Jennifer, a passionate traveler, visited Montreal to quench her never-ending thirst for traveling. But on the way to her dream destination, she got her shoulder dislocated to lift a bag heavier than she had expected. She got admitted by fellow travelers to the nearby hospital.
After a few days of treatment, she found that the hospital bill was heavier than the bag she tripped lifting. And, because she was relying solely on her provincial health insurance, she discovered they did not cover most expenses in Montreal. Learn about the many reasons for getting a Traveler’s insurance coverage.
Is health insurance required for a vacation in Canada?
The answer is yes. However, it mostly depends on your health. Not all provinces have the same coverage. It varies depending on the location. It implies you will have to pay for most of your expenses out of your own money. It is always a clever idea to buy health insurance traveling here.
Medical services provincial health insurance cover
Your provincial health insurance may cover walk-in doctors’ fees. OHIP (ONTARIO HEALTH INSURANCE PLAN) (Ontario’s health-care plan) does not cover medical testing, cultures, x-rays, or MRIs. If you wish to be covered with the services listed above and others, you must go to a public hospital.
You can request reimbursement from the OHIP if you receive medical treatment outside of your home province. You must always carry a valid Ontario health card to file a claim; otherwise, you cannot do much.
Advantages of travel insurance
Travel insurance provides coverage for expenses not covered by your public health insurance plan, which includes the following.
- Dental care in an emergency.
- Medical instruments and accessories prescribed by the general practitioner (splints, crutches, prostheses, etc.).
- They gave prescription medications in the event of a medical emergency.
- The expense of ambulance service.
- Medical repatriation to your province or territory of residence in an emergency, provided they deem this service necessary and safe.
- You need to see a dermatologist straight away.
- Different health professionals’ services (physiotherapist, podiatrist, chiropractor, etc.).
- The expense of staying in a private or semi-private room.
- The portion of the fees that would typically be billed to you for out-of-hospital consultations.
Being aware of the risks and having the best financial support to cover them will make your vacation even more fun. It is up to you to decide whether to purchase this. Staying on the safe side is simply a prudent decision.