Travelling outside of Ontario? In most situations, OHIP will not cover all the medical expenses related to a medical emergency occurring outside of Ontario. The most obvious expenses are those actually related to medical services. Typically these expenses are higher in other jurisdictions.
OHIP will only cover what the cost would be if the services were provided in Ontario. The shortfall can be staggering. In addition to medical treatment, other costs can be significant, such as the cost of emergency transport home or the cost of having a caregiver travel to where the patient is located. Some employee group benefit plans provide travel insurance coverage, and some credit cards offer protection. however, it is important to keep in mind that coverage may be limited. Also, travellers relying on these often are not aware of how pre-existing medical conditions can affect coverage. At Morison Insurance we review each situation carefully to ensure proper coverage is in place.
Travel insurance exists to protect you from various expenses that can occur while travelling such as medical, lost luggage, trip delays or cancellation and other potential mishaps. Travel insurance is tailored very specifically to you, your physical wellness and the location to which you are travelling.
You might have insurance through your employer or financial institution, but this type of policy is often limited and doesn't cover a wide range of mishaps that commonly occur during travel. Travel medical claims can reach hundreds of thousands of dollars. Before you leave make sure you're covered in any unfortunate travel event.
Call our brokers at Morison Insurance to ensure you are properly covered on your next travel adventure.
This content is written by our Morison Insurance team. It is provided for general information only. Insurance needs differ from person to person, and this article is therefore not a substitute for professional advice about your individual insurance needs which can be obtained by speaking to one of our brokers.