If you're planning on taking a trip out of Canada next year, you might want to rethink your travel insurance. Starting on January 1, OHIP will be making cuts to the travel insurance coverage that is currently available for Ontario travellers. These new OHIP travel changes will make it important for Ontarians to think about purchasing travel insurance before leaving the country for their next getaway. 

At the moment, OHIP currently offers a maximum of $400 a day for emergency in-patient services and $50 a day for emergency outpatient services for those who are travelling outside of Canada. 

Depending on the country, this cut of OHIP coverage could mean different things for travellers.

For example, $400 a day does not go far in the U.S. where medical costs are double that of any developed country in the world, the Toronto Star reports. 

A hospital stay is $5,000 a night in the U.S., which would not have been covered by OHIP before the changes. 

However, when travellers go to less expensive countries, these OHIP coverages could often cover the costs of medical attention that may have been needed. 

These cuts now encourage Canadian travellers to look at health insurance while travelling in 2020, to avoid any massive medical bills that they may receive out of Canada. 

According to the Toronto Sun, a recent survey by insurancehotline.com found that 34% of Canadians were not likely to purchase travel insurance for their next trip. 

These OHIP changes were first proposed in April, and will officially be taking effect as soon as 2020 arrives. 

CBC has reported that the government's current coverage only covers roughly 5% of the medical fees one could face while out of country. 

According to the Toronto Star, it costs the government $9 million annually to administer medical coverage abroad. That coverage cost still isn't able to adequately protect Ontarians who may incur medical bills. 

"[The OHIP program] may be giving people a false sense of security that they have coverage when the coverage is very, very limited," PC legislator Robin Martin told the CBC

This cut is another part of Ontario's attempt to balance the $11.7 billion dollar deficit the province is facing. 

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