Description of Benefits

Each Canadian Province and Territory provides a Medicare Plan with comprehensive benefits for Hospital confinement, the service of medical Physicians and other health practitioners, ambulance services, etc.   In many cases, the benefits provided by these plans will pay all, or almost all, of the expenses you incur in your home province.

When you are outside Canada and require these services, your Provincial Medicare Plan will usually make a payment towards your expenses but that payment is usually limited to the amount that would have been paid for the same service in the Province in which you reside.  Unfortunately, there is often a tremendous difference between the cost of these services outside Canada and the amount allowed by your Medicare Plan, which you would have to pay were it not for this valuable benefit.

This Plan provides extensive coverage for many services rendered outside Canada. It would be important to note that such expenses are covered provided that they were unexpected, and of an emergency nature.  The Plan does not provide benefits for medical treatment if the purpose of your trip outside Canada is to obtain that medical treatment.

The specifics of your Emergency Out of Province/Country Travel Medical Coverage are detailed in a separate brochure.  These brochures, as well as wallet cards to carry while travelling, are available from your employer, or Benefit Plan Administrators Limited.