It’s important to remember that all costs when travelling to another province are usually reimbursed at your home province’s fee guide rates.

We have listed what most provincial plans cover to give you an idea of what Canada has to offer from coast to coast: Benefits from all provinces are changed regularly, therefore some of the benefits listed below may not be fully accurate.

Please click on the provincial page links for the most up to date information about coverages.

Ontario– Ontario Health Insurance Plan (OHIP)

https://www.ontario.ca/page/what-ohip-covers

Covered Services:

  • Doctor visits.
  • Hospital visits and limited coverage for stays.
  • Dental surgery when performed in-hospital.
  • Optometry is covered only to an extent for those between the ages of 20 and 64 who have a specific medical condition.
  • Podiatry is covered for a small portion each visit up to a determined maximum per person, per year. X-rays are also partially covered.
  • Ambulance services are covered to an extent though you will have to cover some of the cost out of pocket.
  • Fees related to travel for health services are available if you live in Northern Ontario.
  • Out of country coverage is very limited. For example, you are entitled to $50 per day for out-patient services, but if you plan to travel outside of Ontario, it is strongly recommended that you purchase additional private medical insurance.

Manitoba– Insured Benefits Branch of Manitoba

https://www.gov.mb.ca/health/mhsip/index.html

Covered services:

  • Physician services, surgery / anaesthesia, x-ray and laboratory services are covered.
  • Vision care coverage includes one exam every two years for people under 19 and over 65. Certain tests are also covered.
  • Chiropractic care is eligible up to 12 visits per calendar year.
  • Dental Surgery is reimbursed when hospitalization is required.
  • Hospital coverage includes accommodation and meals; nursing services; laboratory, x-rays and diagnostics; surgery and related supplies; dietetic counseling.
  • Ambulance fees are covered.
  • Out of country coverage includes emergency medical services paid at the same rates as Manitoba but the province may not cover the entire amount.

Personal care home residents are eligible for:

  • Standard accommodation
  • Nursing care
  • Physiotherapy and Occupational therapy,
  • Medical and surgical supplies,
  • Prescription drugs
  • Meals and laundry services
  • Personal care home services (a portion)

Alberta – Alberta Health Care Insurance Plan

http://www.health.alberta.ca/health-care-insurance-plan.html

Covered services:

  • Physician ser vices, hospital services, surgery.
  • Standard ward hospitalization.
  • Private nursing care and nursing services may be covered
  • Laboratory and diagnostic services.
  • Drugs administered in hospital.
  • Oral surgery in hospital.
  • Vision care coverage includes eye exams for those younger than 18 and older than 65.
  • Podiatry is eligible to an extent.
  • Travel coverage – Alberta Health Care coverage doesn’t pay for all medical costs when you travel outside the province, even within Canada. For example, it doesn’t cover treatment in a clinic, prescription drugs, ambulance services, physical therapy, and more. The AHCIP covers only limited physician and hospital costs outside of Canada. Patients are responsible for the remaining amount after AHCIP’s coverage.

Saskatchewan–Government of Saskatchewan

https://www.saskatchewan.ca/residents/health/prescription-drug-plans-and-health-coverage/health-benefits-coverage/fully-covered-services

Covered services:

  • Inpatient and outpatient services.
  • Physiotherapy and occupational therapy are free of charge as well as screening mammography for women ages 50 to 69; vaccines; HIV testing; services to treat substance abuse; mental health services and addiction services.
  • Select additional services for lower income working families.
  • Prescription drugs – family coverage is available for children age 14 and under. There is a senior drug plan available for those age 65 and up.

British Columbia–Medical Services Plan

http://www2.gov.bc.ca/gov/content/health/health-drug-coverage/msp/bc-residents/benefits/services-covered-by-msp

Covered services:

  • Physician services.
  • Midwife services.
  • Oral surgery if performed in a hospital.
  • Medically necessary eye exams.
  • Some orthodontic services.
  • Diagnostic services.
  • Some supplementary services: Acupuncture, chiropractic, massage therapy, naturopathy, physical therapy and non-surgical podiatry (only for eligible individuals – low income).

Prince Edward Island – Health PEI

https://www.princeedwardisland.ca/en/topic/health-care-coverage

Covered services:

  • Travel coverage includes emergency or sudden illness coverage. Fees are reimbursed at PEI rates.
  • Physician and hospital services.
  • Drug plans depending on your income.
  • A portion up to the full amount could be paid for home care, palliative care, long-term care; addiction and mental health services, and drug programs.
  • Dental public health services.
  • Chronic disease prevention and management.
  • Public health nursing.
  • Diabetes program, community nutrition, cancer screening programs, speech language pathology services, etc).
  • Ambulance services are not generally covered, however they are subsidized for Island residents in certain situations

Newfoundland and Labrador – Newfoundland and Labrador Medical Care Plan

http://www.health.gov.nl.ca/health/mcp/healthplancoverage.html

Covered services:

  • Visits to a physician’s office, hospital or beneficiary’s residence.
  • Surgical, diagnostic and therapeutic procedures, including anaesthesia.
  • Pre- and post-operative care.
  • Complete maternity care.
  • Radiology interpretive services.
  • Certain surgical-dental procedures which are medically necessary to be performed in hospital by a dentist or oral surgeon.

Insured In-Patient Services:

  • Accommodation and meals at the standard ward rate. Private and semi-private room charges are covered if required for medical reasons or if standard accommodation isn’t available.
  • Nursing services.
  • Laboratory, x-ray and other diagnostic procedures such as EKG, Nuclear Medicine, and Respiratory Therapy.
  • Prescription Drugs.
  • Medical and surgical supplies.
  • Operating Room, Labour & Delivery.
  • Use of radiotherapy facilities and radioactive isotopes where available.
  • Rehabilitative Services; e.g., Physiotherapy, Occupational Therapy, Audiology, Speech Language Pathology.

Insured Out-Patient Services:

  • Laboratory, x-ray and other diagnostic procedures such as EKG, Nuclear Medicine, Respiratory Therapy.
  • Rehabilitative Services; e.g., Physiotherapy, Occupational Therapy, Audiology, Speech Language Pathology.
  • Anti-rejection drugs for transplant patients, AZT for AIDS patients.
  • Surgical and Medical Day Care procedures.

New Brunswick – New Brunswick Medicare

http://www2.gnb.ca/content/gnb/en/departments/health/MedicarePrescriptionDrugPlan/content/medicare/CoverageandClaimsInsideNewBrunswick.html

Covered services:

  • Drug coverage is available under the New Brunswick Drug Plan, which is intended for those without drug insurance.
  • Physician and hospital fees.
  • Some dental services performed in a hospital.
  • With a medical card: standard hospital accommodation and meals.
  • Necessary nursing service.
  • Drugs administered while in the hospital.
  • Operating room, delivery room and anesthetic facilities.
  • Laboratory, X-ray, and other diagnostic services as deemed necessary.
  • Therapies such as physiotherapy, occupational therapy, speech therapy and audiology.
  • Radiotherapy.
  • Routine surgical supplies.

Nova Scotia – Nova Scotia Health

https://novascotia.ca/dhw/programs-and-services.asp

Covered services:

  • Addiction treatment.
  • Continuing care (nursing, home support, etc).
  • Physician services.
  • Hospital services.
  • Optometry services (9 years of age or under and over 65).
  • Ambulance fees.
  • Dental surgery when performed in hospital.
  • Infection Prevention.
  • Mental Health Services.
  • For travel coverage, the policy provides travel assistance (round trip) up to a maximum, and some coverage for accommodation assistance. This is intended for short term stays. If a longer term stay is required, patients are encouraged to seek longer term accommodations, such as an apartment rental.
  • Sex reassignment surgery.