Canadians Travelling outside Canada for vacation or business?

Your government health plan may not cover all emergency medical expenses.
Government health plans may not cover all emergency medical expenses once you leave your home province/territory and typically cover only a limited portion once you leave the country. In fact, the Canadian Government (Consular Services, Foreign Affairs and International Trade Canada) urges all Canadians to purchase supplemental health insurance when leaving the country. They say:

"Do not rely on your provincial health plan to cover costs if you get sick or are injured while abroad. Out-of-country healthcare can be costly, and your provincial health plan will cover only part of the bill at best."

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Plus, government health plans don't guarantee coverage for special care (air ambulance or emergency dental services, for instance).

Unlike government health plans, our travel insurance packages and travel medical insurance plans offer you:

• Coverage for eligible medical expenses
• Up-front payment of eligible medical expenses whenever possible
• 24-hour, multilingual emergency medical assistance—one toll-free phone call puts you in touch with a multilingual professional who will refer you to a local doctor or facility in order for you to receive the care you need
  Government health plans also don't provide protection against situations such as lost, damaged or delayed baggage or trip cancellation and interruption.

What is travel insurance and why buy it?
Travel insurance is designed to protect you against unforeseen medical emergencies. It provides you with 24-hour assistance and allows you and your family to travel with peace of mind. A medical emergency outside the province or country without travel insurance can cause considerable financial difficulty and emotional stress and can ruin a vacation. read more »

Canadians travelling within Canada for business or pleasure?

It is recommended that even when you are travelling within Canada, you ensure that you have additional coverage. Many assume that their provincial government plan  will take care of their expenses while in another province.

Provincial Government plans will not pay more than the service would have cost in the province of residence.

• For physician services, Government Plans will pay the actual cost billed by the out-of-country physician(s) or the cost of the same physician service(s) in the province of residence, whichever is less. Physician services in the province of residence could be rendered at a significantly lower cost than at those billed out-of-country health facilities. Please note that out-of-country health facilities and physicians usually bill on an individual basis.
• For inpatient services, Provincial Government plans will pay  a set CDN  rate per day. If the services are inpatient services rendered in an operating room, coronary care unit, intensive care unit, neonatal or paediatric special care unit, then the provincial plans will pay at the higher rate  per day for hospital services.

Note :  Some Provincial Plans  do not pay for ambulance services, transportation costs, or out-of-hospital food/accommodation/drugs or prescriptions.
This is why we highly recommend considering additional Travel Insurance even if your vacation is within Canada but outside your province of residence.

Visitors to Canada?

Do you have clients have family or friends coming to stay? They may be planning a few day trips to tourist areas, outings to some local spots of interest, or culinary experiences. But do your client’s guests have insurance to protect them while they’re here? No need for concern; Our Travel Insurance for visitors to Canada can be purchased prior to their departure or when they first arrive. We’ll assist you in making the right decisions to ensure your guests are protected.

Why do new immigrants to Canada require private medical insurance?
New Immigrants to Canada need to satisfy certain criteria before they become eligible for provincial public health insurance coverage. Eligibility criteria varies from province to province. We encourage you to contact the health program in you province of residence to determine how long it will take to become eligible.

In most cases. Most new immigrants need private medical insurance for the first three months after landing in their intended province of residence. New immigrants should purchase Visitors to Canada Emergency Medical insurance to provide medical insurance coverage during the waiting period.