{"id":8691,"date":"2026-03-30T07:00:00","date_gmt":"2026-03-30T11:00:00","guid":{"rendered":"https:\/\/www.rbcinsurance.com\/en-ca\/2020\/08\/25\/understanding-your-out-of-province-government-medical-coverage\/"},"modified":"2026-03-31T15:56:56","modified_gmt":"2026-03-31T19:56:56","slug":"understanding-your-out-of-province-government-medical-coverage","status":"publish","type":"post","link":"https:\/\/www.rbcinsurance.com\/en-ca\/advice-learning\/travel-insurance\/understanding-your-out-of-province-government-medical-coverage","title":{"rendered":"Travelling Within Canada and Beyond: What Your Provincial Health Insurance Covers"},"content":{"rendered":"\n<div class=\"wp-block-rbc-template-selector templateSelector template__article articleSingle\" data-template=\"article\">\n<div class=\"wp-block-group articleSingle__container tabListStickyWrapper is-layout-flow wp-block-group-is-layout-flow\">\n<div class=\"wp-block-group articleSingle__container__hero is-layout-flow wp-block-group-is-layout-flow\">\n<div class=\"wp-block-group articleSingle__container__hero__inner is-layout-flow wp-block-group-is-layout-flow\">\n<span class=\"rbc-yoast-breadcrum-span\"><span><a href=\"https:\/\/www.rbcinsurance.com\/en-ca\/\">Home<\/a><\/span><\/span>\n\n\n\n<div class=\"wp-block-group articleSingle__featuredImage__group is-layout-flow wp-block-group-is-layout-flow\">\n<div class=\"wp-block-group articleSingle__title__group is-layout-flow wp-block-group-is-layout-flow\"><h1 class=\"wp-block-post-title\">Travelling Within Canada and Beyond: What Your Provincial Health Insurance Covers<\/h1>\n\n\n<div class=\"wp-block-group articleSingle__date__group is-layout-flow wp-block-group-is-layout-flow\"><div class=\"wp-block-post-date\"><time datetime=\"2026-03-30T07:00:00-04:00\">March 30, 2026<\/time><\/div>\n\n\n<span class=\"wp-block-rbc-html-element articleSingle__readTime\">15 Min Read<\/span>\n<\/div>\n\n\n\n<div class=\"wp-block-group articleSingle__author__group is-layout-flow wp-block-group-is-layout-flow\">\n<img decoding=\"async\" src=\"https:\/\/www.rbcinsurance.com\/en-ca\/wp-content\/uploads\/sites\/2\/2021\/06\/Avatar.webp?quality=80&w=128\" alt=\"Sandy Yong\">\n\n\n\n<div class=\"wp-block-group articleSingle__author__details is-layout-flow wp-block-group-is-layout-flow\">\n<span class=\"wp-block-rbc-html-element articleSingle__author__name\">Sandy Yong<\/span>\n\n\n\n<span class=\"wp-block-rbc-html-element articleSingle__author__designation\"><\/span>\n<\/div>\n<\/div>\n<\/div>\n\n\n<figure class=\"articleSingle__featuredImage wp-block-post-featured-image\"><img loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"683\" src=\"https:\/\/www.rbcinsurance.com\/en-ca\/wp-content\/uploads\/sites\/2\/2021\/06\/shutterstock_1572365638_edit_386cce.webp?quality=80&amp;w=1024\" class=\"attachment-post-thumbnail size-post-thumbnail wp-post-image\" alt=\"Travelling Within Canada and Beyond: What Your Provincial Health Insurance Covers\" 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this article\t\t<\/p>\n\t\t<div class=\"social-links mob-mar-b-hlf mob-mar-t-hlf\">\n\t\t\t\t\t<a class=\"social-button-wrapper sharing-custom sharing-email\" href=\"mailto:?subject=Travelling Within Canada and Beyond: What Your Provincial Health Insurance Covers &#038;body=Hi, I thought you might be interested in this article from RBC Insurance: https:\/\/www.rbcinsurance.com\/en-ca\/advice-learning\/travel-insurance\/understanding-your-out-of-province-government-medical-coverage\">\n\t\t\t\t<img decoding=\"async\" src=\"https:\/\/www.rbcinsurance.com\/en-ca\/wp-content\/plugins\/rbc-blocks\/assets\/img\/icons\/icon-email.svg\"\n\t\t\t\talt=\"envelope icon\">\n\t\t\t\t<span>\n\t\t\t\tEmail\t\t\t\t<\/span>\n\t\t\t<\/a>\n\t\t<div class=\"social-button-wrapper sharing-copy-wrapper\">\n\t\t\t<button class=\"sharing-custom sharing-copy\" data-url=\"https:\/\/www.rbcinsurance.com\/en-ca\/advice-learning\/travel-insurance\/understanding-your-out-of-province-government-medical-coverage\">\n\t\t\t<img\n\t\t\t\tsrc=\"https:\/\/www.rbcinsurance.com\/en-ca\/wp-content\/plugins\/rbc-blocks\/assets\/img\/icons\/icon-related.svg\"\n\t\t\t\talt=\"copy icon\">\n\t\t\t<span id=\"sharing-copyUrl-Label\">\n\t\t\t\tCopy URL\t\t\t<\/span>\n\t\t\t<\/button>\n\t\t\t<input type=\"text\" class=\"sharing-copy-text\" aria-labelledby=\"sharing-copyUrl-Label\">\n\t\t<\/div>\n\t<\/div>\n  \t\t<\/div>\t\n\t\t\n\n\n<div class=\"wp-block-rbc-tabs-list tabsList\" data-switch=\"lgBp\" data-target-heading=\"h2\"><p class=\"tabsList__heading\">On this page<\/p><div class=\"tabsList__wrapper\"><button class=\"selectDropdown__button\" aria-haspopup=\"listbox\" aria-expanded=\"false\"><span class=\"selectDropdown__title\">What your provincial health insurance covers when travelling within Canada<\/span><span class=\"selectDropdown__chevron\"><\/span><\/button><ul class=\"tabsList__items selectDropdown__list\"><li class=\"selectDropdown__list__item tabsList__item selected\"><a href=\"#h-what-your-provincial-health-insurance-covers-when-travelling-within-canada\">What your provincial health insurance covers when travelling within Canada<\/a><\/li><li class=\"selectDropdown__list__item tabsList__item \"><a href=\"#h-what-your-provincial-health-insurance-covers-when-travelling-outside-of-canada\">What your provincial health insurance covers when travelling outside of Canada<\/a><\/li><li class=\"selectDropdown__list__item tabsList__item \"><a href=\"#h-out-of-province-medical-coverage-across-canada\">Out-of-province medical coverage across Canada<\/a><\/li><li class=\"selectDropdown__list__item tabsList__item \"><a href=\"#h-why-you-need-travel-insurance-within-canada\">Why you need travel insurance within Canada<\/a><\/li><li class=\"selectDropdown__list__item tabsList__item \"><a href=\"#h-securing-travel-protection-when-you-leave-the-country\">Securing travel protection when you leave the country<\/a><\/li><li class=\"selectDropdown__list__item tabsList__item \"><a href=\"#h-rbc-travel-insurance\">RBC Travel Insurance<\/a><\/li><\/ul><\/div><\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-group articleSingle__content__main tabListHeadings is-layout-flow wp-block-group-is-layout-flow\">\n<section class=\"wp-block-rbc-section-block  pos-rel\" style=\"border-radius:0px\">\n<div class=\"wp-block-rbc-section-inner-block  section-inner\" style=\"border-radius:0x\">\n<p>Whether you\u2019re taking a cross-Canada road trip or you\u2019re a snowbird looking to flock down south for the winter, it\u2019s a common assumption that your provincial health insurance covers all your medical needs.<\/p>\n\n\n\n<p>In reality, the type and amount of coverage vary by province or territory. So, before you leave your home province, even for a short or extended period, be sure to understand which medical services are covered and which aren\u2019t.<\/p>\n\n\n\n<p>Read on to find out what health coverage you receive while travelling within and outside of Canada. Plus, we\u2019ll explain what\u2019s not covered under your provincial or territorial health plan and why having supplemental travel insurance can be essential to protecting your well-being.<\/p>\n\n\n\n<div class=\"wp-block-rbc-callout-card calloutCard calloutCard__article  faqs is-style-plain-text\">\n<h3 class=\"wp-block-heading calloutCard__article__heading\" id=\"h-key-takeaways\">Key takeaways<\/h3>\n\n\n\n<ul class=\"wp-block-rbc-list is-style-blue-disc\">\n<li class=\"wp-block-rbc-list-item\">\n<p>Under the Canada Health Act, Canadian residents are entitled to receive basic medical coverage while travelling within and outside of Canada.<\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item\">\n<p>Quebec is not part of the reciprocal medical billing agreement, so you\u2019ll be required to pay out-of-pocket and submit a claim for reimbursement.<\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item\">\n<p>Ambulance services, treatment at private medical facilities, or prescription drugs from a pharmacy aren\u2019t typically covered.<\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item\">\n<p>Always carry a valid health card with you during your trip to receive insured medical services.<\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item\">\n<p>If you\u2019re away from your home province or territory for an extended period, be sure to contact your provincial or territorial public health insurance provider.<\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item\">\n<p>Consider obtaining private travel insurance to ensure you\u2019re covered for medical services that aren\u2019t paid for by your province or territory\u2019s health insurance plan.<\/p>\n<\/li>\n<\/ul>\n<\/div>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-what-your-provincial-health-insurance-covers-when-travelling-within-canada\">What your provincial health insurance covers when travelling within Canada<\/h2>\n\n\n\n<p>No matter if you\u2019re hiking up the Rocky Mountains or driving along the Cabot Trail, Canadians receive some basic medical coverage while they\u2019re travelling within Canada. The federal government designed the <a href=\"https:\/\/www.canada.ca\/en\/health-canada\/services\/health-care-system\/canada-health-care-system-medicare\/canada-health-act.html\" target=\"_blank\" data-dig-id=\"LP-TravelInsurance-35509-e14eed0c\" data-dig-category=\"LP-TravelInsurance\" data-dig-action=\"link click\" data-dig-label=\"Canada Health Act\" class=\"rbc-link-format externalsite-link\" data-icon-class=\"externalsite-link\" rel=\"noreferrer noopener\">Canada Health Act<\/a>, which sets out the standard of care for all provinces and territories. That means you can visit a family doctor or a hospital anywhere in Canada (except for Quebec), since the government health insurance plan (GHIP) is publicly funded.<\/p>\n\n\n\n<p>Essentially, it\u2019s a <a href=\"https:\/\/www.canada.ca\/en\/health-canada\/services\/health-care-system\/canada-health-care-system-medicare\/canada-health-act\/how-publicly-funded-coverage-works.html#Health_services_insured\" target=\"_blank\" data-dig-id=\"LP-TravelInsurance-35509-2e383ee5\" data-dig-category=\"LP-TravelInsurance\" data-dig-action=\"link click\" data-dig-label=\"reciprocal medical billing agreement\" class=\"rbc-link-format externalsite-link\" data-icon-class=\"externalsite-link\" rel=\"noreferrer noopener\">reciprocal medical billing agreement<\/a> whereby, when you visit another province or territory and present your <a href=\"https:\/\/www.canada.ca\/en\/health-canada\/services\/health-cards.html\" target=\"_blank\" data-dig-id=\"LP-TravelInsurance-35509-96719f80\" data-dig-category=\"LP-TravelInsurance\" data-dig-action=\"link click\" data-dig-label=\"valid health card\" class=\"rbc-link-format externalsite-link\" data-icon-class=\"externalsite-link\" rel=\"noreferrer noopener\">valid health card<\/a> to receive a covered medical service, you likely won&#8217;t have to pay any out-of-pocket costs.<\/p>\n\n\n\n<p>Be aware that Quebec isn\u2019t part of the reciprocal program. So, visitors to Quebec who see a physician or go to a hospital will need to pay up front for medical treatment. They can submit a claim afterward through their provincial or territorial public health insurance plan for reimbursement.<\/p>\n\n\n\n<p>Keep in mind that each province and territory sets its own guidelines for which medical services are covered. Also, medical coverage is limited, and reimbursement is based on the home province\u2019s rate and in Canadian funds. So, you\u2019ll need to pay for any additional charges above what your provincial or territorial health care plan reimburses you for. For example, if you visit another province and they charge $500 for a medical service, but your home province only covers $400, you\u2019ll be on the hook for the $100 difference.<\/p>\n\n\n\n<p>Uninsured medical services, such as cosmetic procedures, private duty nursing services, or prescription drugs, aren&#8217;t usually covered. As a result, the patient will need to pay out of pocket.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-what-your-provincial-health-insurance-covers-when-travelling-outside-of-canada\">What your provincial health insurance covers when travelling outside of Canada<\/h2>\n\n\n\n<p>Your provincial or territorial health insurance plan may provide emergency medical services when you\u2019re outside of the country. However, even if they do, if the country you\u2019re visiting charges more than your provincial coverage, you\u2019ll have to pay the difference.<\/p>\n\n\n\n<p>To ensure you have sufficient coverage, additional <a href=\"https:\/\/www.rbcinsurance.com\/en-ca\/travel-insurance\/travel-medical-insurance\/\" data-dig-id=\"LP-TravelInsurance-35509-319b0281\" data-dig-category=\"LP-TravelInsurance\" data-dig-action=\"link click\" data-dig-label=\"travel medical insurance\" class=\"rbc-link-format\">travel medical insurance<\/a> is an affordable way to protect you and your family while travelling.<\/p>\n\n\n\n<p>Read more: <a href=\"https:\/\/www.rbcinsurance.com\/en-ca\/advice-learning\/travel-insurance\/international-travel-health-insurance-what-to-know\/\" data-dig-id=\"LP-TravelInsurance-35509-17e33141\" data-dig-category=\"LP-TravelInsurance\" data-dig-action=\"link click\" data-dig-label=\"What you need to know about international travel medical insurance\" class=\"rbc-link-format\">What you need to know about international travel medical insurance<\/a>.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-out-of-province-medical-coverage-across-canada\">Out-of-province medical coverage across Canada<\/h2>\n\n\n\n<p>Read on to understand the breakdown of the type of out-of-province medical coverage you\u2019d be eligible for across Canada.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-alberta-health-care-insurance-plan-ahcip\">Alberta Health Care Insurance Plan (AHCIP)<\/h3>\n\n\n\n<p><a href=\"https:\/\/www.alberta.ca\/ahcip-coverage-in-canada\" target=\"_blank\" data-dig-id=\"LP-TravelInsurance-35509-41fb2ad0\" data-dig-category=\"LP-TravelInsurance\" data-dig-action=\"link click\" data-dig-label=\"AHCIP\" class=\"rbc-link-format externalsite-link\" data-icon-class=\"externalsite-link\" rel=\"noreferrer noopener\">AHCIP<\/a> provides coverage for insured physicians and hospital services in other provinces and territories. Generally, when you present your AHCIP card to a medical or hospital service provider in another province to receive insured services, you don\u2019t have to pay any fees.<\/p>\n\n\n\n<p>If you visit a physician in Quebec, you may have to pay up front. However, you can submit a receipt to AHCIP for reimbursement. If you use a private facility in another province or territory, you\u2019re responsible for covering the facility fees, including laboratory services, MRIs, and accommodation.<\/p>\n\n\n\n<p>There is limited coverage for physician and hospital costs <a href=\"https:\/\/www.alberta.ca\/ahcip-coverage-outside-canada\" target=\"_blank\" data-dig-id=\"LP-TravelInsurance-35509-37cbd93e\" data-dig-category=\"LP-TravelInsurance\" data-dig-action=\"link click\" data-dig-label=\"outside of Canada\" class=\"rbc-link-format externalsite-link\" data-icon-class=\"externalsite-link\" rel=\"noreferrer noopener\">outside of Canada<\/a>. For expenses incurred outside the country, AHCIP may cover up to $100\/day for inpatient hospital services and up to $50\/day for outpatient services.<\/p>\n\n\n\n<p>Travellers are responsible for paying the health service provider first and can then <a href=\"https:\/\/www.alberta.ca\/ahcip-submit-claim\" target=\"_blank\" data-dig-id=\"LP-TravelInsurance-35509-37a4ff4c\" data-dig-category=\"LP-TravelInsurance\" data-dig-action=\"link click\" data-dig-label=\"submit a claim to the AHCIP office\" class=\"rbc-link-format externalsite-link\" data-icon-class=\"externalsite-link\" rel=\"noreferrer noopener\">submit a claim to the AHCIP office<\/a> for reimbursement of eligible out-of-country health expenses. You\u2019ll be responsible for paying the difference between the amount charged and the amount AHCIP reimburses.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-british-columbia-medical-service-plan-msp\">British Columbia Medical Service Plan (MSP)<\/h3>\n\n\n\n<p><a href=\"https:\/\/www2.gov.bc.ca\/gov\/content\/health\/health-drug-coverage\/msp\/bc-residents\/benefits\/services-covered-by-msp\/medical-benefits\/medical-benefits-outside-of-british-columbia\" target=\"_blank\" data-dig-id=\"LP-TravelInsurance-35509-158da622\" data-dig-category=\"LP-TravelInsurance\" data-dig-action=\"link click\" data-dig-label=\"British Columbia\u2019s Medical Service Plan\" class=\"rbc-link-format externalsite-link\" data-icon-class=\"externalsite-link\" rel=\"noreferrer noopener\">British Columbia\u2019s Medical Service Plan<\/a>&nbsp;will help pay for unexpected medical services outside of the province if MSP normally insures them. You will need to present your valid B.C. Services Card to receive treatment. Typically, the physician will bill directly to their provincial plan. Reimbursement for physician services will be processed in Canadian funds, and any excess costs are your responsibility. When travelling to Quebec or outside of Canada, you will likely pay out of pocket for medical services and then receive reimbursement from MSP.<\/p>\n\n\n\n<p>MSP does not provide any coverage for treatment provided by a non-physician health care practitioner (such as a physician assistant, nurse practitioner, chiropractor, or physical therapist), prescription drugs, medical supplies, or ambulance services outside the province.<\/p>\n\n\n\n<p>The province will pay up to $75\/day for emergency hospital services outside of Canada. If you receive elective (non-emergency) medical care outside of the country, then you\u2019ll need pre-approval from a B.C. specialist to receive partial coverage for your medical services. Experimental or developmental treatment is not eligible for coverage.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-manitoba-health-seniors-and-long-term-care-nbsp\">Manitoba Health, Seniors and Long-Term Care&nbsp;<\/h3>\n\n\n\n<p>Manitobans who travel within Canada are still covered by&nbsp;<a href=\"https:\/\/www.gov.mb.ca\/health\/mhsip\/out-of-province-coverage.html#section-one\" target=\"_blank\" data-dig-id=\"LP-TravelInsurance-35509-98c0e619\" data-dig-category=\"LP-TravelInsurance\" data-dig-action=\"link click\" data-dig-label=\"Manitoba Health, Seniors and Long-Term Care\" class=\"rbc-link-format externalsite-link\" data-icon-class=\"externalsite-link\" rel=\"noreferrer noopener\">Manitoba Health, Seniors and Long-Term Care<\/a> if they present their Manitoba Health card to a hospital or other medical care centre.<\/p>\n\n\n\n<p>Travellers admitted on an emergency basis to a hospital outside Canada are covered by the province for services at established daily rates, but are responsible for some costs. Physician services are covered at the same&nbsp;<a href=\"https:\/\/www.gov.mb.ca\/health\/documents\/physmanual.pdf\" target=\"_blank\" data-dig-id=\"LP-TravelInsurance-35509-b9d10a80\" data-dig-category=\"LP-TravelInsurance\" data-dig-action=\"link click\" data-dig-label=\"rates paid to Manitoba doctors\" class=\"rbc-link-format externalsite-link\" data-icon-class=\"externalsite-link\" rel=\"noreferrer noopener\">rates paid to Manitoba doctors<\/a>.<\/p>\n\n\n\n<p>If you\u2019re approved to see a specialist or to receive hospital care outside Manitoba but within Canada, the other province will send the bill directly to Manitoba Health, Seniors and Long-Term Care. In most cases, you do not have to pay out-of-pocket expenses.<\/p>\n\n\n\n<p>Also, if you visit the United States for referred medical care that\u2019s been approved, then your doctor bill will be covered at the Manitoba rate, and you\u2019ll receive up to 75 per cent coverage for insured hospital services.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-new-brunswick-medicare\">New Brunswick Medicare<\/h3>\n\n\n\n<p><a href=\"https:\/\/www2.gnb.ca\/content\/gnb\/en\/departments\/health\/DrugPlans\/content\/medicare\/CoverageandClaimsOutsideNewBrunswickwithinCanada.html\" target=\"_blank\" data-dig-id=\"LP-TravelInsurance-35509-b4293b82\" data-dig-category=\"LP-TravelInsurance\" data-dig-action=\"link click\" data-dig-label=\"New Brunswick Medicare\" class=\"rbc-link-format externalsite-link\" data-icon-class=\"externalsite-link\" rel=\"noreferrer noopener\">New Brunswick Medicare<\/a>&nbsp;will cover insured physician or hospital services in all provinces and territories, except for Quebec, upon presentation of a Medicare card. If you\u2019re having genetic screening or experimental procedures from a physician from another province or territory, you may submit a claim, but there\u2019s no guarantee that you\u2019ll be reimbursed.<\/p>\n\n\n\n<p>If you\u2019re seeing a physician in Quebec, the physician may bill you directly or New Brunswick Medicare. If you\u2019re eligible for reimbursement, it\u2019ll be based on the New Brunswick rate, which may be less than the physician\u2019s rate.<\/p>\n\n\n\n<p>When <a href=\"https:\/\/www2.gnb.ca\/content\/gnb\/en\/departments\/health\/services\/services_renderer.9115.Medicare_-_Submitting_a_Claim_for_Out-of-Country_Services.html\" target=\"_blank\" data-dig-id=\"LP-TravelInsurance-35509-b7db5a12\" data-dig-category=\"LP-TravelInsurance\" data-dig-action=\"link click\" data-dig-label=\"travelling outside of Canada\" class=\"rbc-link-format externalsite-link\" data-icon-class=\"externalsite-link\" rel=\"noreferrer noopener\">travelling outside of Canada<\/a>, the plan will cover emergency hospital and physician services, and medical services for which you received prior approval, at a maximum of $100\/day for inpatient services and $50\/day for outpatient services.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-newfoundland-and-labrador-medical-care-plan-mcp\">Newfoundland and Labrador Medical Care Plan (MCP)<\/h3>\n\n\n\n<p>The province provides limited coverage for travellers under the&nbsp;<a href=\"https:\/\/www.gov.nl.ca\/hcs\/mcp\/\" target=\"_blank\" data-dig-id=\"LP-TravelInsurance-35509-08f455d0\" data-dig-category=\"LP-TravelInsurance\" data-dig-action=\"link click\" data-dig-label=\"Medical Care Plan (MCP)\" class=\"rbc-link-format externalsite-link\" data-icon-class=\"externalsite-link\" rel=\"noreferrer noopener\">Medical Care Plan (MCP)<\/a>&nbsp;and the&nbsp;<a href=\"https:\/\/www.gov.nl.ca\/hcs\/mcp\/hospitalplan\/\" target=\"_blank\" data-dig-id=\"LP-TravelInsurance-35509-20781151\" data-dig-category=\"LP-TravelInsurance\" data-dig-action=\"link click\" data-dig-label=\"Hospital Insurance Plan\" class=\"rbc-link-format externalsite-link\" data-icon-class=\"externalsite-link\" rel=\"noreferrer noopener\">Hospital Insurance Plan<\/a>.<\/p>\n\n\n\n<p>MCP covers only insured medical services within Canada, except for Quebec. Generally, you\u2019ll be covered for a visit to the doctor or hospital, surgical procedures, maternity care, radiology interpretive services, and select medically necessary surgical-dental procedures performed in a hospital.<\/p>\n\n\n\n<p>If you receive insured medical treatment in Quebec, you\u2019ll first pay out of pocket and then submit a claim for reimbursement through MCP.<\/p>\n\n\n\n<p><\/p>\n\n\n\n<p>The provincial plan typically doesn\u2019t cover ambulance services, whether in Canada or abroad. When travelling outside of Canada, the Hospital Insurance Plan will cover up to $350\/day for a stay in a community or regional hospital, or up to $465\/day for a stay in a tertiary or specialized hospital. For outpatient services, the coverage is up to $62\/day. For hemodialysis, the maximum coverage is $330\/day. Individuals who leave the province for more than 30 days will need an&nbsp;<a href=\"https:\/\/www.gov.nl.ca\/hcs\/mcp\/outofprovincecoverage\/\" target=\"_blank\" data-dig-id=\"LP-TravelInsurance-35509-490d120c\" data-dig-category=\"LP-TravelInsurance\" data-dig-action=\"link click\" data-dig-label=\"out-of-province coverage certificate\" class=\"rbc-link-format externalsite-link\" data-icon-class=\"externalsite-link\" rel=\"noreferrer noopener\">out-of-province coverage certificate<\/a>.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-nova-scotia-medical-services-insurance-msi\">Nova Scotia Medical Services Insurance (MSI)<\/h3>\n\n\n\n<p><a href=\"https:\/\/www.novascotia.ca\/programs-and-services\/nova-scotia-health-insurance-program\" target=\"_blank\" data-dig-id=\"LP-TravelInsurance-35509-5e16039b\" data-dig-category=\"LP-TravelInsurance\" data-dig-action=\"link click\" data-dig-label=\"MSI\" class=\"rbc-link-format externalsite-link\" data-icon-class=\"externalsite-link\" rel=\"noreferrer noopener\">MSI<\/a>&nbsp;will provide coverage to Nova Scotia residents for medically necessary expenses incurred anywhere in the country, upon presentation of a valid health card, except for Quebec for physician services.<\/p>\n\n\n\n<p>For out-of-country medical care, MSI will cover emergency medical services only, at Nova Scotia rates. The current rate for emergency in-patient services in-province is $525 per day, plus 50 per cent of ancillary fees incurred during an in-patient stay. When seeing a doctor due to an accident or sudden illness, the service is covered at Nova Scotia rates.<\/p>\n\n\n\n<p>The program will not cover ambulance services, pharmacare, children\u2019s dental programs, routine vision analysis, or any out-patient charges, including X-ray, diagnostic tests, and laboratory charges.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-nunavut-health-care-plan\">Nunavut Health Care Plan<\/h3>\n\n\n\n<p>For <a href=\"https:\/\/www.gov.nu.ca\/en\/health\/about-nunavut-health-care-plan\" target=\"_blank\" data-dig-id=\"LP-TravelInsurance-35509-2911bf24\" data-dig-category=\"LP-TravelInsurance\" data-dig-action=\"link click\" data-dig-label=\"residents of Nunavut\" class=\"rbc-link-format externalsite-link\" data-icon-class=\"externalsite-link\" rel=\"noreferrer noopener\">residents of Nunavut<\/a>, the province provides coverage for physician services and hospital visits in Canada. The coverage may include treatment of an illness or injury, obstetrical care, and surgery. If you\u2019re visiting a hospital, your stay and meals at the ward level, necessary nursing services, and diagnostic procedures are generally covered. However, dental services, optometric services, or physical examinations aren\u2019t covered.<\/p>\n\n\n\n<p>If you\u2019re leaving the country, the <a href=\"https:\/\/www.gov.nu.ca\/en\/health\/travelling-outside-canada\" target=\"_blank\" data-dig-id=\"LP-TravelInsurance-35509-4b4f13e2\" data-dig-category=\"LP-TravelInsurance\" data-dig-action=\"link click\" data-dig-label=\"Nunavut Health Care Plan\" class=\"rbc-link-format externalsite-link\" data-icon-class=\"externalsite-link\" rel=\"noreferrer noopener\">Nunavut Health Care Plan<\/a> will cover limited costs for emergency health services at the province\u2019s physician fee schedule and hospital reciprocal rates. Ground and air ambulance services are not covered.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-nwt-health-care-plan\">NWT Health Care Plan<\/h3>\n\n\n\n<p><a href=\"https:\/\/www.hss.gov.nt.ca\/en\/services\/nwt-health-care-plan\/general-information-residents#what-does-your-health-care-card-cover-\" target=\"_blank\" data-dig-id=\"LP-TravelInsurance-35509-0933dcd9\" data-dig-category=\"LP-TravelInsurance\" data-dig-action=\"link click\" data-dig-label=\"Residents of the Northwest Territories\" class=\"rbc-link-format externalsite-link\" data-icon-class=\"externalsite-link\" rel=\"noreferrer noopener\">Residents of the Northwest Territories<\/a> have coverage for medically necessary services from a physician or hospital in Canada. However, ground ambulance services or medevacs aren\u2019t covered.<\/p>\n\n\n\n<p>If you\u2019re travelling outside of Canada, you can get coverage for medically necessary services, such as in the event of a sudden illness or emergency. The coverage amount is based on NWT rates and in Canadian funds.<\/p>\n\n\n\n<p>If you plan to be away for more than 90 days, then you\u2019ll need to submit a <a href=\"https:\/\/www.hss.gov.nt.ca\/en\/services\/applying-temporary-absence-nwt\" target=\"_blank\" data-dig-id=\"LP-TravelInsurance-35509-729bf2fe\" data-dig-category=\"LP-TravelInsurance\" data-dig-action=\"link click\" data-dig-label=\"Temporary Absence Form\" class=\"rbc-link-format externalsite-link\" data-icon-class=\"externalsite-link\" rel=\"noreferrer noopener\">Temporary Absence Form<\/a>. This rule applies to students enrolled in post-secondary studies, high-performance athletes, and snowbirds.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-ontario-health-insurance-plan-ohip\">Ontario Health Insurance Plan (OHIP)<\/h3>\n\n\n\n<p><a href=\"https:\/\/www.ontario.ca\/page\/ohip-coverage-outside-ontario#section-1\" target=\"_blank\" data-dig-id=\"LP-TravelInsurance-35509-7984e29f\" data-dig-category=\"LP-TravelInsurance\" data-dig-action=\"link click\" data-dig-label=\"OHIP\" class=\"rbc-link-format externalsite-link\" data-icon-class=\"externalsite-link\" rel=\"noreferrer noopener\">OHIP<\/a> will cover&nbsp;physician and public hospital services outside of the province upon presentation of a valid health card. For example, it could be a visit to a walk-in clinic or to the ER if you need diagnostic services. Ambulance services, prescription drugs, or fees charged by private hospitals or facilities are not covered.<\/p>\n\n\n\n<p>If you\u2019re leaving Ontario to study, work, or visit another province or territory for more than seven months out of the year, be sure to contact ServiceOntario, as they may require proof of residency or a letter from your employer or educational institution.<\/p>\n\n\n\n<p>Physicians outside of Ontario can choose to bill the province directly, in which case the patient doesn\u2019t pay anything, or to bill the patient, who will be reimbursed upon submitting appropriate documents and invoices to OHIP. <\/p>\n\n\n\n<p>OHIP&nbsp;provides coverage for <a href=\"https:\/\/www.ontario.ca\/page\/ohip-coverage-while-outside-canada\" target=\"_blank\" data-dig-id=\"LP-TravelInsurance-35509-178c68a4\" data-dig-category=\"LP-TravelInsurance\" data-dig-action=\"link click\" data-dig-label=\"out-of-country\" class=\"rbc-link-format externalsite-link\" data-icon-class=\"externalsite-link\" rel=\"noreferrer noopener\">out-of-country<\/a> emergency health services and prior-approved health services. OHIP will cover up to $50\/day for emergency outpatient services. For emergency inpatient services, OHIP will cover $200 to $400 per day, depending on the type of care provided.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-health-pei\">Health PEI<\/h3>\n\n\n\n<p>Prince Edward Island residents are&nbsp;<a href=\"https:\/\/www.princeedwardisland.ca\/en\/information\/health-pei\/pei-health-card\" target=\"_blank\" data-dig-id=\"LP-TravelInsurance-35509-c6d56125\" data-dig-category=\"LP-TravelInsurance\" data-dig-action=\"link click\" data-dig-label=\"covered for medical emergencies or sudden illness\" class=\"rbc-link-format externalsite-link\" data-icon-class=\"externalsite-link\" rel=\"noreferrer noopener\">covered for medical emergencies or sudden illness<\/a>&nbsp;anywhere in Canada, at PEI rates. Costs incurred for non-emergency care received outside the province are insured only with prior approval from Health PEI.<\/p>\n\n\n\n<p>When travelling outside of Canada, coverage is available for emergency or sudden illness up to a set amount. The difference between the medical fees charged and the amount Health PEI will pay is the traveller&#8217;s responsibility. <\/p>\n\n\n\n<p>Be sure to contact PEI Medicare if you plan to leave the province for more than one month to prevent delays in reimbursements.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-la-regie-de-l-assurance-maladie-du-quebec-ramq\">La R\u00e9gie de l\u2019assurance maladie du Qu\u00e9bec (RAMQ)<\/h3>\n\n\n\n<p>Quebec residents who hold a valid health insurance card can receive out-of-province health care services under the&nbsp;<a href=\"https:\/\/www.ramq.gouv.qc.ca\/en\/citizens\/absence-quebec\" target=\"_blank\" data-dig-id=\"LP-TravelInsurance-35509-0c80d519\" data-dig-category=\"LP-TravelInsurance\" data-dig-action=\"link click\" data-dig-label=\"Qu\u00e9bec Health Insurance Plan\" class=\"rbc-link-format externalsite-link\" data-icon-class=\"externalsite-link\" rel=\"noreferrer noopener\">Qu\u00e9bec Health Insurance Plan<\/a>&nbsp;(RAMQ). In most cases, RAMQ reimburses only part of the cost.<\/p>\n\n\n\n<p>If you seek professional services from a doctor, dentist, or optometrist, in or outside Canada, these are generally covered, but at the Qu\u00e9bec rates.<\/p>\n\n\n\n<p>For example, for a patient hospitalized in Ontario for a fracture, the hospital stay is covered, but the doctor&#8217;s professional services <a href=\"https:\/\/www.ramq.gouv.qc.ca\/en\/citizens\/absence-quebec\/know-which-services-are-covered-outside-quebec\" target=\"_blank\" data-dig-id=\"LP-TravelInsurance-35509-898fc634\" data-dig-category=\"LP-TravelInsurance\" data-dig-action=\"link click\" data-dig-label=\"totalling $928, are reimbursed only $422\" class=\"rbc-link-format externalsite-link\" data-icon-class=\"externalsite-link\" rel=\"noreferrer noopener\">totalling $928, are reimbursed only $422<\/a>. The patient is responsible for paying the $506 difference.<\/p>\n\n\n\n<p>In terms of out-of-country expenses, you\u2019ll have to pay the fee upfront and apply for reimbursement. RAMQ will cover up to $100\/day for hospitalization services and up to $50\/day for outpatient services. For hemodialysis and the required medication, RAMQ will cover up to $220\/treatment, regardless of whether the cardholder is hospitalized.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-saskatchewan-health\">Saskatchewan Health<\/h3>\n\n\n\n<p><a href=\"https:\/\/www.saskatchewan.ca\/residents\/health\/prescription-drug-plans-and-health-coverage\/health-benefits-coverage\/out-of-province-and-out-of-canada-coverage\" target=\"_blank\" data-dig-id=\"LP-TravelInsurance-35509-924b4f3e\" data-dig-category=\"LP-TravelInsurance\" data-dig-action=\"link click\" data-dig-label=\"Saskatchewan Health\" class=\"rbc-link-format externalsite-link\" data-icon-class=\"externalsite-link\" rel=\"noreferrer noopener\">Saskatchewan Health<\/a> provides coverage for physician and hospital care across Canada upon presentation of a valid health card. Travellers to Quebec will need to pay for physician services and then submit a bill to Saskatchewan Health for reimbursement at SK rates. Community-based health services such as mental health, alcohol and drug, rehabilitation, or therapy services aren\u2019t covered.<\/p>\n\n\n\n<p>If you purchased a prescription drug elsewhere in Canada, you can submit the receipt to the Saskatchewan Drug Plan and Extended Benefits Branch. If the drug is covered in Saskatchewan, then you could receive reimbursement.<\/p>\n\n\n\n<p>For <a href=\"https:\/\/www.saskatchewan.ca\/residents\/health\/prescription-drug-plans-and-health-coverage\/health-benefits-coverage\/out-of-province-and-out-of-canada-coverage#out-of-canada-hospital-services\" target=\"_blank\" data-dig-id=\"LP-TravelInsurance-35509-bcc54600\" data-dig-category=\"LP-TravelInsurance\" data-dig-action=\"link click\" data-dig-label=\"out-of-country care\" class=\"rbc-link-format externalsite-link\" data-icon-class=\"externalsite-link\" rel=\"noreferrer noopener\">out-of-country care<\/a>, Saskatchewan Health will provide limited coverage from approved hospitals at SK rates, and only if the same services would be covered in-province. Saskatchewan Health may cover up to $100\/day for inpatient hospital services and up to $50\/day for outpatient services.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-yukon-health-care-insurance-plan-yhcip\">Yukon Health Care Insurance Plan (YHCIP)<\/h3>\n\n\n\n<p><a href=\"https:\/\/yukon.ca\/en\/health-and-wellness\/care-services\/find-out-about-your-health-care-coverage#nav-what-to-know-before-spending-extended-time-outside-the-territory\" target=\"_blank\" data-dig-id=\"LP-TravelInsurance-35509-50015af3\" data-dig-category=\"LP-TravelInsurance\" data-dig-action=\"link click\" data-dig-label=\"YHCIP\" class=\"rbc-link-format externalsite-link\" data-icon-class=\"externalsite-link\" rel=\"noreferrer noopener\">YHCIP<\/a> provides basic coverage for hospital and physician services at Yukon rates, from publicly funded hospitals inside or outside Canada.<\/p>\n\n\n\n<p>YHCIP does not provide coverage for air or ground ambulance services or any related services, such as hospital transfer, travel escorts, or return transportation charges, regardless of where the expenses are incurred.<\/p>\n\n\n\n<p>You may be eligible for <a href=\"https:\/\/yukon.ca\/en\/medical-treatment-travel\" target=\"_blank\" data-dig-id=\"LP-TravelInsurance-35509-0b781c32\" data-dig-category=\"LP-TravelInsurance\" data-dig-action=\"link click\" data-dig-label=\"medical travel coverage\" class=\"rbc-link-format externalsite-link\" data-icon-class=\"externalsite-link\" rel=\"noreferrer noopener\">medical travel coverage<\/a> if your medically necessary service isn\u2019t available in your community. You could receive mileage reimbursement for in-territory travel at 30 cents per kilometre for non-emergency insured health services. If you have approval for medical travel, you could claim a travel subsidy.&nbsp;<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-why-you-need-travel-insurance-within-canada\">Why you need travel insurance within Canada<\/h2>\n\n\n\n<p>Before you pack your bags and explore the Great White North, it\u2019s important to review the out-of-province benefits that you\u2019re eligible for. Remember, each province and territory sets its own terms for insured health services.&nbsp;<\/p>\n\n\n\n<p>Obtaining <a href=\"https:\/\/www.rbcinsurance.com\/en-ca\/travel-insurance\/travelling-within-canada\/\" data-dig-id=\"LP-TravelInsurance-35509-10880119\" data-dig-category=\"LP-TravelInsurance\" data-dig-action=\"link click\" data-dig-label=\"travel health insurance within Canada\" class=\"rbc-link-format\">travel health insurance within Canada<\/a> can give you peace of mind that you\u2019re protected from unexpected events. For example, should you be involved in an accident, you may require full emergency coverage. Travel insurance could cover ambulance services, a medical evaluation by a physician, or emergency dental treatment.<\/p>\n\n\n\n<p>If you ever need to cancel a last-minute trip due to an unexpected health issue or the death of a loved one, you may be reimbursed for financial losses incurred. Additionally, you can rely on the 24\/7 worldwide medical emergency assistance that\u2019s available to you during your trip.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-securing-travel-protection-when-you-leave-the-country\">Securing travel protection when you leave the country<\/h2>\n\n\n\n<p>You\u2019ve got your passport, and you\u2019re ready to travel abroad. You may want assurance that you\u2019re protected if your trip doesn\u2019t go as planned.<\/p>\n\n\n\n<p>There are different levels of coverage available that can fit your budget and needs. You can choose from emergency medical, trip cancellation and interruption, baggage and personal effects, and travel accident coverage.<\/p>\n\n\n\n<p>Many travellers may not realize that international medical services can come at a hefty price tag. With RBC travel insurance packages, you can find a cost-effective solution that will ensure you get the necessary coverage when you\u2019re travelling outside of Canada. <\/p>\n\n\n\n<p>Planning your next getaway? Get a<a href=\"https:\/\/online.worldprotect.com\/cgi-bin\/weblinkca\/en\/travel-insurance.cgi?agency_code=RBCIDTO\" data-dig-id=\"LP-TravelInsurance-35509-e8574ffd\" data-dig-category=\"LP-TravelInsurance\" data-dig-action=\"link click\" data-dig-label=\" travel insurance quote\" class=\"rbc-link-format\"> travel insurance quote<\/a> within minutes or speak to an accredited advisor<\/p>\n\n\n\n<section class=\"wp-block-rbc-section-block  pos-rel\" style=\"border-radius:0px\">\n<div class=\"wp-block-rbc-section-inner-block  section-inner\" style=\"border-radius:0x\">\n<section class=\"wp-block-rbc-section-block  pos-rel has-fff-background-color has-background\" style=\"border-radius:0px\">\n<div class=\"wp-block-rbc-section-inner-block  section-inner block-wpr bg-light-blue rounded-corners pos-rel mob-pad-t pad-t pad-b mob-pad-b pad-l mob-pad-l pad-r mob-pad-r centered-block\" style=\"border-radius:0x\">\n<h2 class=\"wp-block-heading has-text-align-center mar-b-hlf mob-mar-b-hlf mob-pad-t-hlf\" id=\"h-rbc-travel-insurance\">RBC Travel Insurance<\/h2>\n\n\n\n<p class=\"has-text-align-center mar-b-hlf mob-mar-b-hlf pad-r mob-pad-r pad-l mob-pad-l has-text-lg-font-size\">If you need help during your trip for a medical or other travel emergency, help is available 24\/7.<\/p>\n\n\n\n<div class=\"wp-block-buttons is-content-justification-center is-layout-flex wp-container-core-buttons-is-layout-a89b3969 wp-block-buttons-is-layout-flex\"><div>\n<div class=\"wp-block-button btn before is-style-primary primary aligncenter\"><a class=\"wp-block-button__link wp-element-button\" href=\"https:\/\/online.worldprotect.com\/cgi-bin\/weblinkca\/en\/travel-insurance.cgi?agency_code=BLOG_T1\" data-dig-id=\"LP-TravelInsurance-8691-476a44f4\" data-dig-category=\"LP-TravelInsurance\" data-dig-action=\"button click\" data-dig-label=\"Get A Quote-https:\/\/online.worldprotect.com\/cgi-bin\/weblinkca\/en\/travel-insurance.cgi?agency_code=BLOG_T1 \">Get A Quote<\/a><\/div>\n<\/div><\/div>\n\n\n\n<p class=\"has-text-align-center  mar-t-hlf\"><a href=\"https:\/\/www.rbcinsurance.com\/en-ca\/travel-insurance\/\" target=\"_blank\" data-dig-id=\"LP-TravelInsurance-8691-7323c714\" data-dig-category=\"LP-TravelInsurance\" data-dig-action=\"link click\" data-dig-label=\"Learn More\" rel=\"noreferrer noopener\" class=\"rbc-link-format\">Learn More<\/a><\/p>\n<\/div>\n<\/section>\n<\/div>\n<\/section>\n\n\n\n<div class=\"wp-block-rbc-rbc-default-collapsible\"><p><button class=\"collapse-toggle collapsed\" data-target=\"#collapse2de7ba0a\" data-toggle=\"collapse\" aria-expanded=\"false\" aria-controls=\"collapse2de7ba0a\" data-dig-id=\"LP-HomeInsurance-14506-2de7ba0a\" data-dig-category=\"LP-HomeInsurance\" data-dig-action=\"accordion closed\" action-closed=\"accordion closed\" action-opened=\"accordion open\" data-dig-label=\"Things Our Lawyers Want You to Know\"><div>Things Our Lawyers Want You to Know<\/div><\/button><\/p><div class=\"collapse-content collapse\" id=\"collapse2de7ba0a\">\n<div class=\"wp-block-rbc-collapsible-inner-block collapse-inner\">\n<p class=\"has-text-sm-font-size\">*Home and auto insurance products are distributed by RBC Insurance Agency Ltd. and underwritten by Aviva General Insurance Company. In Quebec, RBC Insurance Agency Ltd. Is registered as a damage insurance agency. As a result of government-run auto insurance plans, auto insurance is not available through RBC Insurance in Manitoba, Saskatchewan and British Columbia.<\/p>\n\n\n\n<p class=\"has-text-sm-font-size\">This article is intended as general information only and is not to be relied upon as constituting legal, financial or other professional advice. A professional advisor should be consulted regarding your specific situation. Information presented is believed to be factual and up-to-date but we do not guarantee its accuracy and it should not be regarded as a complete analysis of the subjects discussed. All expressions of opinion reflect the judgment of the authors as of the date of publication and are subject to change. No endorsement of any third parties or their advice, opinions, information, products or services is expressly given or implied by Royal Bank of Canada or any of its affiliates.<\/p>\n<\/div>\n<\/div><\/div>\n\n\n\n<div style=\"height:31px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n<\/div>\n<\/section>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n","protected":false},"excerpt":{"rendered":"<p>Does your Canadian health care plan provide coverage for emergency out-of-province medical care?<\/p>\n","protected":false},"author":203,"featured_media":35508,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"templates\/new-rbci-design.php","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[53],"tags":[26],"article-type":[80],"ppma_author":[172],"class_list":["post-8691","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-travel-insurance","tag-health-and-wellness","article-type-advice-learning"],"pp_force_visibility":null,"pp_subpost_visibility":null,"pp_inherited_force_visibility":null,"pp_inherited_subpost_visibility":null,"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v27.1 (Yoast SEO v27.1.1) - https:\/\/yoast.com\/product\/yoast-seo-premium-wordpress\/ -->\n<title>Understanding Your Out-of-Province Government Medical Coverage<\/title>\n<meta name=\"description\" content=\"Before you travel be sure to understand your out-of-province 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