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Are you a Canadian resident planning to travel outside the country? It’s important to know that the Ontario Health Insurance Plan (OHIP) does not cover all medical expenses incurred outside of Canada. That’s where OHIP travel insurance comes in.
What is OHIP Travel Insurance?
OHIP travel insurance is a type of insurance that provides coverage for Ontario residents who are traveling outside of Canada. It helps to cover the cost of emergency medical expenses that are not covered under OHIP.
Is OHIP Travel Insurance Mandatory?
OHIP travel insurance is not mandatory, but it is highly recommended. Without it, you could be responsible for paying for any medical expenses that arise while traveling outside of Canada.
What Does OHIP Travel Insurance Cover?
OHIP travel insurance typically covers the following:
- Emergency medical treatment and hospitalization
- Emergency dental treatment
- Medical transportation
- Emergency air transportation
- Expenses for a family member to travel to your bedside
- Return of your vehicle or remains
How Do I Get OHIP Travel Insurance?
You can purchase OHIP travel insurance from a private insurance company or through your employer’s group benefits plan. It’s important to read the policy carefully to make sure you understand what is and isn’t covered.
How Much Does OHIP Travel Insurance Cost?
The cost of OHIP travel insurance varies depending on your age, health, and destination. It’s important to shop around and compare prices to find the best deal for your needs.
How Long Does OHIP Travel Insurance Coverage Last?
OHIP travel insurance coverage typically lasts for the duration of your trip, up to a maximum of 212 days. If you plan to stay longer than that, you will need to purchase additional coverage.
What Happens if I Have a Pre-Existing Medical Condition?
If you have a pre-existing medical condition, it’s important to disclose it when purchasing OHIP travel insurance. Some policies may not cover pre-existing conditions, while others will cover them with certain restrictions or exclusions.
What Should I Do if I Need Medical Assistance While Traveling?
If you need medical assistance while traveling, call the emergency assistance number provided by your insurer. They will be able to direct you to the nearest hospital or medical facility and provide guidance on what to do next.
Conclusion
OHIP travel insurance is an important consideration for any Ontario resident planning to travel outside of Canada. It provides peace of mind knowing that you will be covered in the event of a medical emergency while abroad. Remember to read the policy carefully and understand what is and isn’t covered before purchasing OHIP travel insurance.
FAQ
| Question | Answer |
| Is OHIP travel insurance mandatory? | No, it is not mandatory but highly recommended. |
| What does OHIP travel insurance cover? | Emergency medical treatment, emergency dental treatment, medical transportation, emergency air transportation, expenses for a family member to travel to your bedside, and return of your vehicle or remains. |
| How do I get OHIP travel insurance? | You can purchase it from a private insurance company or through your employer’s group benefits plan. |
| How much does OHIP travel insurance cost? | The cost varies depending on your age, health, and destination. |
| What happens if I have a pre-existing medical condition? | You should disclose it when purchasing OHIP travel insurance. |
| What should I do if I need medical assistance while traveling? | Call the emergency assistance number provided by your insurer. |