Medical · Cancellation · Visitors
OHIP covers very little once you leave Canada, and hospital bills abroad can be serious. Travel insurance fills that gap with emergency medical and trip protection matched to where you are going and your health.
Covers eligible emergency hospital and medical costs outside Ontario, subject to pre-existing condition rules and stability periods.
Reimburses prepaid, non-refundable costs if you cancel for a covered reason such as sudden illness.
Helps with extra costs to return home or rejoin your trip for a covered reason.
Limited coverage for lost or delayed luggage and essential purchases.
Emergency medical coverage for parents and relatives visiting the GTA, including Super Visa requirements.
For frequent travellers, an annual plan can cover many shorter trips within a set number of days each.
Broker tips
An inaccurate health questionnaire is a common reason claims are declined.
Medication or treatment changes before travel can affect coverage for that condition.
Cancellation coverage generally works best when bought soon after booking.
Most plans require you to call before treatment when possible.
FAQ
Only to a very limited extent. OHIP pays little toward out-of-country care, so private emergency medical coverage is strongly recommended.
Sometimes, but card coverage often has age limits, short trip durations and lower limits. I can compare it against a standalone plan.
Yes. Visitors to Canada plans cover eligible emergencies while they are here, and some meet Super Visa requirements.
Many plans cover stable conditions. The definition of stable varies, so we read that section together.
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A lump sum if you are diagnosed with a covered serious illness.
Tell me a little about what you need. I will compare options and come back with a clear recommendation.