What OHIP covers outside of Ontario and what it doesn't
3 Minute Read
Summary
- OHIP coverage outside Ontario is limited, excluding ambulance, airlift, and prescription expenses.
- Out-of-province ambulance services can cost anywhere from hundreds to thousands of dollars, particularly for air transport.
- Travellers should purchase trip cancellation or interruption insurance when visiting locations outside Ontario to protect against expenses not covered by OHIP.
Canadians are ready to embrace warmer weather and head out on summer road trips. Purchasing travel insurance may be an obvious consideration when flying to another country, but it's also essential when exploring within Canada.
Many Ontarians mistakenly believe that their Ontario Health Insurance Plan (OHIP) will cover any unforeseen medical expenses incurred while visiting another province or territory. While your provincial plan covers some medical care, it doesn’t include many medical expenses. If your travels take you outside of Ontario, it’s essential to know what’s covered and what isn’t under OHIP.
Unexpected situations can arise anytime, anywhere, so it’s essential to get travel insurance before you go for peace of mind. We asked our CAA Travel Insurance experts for advice on Canadian vacations and health coverage, and here is what they had to say.
What does OHIP cover across Canada
When you show your valid Ontario health card in another province or territory, you'll be covered for some of the same services you receive here in Ontario, but not all. Physician services (like at a walk-in clinic) and services provided by a public hospital are included.
Coverage gaps
It's strongly recommended that you purchase your own travel insurance when adventuring outside of Ontario. Some of the services that OHIP does not cover in another province or territory include:
- Ambulance services (including transport and paramedic) and airlift services
- Prescription drugs from pharmacies
- Assistive devices (like prosthetics)
- Home-care services, long-term care, or residential services
- Private hospital fees
If you are hiking in Banff and you injure yourself on a trail, a car can't reach you, so you need to be airlifted out. Another example is if you're at an amusement park with your family and suddenly fall ill and are unable to drive, you would need to call for an ambulance.
Depending on where you are visiting, an ambulance bill could cost you hundreds of dollars or several thousand (if an air ambulance is needed).
Travellers should also consider trip cancellation or interruption insurance. These types of policies cover unexpected situations, such as getting ill before travelling, losing travel documents, or missing a flight due to weather.
Other coverage you may need outside of Ontario is rental vehicle damage insurance. If you’re renting a car for your summer road trip, you may want to get additional coverage. While some auto insurance companies offer rental car insurance, you may not want to rely on your personal insurance. You’re likely driving in an unfamiliar car in an unfamiliar place – why risk an accident ending up on your personal insurance?
Before you depart
Make sure to stay protected during your travels with CAA Travel Insurance. If you need additional coverage, get a quote online or book an appointment with CAA travel experts.
Also, before you hit the road, bring your CAA Membership. From just $30 a year (for a CAA Everyday Membership), CAA Members save wherever they go. You can save on fuel when you fill up at Shell1, or save up to 20%² on travel insurance. Start booking your next trip with CAA online or call an agent at 1-800-705-8713.
CAA Travel Insurance, an Orion Travel Insurance product, is underwritten by Echelon Insurance. Certain exclusions, limitations and restrictions apply. A Medical Questionnaire is required if you are 60 years of age and older. Quotes are valid for 30 days.
1, Conditions apply at participating stores. Visit caaneo.ca/termsandconditions for full Membership Terms and Conditions.
2. Applies to CAA Members in good standing (CAA Membership dues paid in full by Membership expiry date). Up to twenty percent (20%) savings apply to the total premium, excluding applicable taxes. Minimum premium applies. Subject to change without notice. Excludes Visitors to Canada Insurance. CAA Everyday, Classic®, and Plus® Members save 10%. CAA Premier® Members save 20% at CAA Stores or by calling 1-800-705-8713. CAA Premier Members save 10% and earn 10% in CAA Dollars® when booking online.
®CAA trademarks are owned by, and use is authorized by, the Canadian Automobile Association.
