How changes to OHIP travel coverage will impact Ontario residents


In early May, the Ontario Health Minister, Christine Elliott, announced a major change to the Ontario Health Insurance Plan (OHIP) that eliminates travel coverage for Canadians living in Ontario, the Canadian Press reported. After January 1, 2020, Ontario residents travelling outside Canada will no longer be covered by OHIP's Out-of-Country Travellers Program, which previously helped pay for the cost of emergency health services abroad. To understand how this change could impact your current or future travel plans, let's take a closer look at the details.


OHIP travel coverage: The basics

Prior to the recent update, OHIP's Out-of-Country Travellers Program partially covered a range of emergency medical services to help Ontarians pay for treatment when travelling outside Canada. More specifically, OHIP covered up to $400 per day for emergency in-patient services, and up to $50 per day for emergency outpatient services and select medical services, according to the Ministry of Health. While this coverage was by no means comprehensive, it did provide residents of Ontario with an extra layer of financial protection when travelling outside the country.

Canadian health insurance does not cover medical treatments and services provided for in other countries. 


What's changed?

Starting January 1, 2020, the Out-of-Country Travellers Program will be completely eliminated, with some minor exceptions. This means Ontarians who experience an unexpected medical emergency when travelling abroad will need to rely on private travel health insurance or pay for the services out of pocket. However, the Ministry of Health will continue to reimburse eligible claims that were rendered on or before December 31, 2019. Keep in mind, the timeframe for submitting claims is 12 months from the date of service, so be sure to submit any outstanding claims before December 31, 2020.

In terms of exceptions, OHIP will continue to cover Ontarians with chronic kidney disease who may require regular treatment by hemodialysis, according to the Ontario Renal Network. Dialysis patients can expect to receive the same reimbursement rates as currently provided through existing programs, amounting to roughly $210 per treatment.


The benefit of private travel health insurance

With OHIP reducing coverage, Ontarians who frequently travel outside the country may want to consider purchasing travel health insurance. The Government of Canada recommends that every resident sign up for the best travel health insurance they can afford, whether they are taking a lengthy overseas vacation or crossing the United States border for shopping. Since foreign hospitals can be expensive and may require upfront payment, a comprehensive travel health insurance plan may help offset your out-of-country medical costs and ensure you can get the treatment you need in an emergency.

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Please note that travel insurance products are currently not available to residents of the Province of Quebec. SVP prendre note que nos produits d’assurances voyages ne sont pas présentement offerts aux résidents de la province du Québec. *Coverage as low as $20 is an example based on a 29 year old traveller purchasing the Gold Emergency Medical Single Trip Plan for a 6 day trip with no deductible; actual cost of insurance is $19.98. Prices vary based on individual needs.

Insurance underwritten by AIG Insurance Company of Canada (AIG Canada), with its principal place of business at 120 Bremner Boulevard, Suite 2200, Toronto, ON M5J 0A8. All policies are administered on AIG Canada’s behalf by Travel Guard Group Canada, Inc. (Travel Guard). The coverage described herein is a summary only. It does not include all terms, conditions, limitations, exclusions and termination provisions of the Travel Guard products available. Please review full policy language for complete coverage details.