OHIP Changes Take Effect Jan 1st. Get Your Travel Insurance!

1.35min read
Published 13 December 2019

Share

OHIP? Oh no! 

If you are an Ontario resident planning to travel abroad in the new year and are relying on your OHIP coverage to reimburse any unforeseen medical expenses incurred while away, listen up. 

Effective January 1st, 2020, your Ontario Health Insurance Plan (OHIP) will no longer cover out-of-country medical expenses*. 

As it is (up until December 31st, 2019), OHIP’s Out-of-Country Travellers Program is very limited and isn’t recommended to be the sole medical insurer for any trip, covering only up to $400 per day for emergency in-patient services and up to $50 per day for emergency outpatient and doctor services. Actual fees for such services run much higher, especially in the U.S., where hospital fees are double those of most developed countries. 

While some travellers relied on OHIP, a travel insurance policy provided by their employer or limited medical coverage offered by their credit card company, smart travellers always purchased additional travel insurance over and beyond the above coverage and specific to their trip. 

Still think you don’t need travel insurance?

 

What the government plan never covered was Trip Cancellation (reimbursement of travel costs if cancelling a trip due to illness), Trip Interruption (costs if needing to unexpectedly return to Canada due to illness), or Baggage (due to loss or delay of luggage). Travel insurance plans sold by travel agents can cover all of the above, in addition to comprehensive (up to $5 million) Medical coverage while away. The nominal premiums for the above plans (also sold in a package) are just a small fraction of the expenses you’d quickly accrue if needing care abroad - especially south of the border.

Unfortunately, too many Canadians know how expensive it can be to seek medical care outside of Canada. In the U.S., an ambulance ride can cost $500 and up. A visit to the emergency room can cost anywhere from  $150 to $3,000. A hospital stay is $5,000 per day, and even an X-ray can be anywhere from $150 to $3,000. Fractured a hip? Expect to be charged $13,000 to $40,000!

 

* A new Ontario program will provide kidney dialysis patients with $210 toward each treatment (actual prices range from $300 to $750). Besides dialysis, Ontario travellers will be responsible for covering everything else.

 

Purchasing travel insurance to cover both your health and the cost of your trip has never been more important. To get a quote or to insure your upcoming trip, speak to one of our Expert Travellers today. 

By


Share

Newsletter

Be in to win a $500 travel gift card*

Sign up to our Club Red newsletter to get exclusive deals, travel inspiration and more!

Flight Centre

© Flight Centre Travel Group (Canada) Inc.*Conditions apply. Prices are in CAD. All advertised prices include taxes & fees. Air travel in economy class unless otherwise stated. Package, cruise, tour, rail & hotel prices are per person, based on double occupancy for total length of stay unless otherwise stated. All-inclusive vacations include airfare on a per person basis. Prices are for select departure dates and are accurate and subject to availability at advertising deadline, errors and omissions excepted, and subject to change. Taxes & fees due in destination are additional and include, but not limited to, local car rental charges & taxes, one-way rental drop fees which are to be paid upon arrival, resort fees & charges, and airline baggage fees. Additional important conditions and supplier terms may apply. For full terms and conditions visit please speak with a Flight Centre Travel Consultant. CPBC#2790, TICO#4671384, OPC#702971.

Future Travel Credit Terms & Conditions | Green Policy | Anti-Spam Policy