Canada Reciprocal Health Agreements
To receive medical care in a-province/territory, you still need to obtain your valid health card in Canada before receiving medical treatment. If you do not present your provincial/territorial health card at the time of treatment, the hospital or doctor may ask you to pay the a-to-province benefits in advance and file a refund with the health fund in your country or territory. Note: If you are travelling to Quebec, you may have to pay for medical benefits yourself at the time of medical treatment, even if you bring your health card to the treatment facility. Tip: Keep all the original supporting documents that may be required for the audit and verification processes. If you are out of the country, coverage is required to be priced in the province of origin/territory. As a result, health care received abroad may not be fully covered by provincial or territorial health insurance. When it comes to travelling outside your home province, and especially outside of Canada, it is a smart idea to have alternative health insurance coverage. While your province reimburses you for some of the emergency care in another country, you only pay the standard price of care in your province. This is generally very different from what hospitals calculate in other countries and you will be responsible for the difference. In most cases, you are also responsible for ambulances and other transportation costs; including transportation to other care, if necessary. It can quickly add up to thousands of dollars. Here is a list of provincial health sites and some examples of what Alberta and Ontario offer you outside the country. Medical emergencies can occur at any time and, in extreme cases, they can even carry a huge financial burden.
The cost of prescription drugs, ground air ambulance services and all other incidental costs, if you are faced with sudden and unforeseen illnesses, can add up quickly, as most provincial/territorial health plans do not cover these services while travelling a-province/territory. The good news is that many emergency medical insurance plans offer coverage for ambulance services, prescription drugs and other additional medical services. Purchasing the right emergency medical insurance plan for you before you leave your home province will provide you with the necessary coverage and better security. More information about insurance conditions can be found in your provincial/territorial health plan on your provincial/territorial website. If you are travelling within Canada, you are protecting yourself from unexpected medical expenses by purchasing travel insurance from a reputable travel insurer such as Travelance. Learn more about our affordable and flexible travel insurance products. As usual, we want to hear from you. Contact us via our website or call 1-855-566-8555 for more information or talk to a licensed Canadian travel insurance broker for your needs! The summary above is a summary for illustration only. More information and details can be found in the Ministry of Health in your respective country/country.
If you live in British Columbia or Alberta, your health plan covers you in every province in Canada, except of course Quebec. In Quebec or outside of Canada, you must pay the benefits yourself and claim a refund. Keep in mind that coverage is extended only to physician care, other practitioners such as chiropractors are not included; Prescription drug coverage is also not included, so prescriptions must be obtained prior to travel. Ambulance services, transportation of the injured to their home province, and many other exceptions apply. Albertans are covered for medically necessary oral care, such as oral surgery, while travelling, but not for routine care.