Different Province. Different Coverage.
To be clear, your OHIP coverage travels with you when you travel from Ontario
to another province. BUT – it may only cover the cost of emergency
treatment at Ontario’s rates and with Ontario’s restrictions.
That means if you have an unexpected accident outside of Ontario but still
within Canada, some medical costs may need to be paid up front.
There are also common OHIP services that we take for granted that may not be
covered in other provinces, such as ambulance services, some dental
emergencies and prescription drugs.
Even if you show your OHIP card, some doctors may charge you upfront for
certain services. Covering unforeseen medical expenses means you’ll have
to spend money you weren’t expecting to or might not even have.
Yes, you can submit a claim to OHIP when you get back to Ontario, but only a
portion of what you paid may actually be reimbursed.
This is why supplementary travel insurance coverage can help pay these costs
and cover some of the services that OHIP may not. It’s also why
OHIP strongly recommends purchasing supplementary coverage for out-of-province
If you want more details on your OHIP coverage while travelling, visit the
for more information.
Why CAA Travel Insurance Makes Sense.
Wherever you decide to travel, CAA has comprehensive insurance options that
will help protect against the financial impacts of emergencies or illnesses
while you’re away.
You can expect great coverage choices for you and your family (including your
pets) so everyone can enjoy a worry-free time away knowing you’re
Let CAA find you the right travel insurance package so you can start dreaming
about your departure date.
Get a Quote
If you are currently travelling and require immediate assistance, please
call: 1-888-493-0161 in Canada and the U.S.