the costs of bringing you back to Canada if your medical condition requires it.
Understanding Costs: The Difference Between Provinces and Countries
Out-of-Province Coverage Limits
Even when traveling within Canada, you should be aware of the differences in provincial health plans. For example, the Ontario Health Insurance Plan (OHIP) limits out-of-province hospitalization coverage to $400 per day. In contrast, if you were to travel to a location like Florida, a hospital stay could cost more than $75,000 USD. Additionally, an air ambulance ride, which might be necessary in an emergency, could cost over $2,000 USD. These figures highlight the importance of understanding your coverage limits and considering additional insurance.
Alberta vs. Ontario
If you're an Alberta resident, your provincial plan may offer more comprehensive out-of-province coverage compared to Ontario, but there are still differences that could affect you. For instance, Alberta's plan may cover certain services that OHIP does not, but it's essential to review your specific policy before traveling.
Benefits of Travel Health Insurance: Peace of Mind on Your Journey
Why You Should Consider Additional Coverage
If you're traveling out of your home province or country, additional health insurance coverage offers several key benefits. First and foremost, it provides peace of mind. Knowing that you are covered in case of illness or injury allows you to focus on enjoying your trip rather than worrying about potential medical bills.
Additionally, travel health insurance can cover services that your provincial plan might not, such as medical evacuation, which can be costly but essential in emergencies. In some cases, travel insurance may also cover trip interruptions or cancellations due to health-related issues, adding another layer of financial protection.
Common Expenses Not Covered by Provincial Plans
The Reality of Out-of-Country Medical Costs
Many Canadians assume that their provincial health coverage will take care of unexpected medical expenses while traveling. Unfortunately, this isn't always the case. Most provincial plans only cover emergency medical services incurred within Canada, and even then, the coverage might not be as comprehensive as you think.
The Role of Medical Transportation
One of the most overlooked expenses is medical transportation. If you are injured or fall ill while traveling, getting back to Canada for treatment can be incredibly costly. Travel medical insurance often includes coverage for medical transportation, ensuring you can return home safely without incurring a massive bill.
Where to Buy Travel Health Insurance
Choosing the Right Policy
If you're planning to travel outside of your home province, it's wise to purchase additional health insurance for your trip. Medical care costs outside of Canada are significantly higher than within the country, and purchasing additional coverage from a private insurer can protect your financial investment in your trip.
When choosing a travel health insurance policy, consider the length of your trip, your destination, and any specific health concerns you might have. If you're only leaving the country for a day or two, you might not need comprehensive coverage, but if you're going on an extended trip, robust coverage is essential.
Buying Tips
When shopping for travel health insurance, compare policies from multiple providers to find the best coverage for your needs. Look for plans that cover emergency medical services, hospital stays, diagnostic tests, and medical evacuation. Additionally, ensure that the policy provides adequate coverage limits, especially if you're traveling to a country with high medical costs like the United States.
Conclusion: Don't Leave Home Without Adequate Coverage
Traveling is an enriching experience, but it's essential to be prepared for the unexpected, especially when it comes to your health. While your provincial health insurance plan may offer some coverage, it is often insufficient for the full range of potential medical expenses you might incur abroad. Investing in travel health insurance provides peace of mind and financial protection, allowing you to enjoy your trip without worry.
Before you embark on your next adventure, take the time to review your health insurance coverage and consider purchasing additional travel insurance. By doing so, you'll ensure that you're fully protected, no matter where your travels take you.
