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Article #195: Why Bother with Travel Insurance if you're a Canadian Travelling Within Canada?

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Whatever your politics, whatever your Podiatrists and Osteopaths, chiropractors
religion, and whether youre wealthy or and physiotherapists, may or may not be
not so well off, we Canadians are indeed covered depending on a variety of
a blessed people when compared with most factors. Even ambulance services,
of the rest of the world. Anyone who prescribed medications and long-term care
doesnt recognize this obviously hasnt services may only be partially covered
done much travelling outside of Canada, depending on the circumstances.
or simply has a very particular grievance The facts are that OHIP is not unique in
of some sort against some aspect of this regard. Each Province and Territory
Canada. has its own rules and regulations, and
For the most part, Canada works, and from its often quite a challenge to figure out
sea to shining sea, from our southern exactly what they are.
border to the icy north, we are This is one good reason that smart
collectively better off than most of the travellers within Canada arm themselves
rest of the worlds population. You know with Travel Insurance.
this to be true if youve been outside of There are other reasons for purchasing
our borders for any length of time. travel insurance for travel within
Physically, our great land is so varied, Canada,
and so vast, that in fact it would be Some of these include:
possible to spend every vacation right Baggage Insurance What difference would
here in Canada, never leaving the it make if you were traveling from
country, and barely even scratch the Vancouver to Halifax or from Toronto to
surface of what there is to see and do, Singapore if your baggage was lost or
and still have a great vacation every stolen? Baggage insurance would protect
time. you either way.
One of the things we can be most proud of Trip cancellation or trip interruption
is our health care system. Yes, its not insurance Imagine that youve reserved
perfect, but how many things are? And, expensive hotel rooms and other services
fortunately, as a Canadian traveling for your vacation within Canada, and you
within our own borders, our various are forced at the last minute to cancel
Provincial and Territorial health care or abandon your trip. You could be out of
plans cover us for the most part, in the pocket a great deal of money. This kind
event of accident or tragedy that injures of travel insurance could restore your
our health while travelling outside of out of pocket expenses.
the province or territory of our Emergency Medical Insurance It would be
residence, but still within Canada. comforting to know that if the
However, it may interest you to know unimaginable were to occur, and you were
(especially if your next vacation is involved in an accident while on
going to be within Canada), that there vacation, that you and/or your family
are gaps in the Provincial and members/fellow travelers would not have
Territorial Health Care Plans, that may to worry about the costs of prescription
leave you considerably out of pocket drugs from pharmacies, home care
under certain conditions, and this is services, ambulance services, long-term
precisely why smart travellers opt to care services, dental and cosmetic
purchase travel insurance even when surgery if needed, and other health care
traveling within Canada. services that may be needed or desired.
Using the Ontario Health Insurance Plan Especially when this kind of coverage can
(OHIP) as an example, an Ontario resident be as little as a couple of dollars
travelling to Alberta, who had an daily.
accident which resulted in chipped teeth, For the few extra dollars per day that it
but did not require a hospital visit, costs, travel insurance is easy to
would have to bear the full cost of obtain, and buys enormous peace of mind
repairing the damaged teeth themselves. while on your trip.
This could add up to substantially more Remember, in the event of tragedy, you
than the few dollars a day that it would will submit for consideration the costs
typically cost to purchase travel associated with your treatment to your
insurance. There are many similar particular Provincial or Territorial
scenarios. Health Ministry. They will decide the
Although OHIP covers a wide range of extent of your re-imbursement.
medical services, it does not pay for Given how inexpensive these kinds of
services that are deemed not medically insurance can be, do you still want to
necessary, such as cosmetic surgery. It not bother with travel insurance when
is unlikely that OHIP would pay the full travelling within Canada?
cost of cosmetically restoring the The information collected and compiled
disfigurement that many accidents cause. here is for general reference only.
Many other health care services are only Always speak with a licensed insurance
partially covered, or may not be covered representative to answer your specific
at all. Medical services such as questions.






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