Myth 1 – OHIP will cover all medical expenses within Canada.
Whether you’re headed south across the border or just leaving Ontario, it’s still recommended that you purchase travel medical insurance before your trip. Though you do have limited access to OHIP benefits, the official “What You Need to Know About Your Ontario Health Card” lists what you’re not covered for while you’re away from home:
- Prescription drugs from pharmacies
- Home care services
- Ambulance services and long-term care services provided in other provinces and territories
The government of Ontario also states that “typically [OHIP] coverage (while out-of-province but within Canada) is for insured physician and hospital services only. Therefore, when travelling outside of Ontario but within Canada, the ministry recommends that you obtain private supplementary health insurance for non-physician/non-hospital services.”
If you still think OHIP is enough coverage, consider that a single, uncovered ambulance ride will most assuredly eclipse the cost of the average travel insurance plan. When you consider the many other benefits it provides, supplementing OHIP with affordable travel insurance starts to seem like a no-brainer.