What Your Provincial Health Plan Actually Covers Abroad (It’s Less Than You Think)

Most Canadians assume their provincial health card works everywhere. It doesn’t. Not even across provincial borders, let alone internationally.

The Province-by-Province Reality

Ontario (OHIP)

Effective January 2020, Ontario eliminated all out-of-country medical coverage. OHIP pays $0 for emergency care abroad. Zero. Not a reduced amount — nothing.

British Columbia (MSP)

MSP pays a maximum of $75/day for emergency inpatient care outside BC. A US hospital bed costs $5,000–$15,000/day. MSP covers less than 2% of the bill.

Alberta (AHCIP)

Alberta reimburses at Alberta rates — roughly $100/day for hospital stays. Meaningless against international hospital bills.

Quebec (RAMQ)

RAMQ reimburses at Quebec rates for hospital and physician services. Better than Ontario’s $0, but still covers less than 10% of costs in the US or Europe.

Within Canada Isn’t Much Better

Travelling from Ontario to BC? Your provincial plan doesn’t cover ambulance fees, prescription medications at out-of-province pharmacies, or medical equipment rentals in the other province. A Travel Within Canada plan fills these gaps — with no stability requirement for pre-existing conditions.

The Math Is Simple

Your province covers less than 10% of medical costs outside your home province. Travel insurance covers the other 90%+ — up to $5,000,000 with TuGo.

Coverage starts at $4.25/day. That’s less than a coffee. Get your quote →