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Dec 06 2011

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Traveling Out-of-Province? Don’t Forget Travel Insurance!

Traveling Out-of-Province? Don’t Forget Travel Insurance!

Travel Insurance

Buy travel insurance for out-of-province travel or when leaving Canada on Vacation

In the next six months, are your going to the US for business for a day or two? Perhaps you’re exploring Canada’s coast, heading to the Caribbean or travelling overseas?

Travel Insurance while out-of-province helps protect you against the cost of unexpected emergencies that may occur during your trip – costs only marginally covered by OHIP.

The following questions and answers are taken directly from the Ontario Ministry of Health and Long-Term Care. 

Question 1.When I travel outside of Canada, will OHIP pay the same medical expenses that are covered in Ontario?

No.  If you are a resident of Ontario and you are insured under OHIP, you are entitled to very limited funding for a limited range of medical services when you are travelling outside of Canada.

Question 2. Should I obtain additional insurance coverage for my absence from Canada?

Yes.  The ministry strongly recommends that you do, whether you are absent from Canada for a few minutes or for an extended time.  OHIP does not insure or pay for all out-of-country medical services.  Also, the amount of funding provided by OHIP will not usually cover the full cost of any health services that you do obtain outside of Canada.  You should therefore, obtain supplementary health insurance from a private insurance company to provide you with additional coverage during your absence.  It is also recommended that you understand the terms and conditions of the additional insurance coverage you have purchased and the implications of any pre-existing health conditions on your insurance coverage.  To obtain private insurance contact a private insurance company of your choice.


Is travel insurance expensive?  For a 52 year-old male, it costs about $3 per day for $5 million of Emergency Medical Insurance coverage.


Below is a list of available insurance benefits.

· Emergency Medical Insurance: Covers up to $5,000,000 for expenses as a result of emergency medical attention required during a trip.

· Trip Cancellation & Interruption Insurance: For Single-Trip Plans – covers up to the sum insured to a maximum of $3,500 per trip.

· For Multi-Trip All-Inclusive Plans – covers up to $5,000 per trip to a maximum of $7,000 per policy.

· Baggage Loss, Damage & Delay: Covers up to $1,000 per trip (up to a maximum of $3,000 per policy year for a Multi-Trip Plan) for loss or damage to baggage and covers up to $500 per trip (up to a maximum of $1,500 per policy year for a Multi-Trip Plan) for baggage delay.

· Flight Accident: Covers for $100,000 for death or double dismemberment, or $50,000 for single dismemberment.

· Travel Accident: Covers for $50,000 for death or double dismemberment, or $25,000 for single dismemberment.

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