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What our travel insurance policies cover

Is travel insurance really necessary? Doesn't OHIP cover my medical costs?

Medical insurance is essential the moment you leave Ontario. The Canada Health Act requires that OHIP covers your medical costs in Ontario only, and it is not required to cover any medical costs outside the province. In fact, OHIP covers only a small portion of medical and hospital costs incurred outside Ontario. For example, it may cover $50 for a medical consultation and $200/day for hospitalization. Because medical costs are significantly higher abroad – particularly in the United States – without travel insurance, your financial security is at risk. Some foreign fees may be costly.

If you become sick or injured while you’re away, your travel insurance can cover

  • Accommodation costs and meals for your spouse or travel companion
  • Transportation costs if your return is delayed due to accident or illness if you have purchased trip interruption with medical coverage
  • Cost of medical evacuation by land or air ambulance, or by commercial flight
  • Repatriation costs for your children if you are hospitalized
  • Transportation costs to bring a loved one to you if you are hospitalized for seven days or more
  • Vehicle return costs to drive your vehicle or motor home to your home if you cannot drive due to accident or illness

These are costs that OHIP does not cover and that you would be responsible for if you do not have travel insurance. Take a look at the many products we have to offer.

I am travelling within Canada. Why should I purchase travel insurance? Isn't health care covered for Canadians across Canada?

That’s only partially true. Medical costs are covered across Canada, but provincial health plans

  • Do not offer the same services to non-resident travellers as they do to residents (even though you are Canadian, you are considered a non-resident even if you live in a neighbouring province)
  • Vary from one province to another and do not pay the same rates in all provinces

Below are some examples of costs you may need to pay in a neighbouring province:

  • Return of vehicle
  • Air ambulance
  • Relatives visiting in hospital

There are billing agreements between certain provinces, but not all. Since medical costs vary from one province to another, what may be sufficient to cover a medical service in one province may not be enough to cover the same service in another province.

Is pregnancy covered under your emergency medical care travel insurance policy?

Pregnancy and related medical fees for Canadian travellers would be covered if:

  • At the time of departure, the pregnancy was considered normal (as opposed to being high risk or with complications), and
  • Medical services or expenses are incurred before the last 8 weeks from the expected date of delivery

Pregnancy and any related medical fees are not covered under the Visitors to Canada plan.

Do your policies cover hiking, or rock or mountain climbing?

If the hiking route does not involve dangerous passes or is not technically challenging, it may be covered. However, rock climbing is excluded from our policy coverage, as is mountain climbing routes of grades 4 and 5 on the Yosemite Decimal System.

Is alpine skiing covered under your policy?

Any emergency resulting from alpine skiing is covered as long as the skiing is not off-track and is practised in a safe manner. Also, if a high-risk or dangerous manoeuvre was involved at the time of the accident, any related claim could be denied.

Is scuba diving covered under your policy?

Scuba diving is covered as long as the diver has the proper certification to undertake the planned dive. Dives that involve a high degree of risk are not covered.

If you get injured while diving in a dangerous zone, or if you dive without proper certification, any medical fees incurred will not be reimbursed.

If I purchase a travel insurance policy, would I be covered for pre-existing medical conditions or illnesses?

An illness that is present at the time of departure is considered pre-existing; however, if it is stable, it may be covered. Read the following articles for more details:

I have a chronic illness. Can I still be covered?

For any additional questions on your medical condition, please contact one of our agents.