Are you travelling to another Canadian province? It’s essential for all travellers to have coverage for emergency medical expenses the moment they leave Quebec, since the RAMQ (Régie d’Assurance Maladie du Québec) reimburses only a very small portion of costs incurred outside the province due to an accident or sudden illness.
Canada does not have a national health insurance plan covering the entire country; rather, it has 13 distinct provincial and territorial health insurance plans, which share certain criteria. Some of the coverage and protection offered in Quebec may not be provided in another Canadian province or territory.
If you have a valid Quebec health insurance card, some healthcare services, such as hospital services, will be covered by the RAMQ based on an agreement between the provinces. Other expenses, however, are only partially covered.
Visit the ramq.gouv.qc.ca website to discover which types of care and service are not covered during a trip to another Canadian province. If you have not purchased travel insurance for emergency medical expenses, you could end up facing substantial medical bills. These include the following, among others:
Obtain the coverage you need for unexpected emergency medical expenses and other costs incurred during travel within Canada through the reliable, affordable protection offered by Eureka Travel Insurance.
What may be covered by travel insurance for emergency medical expenses in Canada?If, as is the case for some travellers, you have a pre-existing health condition, it is essential that you fully understand the state of your health in order to know whether a particular medical condition will be covered or excluded if it worsens during your trip.
However, if you are travelling within Canada, some insurance companies offer travel insurance solutions which do not require stability, or require only limited stability, for certain health conditions.
Learn more by talking to one of our agents, who will evaluate your specific needs and offer you coverage based on the stability of your health.
Don’t forget that if the state of your health changes before leaving on your trip, you should contact us in order to make any required modifications to your policy. You can speak to an agent by calling 1 844 386-8448
Annual multi-trip insurance for emergency medical expenses is the perfect choice for you! If you’re making multiple journeys of several hours or several days outside the province, it enables you to come and go as often as you want, as long as each trip does not exceed the maximum number of days you select for your plan (ranging from four to 180, depending on the option you choose).
Some insurers also offer policies with an unlimited duration that offer coverage for medical expenses in Canada as long as you meet the eligibility criteria set by the RAMQ (Régie de l’Assurance Maladie du Québec) and have valid health insurance.
A Eureka Travel Insurance agent will be able to advise you on the maximum number of days that you are allowed to spend outside your province of residence. Call us at 1 844 386-8448
Some insurance companies offer reduced premiums for policies covering trips that will take place solely within Canada. This could be an attractive option when planning your next adventure! Call us to learn more.
* Please consult your insurance policy, paying particular attention to the provisions regarding eligibility and pre-existing health issues as well as any other exclusions, restrictions and conditions that apply to your coverage. Certain exclusions and benefit reductions may apply, which vary from one insurance company to another.
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