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Old 12-05-2010, 12:36   #1
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Health Insurance for Canadians

We would like to find health insurance that would cover evacuation costs back to Ontario. We looked at DAN Divers but it is only for the closest facility rather than repatriation. When we have been travelling in The Bahamas we have not feared health costs; however we are looking at travelling further this winter...eastern or western Caribbean or possibly Cuba and feel that we should be purchasing further insurance than what is covered by our Ontario Health Insurance. Coverage through Johnson and our retired teacher's insurance is highway robbery. Anyone have any ideas for coverage?

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Old 12-05-2010, 13:09   #2
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Try Can Am Insurance, just google search them,

they will have the product you are looking for, they only do travel insurance, so they will have better rates then Johnson since they don't do a lot of business in travel.

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Old 12-05-2010, 13:35   #3
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If you're under 65 Nomad in Australia might help.
Rick I
Toronto in summer, Bahamas in winter.
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Old 12-05-2010, 14:14   #4
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Blue Cross?
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Old 12-05-2010, 15:52   #5
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Contact or visit I.M.I.S. website.-
Besides boat insurance they have "international medical insurance" from several different providers. Each policy normally has "repatriation" coverage included as more and more foreign countries are demanding that you have it in order to get pre-approved visas, etc. If you get the policies that exclude inside USA coverage the premiums are very reasonable.
- - But normally for North Americans few if any islands/countries even inquire or ask whether you have it when you enter on a normal arrival "tourist" visa.
- - But do check to see how long you can be out of Canada before you have problems with maintaining your Canadian medical coverage. I heard there might be a problem with that if you are outside Canada for a year or so.
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Old 14-05-2010, 06:02   #6
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Here is a copy of info re OHIP from the Canadian Government website on retiring out of Country. Retirement Abroad - Seeing the Sunsets

Canadian provincial health care programs provide limited coverage during temporary periods of absence from Canada. Typically, the coverage extends for three months. The level of benefits, however, may be inadequate to cover costs in some locations, especially the United States. The reason for this is that the payments allowed for out-of-country treatment are comparable to the fees paid by the provincial plans to health care providers in Canada. These fees reflect the resources of Canada's public health care system. In some cases, a foreign hospital may charge several times more than your provincial program will allow. It is therefore essential that you arrange for private health care insurance for when you are residing abroad.

Provincial health care programs terminate eligibility after periods of prolonged absence from Canada, typically six months. In most cases, you must be physically present in your Canadian province of residence for 183 days of each calendar year to maintain your health care coverage. The rationale for this requirement is that, when you are out of the country, you are not paying provincial sales tax or the Goods and Services Tax, both of which help to pay for medical care.

If you lose your provincial health care coverage, there may be a waiting period before it is reinstated when you return to Canada following an extended stay abroad. Certain insurance plans for Canadians travelling abroad automatically include coverage for this waiting period. If your "out of Canada" plan does not include this coverage, there are plans available for visitors to Canada that may be purchased to provide coverage during the waiting period. In general, these plans must be purchased immediately on your return to Canada. It is important to note that most "visitor" plans purchased following a return to Canada will exclude any pre-existing medical condition.
Arrange Health-Care Coverage
What will you do if you have an accident or become ill while abroad? Are you prepared for emergency repatriation? Have you checked the provisions of your provincial health care plan?

In some provinces, you can avoid the requalification period by waiving your right to coverage while you are out of the country. This way, you will be covered immediately upon your return, even though you were out of the country for more than six months. Before leaving Canada, check with provincial health care authorities to make sure you fully understand how your health care coverage will be affected.

For comparisons try and compare several plans at once.
Hope this helps!

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