Out-of-Province Medical Insurance

Do Manitobans need out-of-province travel medical insurance for travel in Canada?

When it comes to travel close to home, Manitobans have many choices. There's outdoor fun to be had at our many lakes, pristine parks and nature preserves, world-class golf courses or soaking up all the excitement and culture at our many festivals, art galleries and museums.

But if you want to venture past provincial boundaries into Ontario, Saskatchewan or Alberta and beyond, you might be wondering: Do I need travel insurance for trips within Canada?

YES, it's a smart idea.

Read below to find out what you need to know about staying protected (and avoiding considerable costs) when travelling outside of Manitoba.

Not all medical expenses are covered outside your home province

The provinces and territories (except Quebec, more info below) have reciprocal billing agreements in place to send medical bills back and forth between the provinces without the traveller paying up front.

However, payment is limited to goods and services insured in Manitoba. And there are many exceptions.

What to watch out for

If you don’t have travel medical insurance, here’s a list of things you might have to pay for:

  • Medical transportation. Which includes ambulance rides to the nearest hospital or air evacuation back to Manitoba.
  • Food, lodging, transport, telephone calls, or other incidental expenses when seeking medical treatment.
  • Emergency dental treatment. Common emergency visits include knocked-out teeth or gum damage from accidents.
  • Non-medical travel expenses. Provincial health care doesn’t cover costs associated with lost luggage or missed flights.

Learn more about Trip Cancellation and Trip Interruption Insurance.

Quebec doesn't do reciprocal billing

That's right - Quebec doesn't do reciprocal billing, so if you get sick or injured in la belle province, you will pay out-of-pocket for any out-patient medical services when your emergency doesn't result in hospitalization.

It may be no big deal, if it's $50 to visit a doctor. Just charge it to your credit card and submit a claim when you return home. Here is the form to complete to submit a claim to Manitoba Health.

But if you need an ambulance ride from an accident scene to the hospital, you're looking at about a $2,000 charge that could have been avoided if you were covered by travel medical insurance.

Are credit card or group plans enough?

It depends. You'll want to take a close look at your credit card's policy booklet.

Credit card or group plans don't usually have the same level of coverage as a standalone travel medical insurance plan like CAA Travel Insurance*.

What to check:

  • The coverage limits (dollar amounts, medical services, emergency types, etc.)
  • Pre-existing conditions—are they covered?
  • Air ambulance dollar limits (e.g. an air-lift from Ontario back to Manitoba can cost up to $25,000.)
  • Are claims paid out directly?
  • Family allowances
  • Deductible amounts

Planning a Canadian adventure?

If you're vacationing outside Manitoba, don't forget to apply for coverage for you and your family before you go.

Get a Quote for Travel Medical Insurance

If you'd rather speak with someone directly, please contact a CAA Travel Insurance representative at 1-844-647-8723 or by visiting your nearest CAA Manitoba store.

*CAA Travel Insurance is underwritten by Orion Travel Insurance Company. Certain exclusions, limitations and restrictions apply. Subject to change without notice.