Travelling out of Ontario? Here’s Why You Need Travel Insurance

Vaccinations are ramping up across the country and there are positive signs that a travel rebound is on the way.

But if you, like many Canadians, are starting to dream of travel plans, make sure you first understand the limitations of the Ontario Health Insurance Plan (OHIP).

For one, the provincial plan does not cover all unexpected medical costs when travelling in another province or territory. While OHIP does provide some coverage for emergency or immediate medical care, the fact is that it does not cover all medical expenses when you’re outside of Ontario.

Thinking of visiting Montreal or Quebec City for a bit a European vibe, a little closer-to-home this year? If your trip takes a turn for the unexpected and you’re in need of an ambulance, you’d be on-the-hook for the expense. That’s because OHIP doesn’t cover the cost of ambulance services for Ontarians travelling out-of-province within Canada.

Depending on which province or territory you are in, the cost for an ambulance could range from the hundreds of dollars to several thousand (if you need to fly home by air ambulance, for example).

On the other hand, travel medical insurance typically includes coverage for medical transportation back to your home province, if recommended by a physician.

It’s better to be safe than sorry.

Never leave home without purchasing travel medical insurance when travelling anywhere outside of Ontario.

No matter where you choose to go, CAA Travel has insurance options designed to protect you against the financial impacts of illness, emergencies and unexpected mishaps on your trip.

CAA Travel Insurance offers coverage benefits that go far beyond what you may be offered through credit card plans or group plans.

Even better, CAA Members always SAVE up to 20%* on insurance coverage!