Travelling within Canada – what’s covered by your GHIP?
If you require emergency medical care in another Canadian province or territory, you can see a doctor or visit a hospital without having to pick up the tab. The Canada Health Act requires all provinces and territories to extend GHIP coverage to residents who are temporarily elsewhere in Canada. Each province has their own limit for how long you can be away from home and still have access to coverage. Visit your local ministry of health website for more details on coverage requirements, limits and exceptions.
In most cases, the province you’re visiting will bill your home province directly. You won’t have to cover costs upfront – unless you’re visiting Quebec. As the only province not to sign an interprovincial billing agreement, visitors of Quebec may have to pay for medical costs and then submit claims for reimbursement to their home province. In some cases, this also may be true for Quebec residents visiting other provinces.
Wherever you are, you’ll need your health card to prove you’re insured. Don’t forget to bring it with you.
What’s not covered within Canada?
Not all medical expenses are covered by your GHIP if you’re outside your home province. Here are just a few of the services you may be on the hook for:
Accidental dental care
Transportation back home
In addition, your insurance coverage for emergency medical care may only amount to the cost of the service in your home province; you pay the difference if fees are higher in the province you're visiting.
If you have group health insurance through your employer, check to see whether your plan covers these expenses. If not, see how a travel insurance plan can fill the gap, so you can enjoy your travels across Canada to the fullest.