Canadians visiting the USA need international insurance, as do others visiting the USA.
Read on to discover more in this great article by the CBC of some horror stories of Canadians who came across the border, some only to shop in the USA without international insurance and ended up owing more than an arm and a leg before they left. There is insurance for Canadians and it is affordable, easy to get, even the day you cross the border and probably less expensive than you think. Especially if you have a mishap!
Original article from CBC here http://www.cbc.ca/news/canada/windsor/medical-emergencies-in-u-s-can-cost-canadians-thousands-1.1856433
Medical emergencies in U.S. can cost Canadians thousands.
Travel agents, insurance brokers say half of Canadians travel without additional medical coverage.
CBC News Posted: Sep 17, 2013 6:00 AM ET Last Updated: Sep 17, 2013 11:30 AM ET
A Health Insurance Story
OHIP coverage minimal
The Ontario Health Insurance Plan (OHIP) does pay for some out-of-province medical treatment, including some in the U.S. OHIP pays up to $400 CAN per day in U.S. hospital costs, depending on level of care. The plan also reimburses outpatient visits at $50 CAN per day. And it reimburses physicians costs at the rate they would be paid in Ontario. If a U.S. physician charges more than a Ontario doctor for the same procedure, the Ontario patient pays the difference.
OHIP spokesperson Julie Ingo said the province spends $14 million a year reimbursing Ontarians who suffer medical emergencies out of province.”Ontario fees are much lower than in the U.S.,” she warned. “What OHIP is reimbursing under the travelers program is a limited amount and not the whole cost.”Most of OHIP’s coverage is for emergencies only.Denise Luxford, a travel insurance specialist in Windsor, Ont., said a simple slip and fall down the stairs or broken arm can result in a $5,000 US bill.Luxford said that in some cases, American doctors conduct tests, such as MRIs, that Canadian counterparts would not call for.”My own kids don’t think about it,” she said of travel insurance. “I have to remind them when they go. They’re so used to OHIP covering us here. I don’t think they understand the rules. “Everybody has heard horror stories.”
With minimal insurance available from Canadian insurers, the secret is to get some international travel insurance even for short visits. I would recommend some of the policies on this page to keep you covered on your visit. Most of these short term policies are appropriate. https://healthisinternational.com/international-travel-insurance/
Sue and Glenn Bacarro have one. They were heading home to Windsor, Ont., from Detroit Metro Airport when Glenn lost control of their SUV in a snowstorm and the couple were struck by a transport truck.Sue suffered a bruised tailbone and crawled out the back of the SUV.Glenn, though, had a collapsed lung, fractured spine, broken nose, broken pelvis, 12 broken ribs and an aorta dissection. He also lacerated his kidney, liver and spleen.He spent two weeks in two U.S. hospitals before he returned home.