Travel Insurance

Q&A: Do I absolutely need travel insurance within Canada?

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Question by D-Rock CANUCKS: Do I absolutely need travel insurance within Canada?
I live in B.C. and am taking a road trip over to Alberta for 2 weeks, and am curious… In the worst case scenario, what is the most I will have to pay out of my pocket in case of an accident if I don’t purchase travel insurance? Is it worth it? I heard some sites saying the most I will end up paying is about 3 or 4 hundred dollars for ambulance rides and prescriptions, if I even pay anything at all… Some sites say that I DO need it, but don’t say how much I can risk losing if I don’t have it.

Only answer if you know for sure, as this is very important and could potentially cost me a lot of money due to an incorrect answer.

Thanks in advance for your help!

Best answer:

Answer by Eden Path
Yes, you might get attacked by canaidian geese and moose

Add your own answer in the comments!

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  • I haven’t heard of Canadians buying travel insurance for within Canada. It’s for out of the country, especially the US where the prices for medical care are so high that what your Canadian insurance covers is likely to fall short by thousands. If you’re covered by your provincial health plan, then you’re covered while visiting another province. You’d probably pay for an ambulance in BC and you’d pay for prescriptions there too, so it’s no different than needing medical care at home. Most travel insurance plans have deductibles anyway and a small amount like $ 400 wouldn’t be covered.

  • It depends on the details of your provincial health plan, not all provinces will cover you for emergency treatment when you’re away from home, you should be able to call them and ask. If you have extra cover through work or blue cross I’d check it doesn’t include travel insurance, my current employer provides full medical cover across Canada and the US.

    The BC Medical Services Plan states of Out of Province Emergency Medical Care:
    Most physicians in other Canadian provinces and territories (except Quebec) will bill their own provincial health plan for services provided if you present your valid B.C. CareCard. The provinces recover the funding monthly between each other. B.C. residents are strongly advised to purchase additional health insurance when travelling to other Canadian provinces to cover the cost of services not included in the reciprocal agreement between provinces.

    I know that my Alberta health plan will pay for treatment in another province if they would normally cover the cost if I were in Alberta, so long as all diagnostics and treatments take place in a publicly funded hospital. But if I need to stay in another province to continue treatment they won’t cover the costs of accommodation, food, or transportation.

    If your health plan won’t cover an emergency trip to the hospital then you’ll have to pay at least $ 500 before they even let you near a physician, then the physician’ll charge you a minimum of $ 200 for his services and then you might be given a prescription that costs $ 80 to fill (I was lucky I had travel insurance to claim that back when I first moved here) . Ground and Air Ambulances are not insured services in Alberta, and inter-provincial reciprocal health care agreements do not cover those costs, so if you need one you’ll be paying for it! And the worst case senario? If you’re sick and need to get flown home, it’s nice to have someone else pay for it all.

    A couple of weeks travel cover will probably cost $ 40-60 and a full year of cover shouldn’t cost much more.

  • If you are a Canadian citizen then why would you need to get health insurance? It is your own country and you pay into the system. It’s not like the American system. If you were going from Canada to the US you would need it or you were going anywhere else in the world other than Canada then you would need it.

  • If you are a Canadian citizen and covered by provincial health plan then no need of any other insurance unless you are travelling to US.However,I would suggest you to once speak with insurance provider or your state health care agency to clarify your doubt.Hope it helps you!