ARTICLE · 03 MARCH 2026

Travelling Outside Your Home Province? Make Sure Your Coverage Travels Too

Lawyers Financial

Explore more from Lawyers Financial

Whether you're heading to a conference, escaping winter for a week, or planning a summer trip overseas, there's one assumption many Canadians make...

CanadaInsurance

Lawyers Financial

Author LinkedIn connections

The flight is booked.

The hotel confirmation is saved.

The calendar is blocked off.

Whether you're heading to a conference, escaping winter for a week, or planning a summer trip overseas, there's one assumption many Canadians make:

"If something happens, I'm covered."

But once you leave your home province — and especially once you leave Canada — that assumption doesn't always hold up.

What happens to your health coverage when you leave home?

Provincial health plans provide comprehensive coverage at home. Outside your home province — and even more so outside Canada — coverage becomes limited.

If you're hospitalized in another country, you could be responsible for:

We operate a free-to-view policy, asking only that you register in order to read all of our content. Please login or register to view the rest of this article.

Register for freeORLog in

Related Articles

The Cost Of Sitting On An Insurance Claim: MTCC No. 1255 v. Intact Insurance (2026 ONSC 5128)

CanadaInsurance

Pallett Valo LLP

Why Did My Insurer Only Pay Part Of My Claim? Understanding Co-Insurance Penalties In BC

CanadaInsurance

Watson Goepel LLP

Supreme Court Of Canada Clarifies The Interpretation Of Exclusions And Endorsements In Insurance Policies

CanadaInsurance

Singleton Urquhart Reynolds Vogel LLP

Ontario Court Of Appeal: Insurance Coverage Analysis Turns On Nature Of Loss, Not Coverage Grant Selected

CanadaInsurance

Borden Ladner Gervais LLP

Does Business Interruption Insurance Cover Lost Income? What Business Owners Need To Know

CanadaInsurance

Watson Goepel LLP

Legal Intelligence Newsletters: sign up for the latest legal and regulatory news on your chosen topics

Read more about

Related Comparative Guides

Comparative Guide

Insurance & Reinsurance

See more popular content from

Insurance

Ontario Auto Insurance Just Changed: What’s Now Optional And How To Protect Yourself

Ontario's 2026 auto insurance reforms converted most accident benefits from mandatory to optional coverage, creating significant gaps in protection for pedestrians, cyclists, and unlisted drivers. Understanding these changes and taking proactive steps before your policy renewal could mean the difference between comprehensive coverage and devastating financial exposure after an accident.

CanadaInsurance

Howie, Sacks & Henry LLP

Does My Credit Card Cover Rental Car Insurance In Canada? What You Need To Know

Premium credit cards often include rental car insurance, but many Canadians misunderstand what this coverage actually protects. While collision damage waivers may cover the rental vehicle itself, they typically exclude liability for injuries to others, personal belongings, and certain vehicle types. Understanding these limitations before declining the rental company's insurance can prevent costly surprises after an accident.

CanadaInsurance

Howie, Sacks & Henry LLP

The Standard Non-Owned Automobile Policy-SPF 6

In a nutshell, the SPF 6 provides liability coverage for accidents involving so-called non-owned vehicles.

CanadaInsurance

Blaney McMurtry LLP

Ontario Auto Insurance Is Changing: What You Need To Do Before July 2026

Ontario is implementing major changes to auto insurance accident benefits starting July 1, 2026, shifting most coverage from mandatory to optional. Income replacement, caregiver benefits...

CanadaInsurance

Western Financial Group Acquires Huestis Insurance And Associates Ltd.

After making an initial investment in HIAL in 2021, Western acquired the remaining outstanding shares of HIAL on May 1, 2023. This transaction reinforces Western's service offering...

CanadaInsurance

Regulatory Alert: FSRA Warns Of Unlicensed GAP Insurance Sales In Ontario

Ontario's Financial Services Regulatory Authority has issued a warning about unlicensed businesses selling Guaranteed Asset Protection (GAP) insurance through vehicle dealerships, leaving consumers potentially unprotected despite paying hundreds of dollars for coverage. The regulatory body has identified cases where GAP products reference insurers that never actually underwrote the policies, and is now taking enforcement action against violators while monitoring the market for compliance with licensing requ

CanadaInsurance

Case Summary: Dion v Security National Insurance Company

A claim for diminished value of a vehicle repaired after an accident is not covered under Section C of the Alberta Standard Auto Policy, SPF No. 1.

CanadaInsurance

What’s Actually Becoming Optional Under Ontario’s New Accident Benefits Rules?

Significant changes to auto insurance in Ontario are set to take effect on July 1, 2026, through reforms to the Statutory Accident Benefits Schedule (SABS).

CanadaInsurance

McLeish Orlando LLP

What Happens When An Insurance Company Sends You To An Independent Medical Examination (IME)?

Insurance companies routinely schedule Independent Medical Examinations (IMEs) as part of the claims process in Ontario, often leaving claimants uncertain about their purpose and impact. Understanding what IMEs assess, why they're requested, and how to prepare can significantly reduce stress and help you maintain control over your claim outcome.

CanadaInsurance

McLeish Orlando LLP

THE CARE-FIRST SYSTEM Alberta's Proposed New No-Fault Auto Insurance Regime Set To Start January 1, 2027

This paper reviews the changes established by the new legislation, new compensation limits, new procedures for assessing claims and managing treatment and the anticipated impact to Albertans who are injured...

CanadaInsurance

CLC (Canadian Litigation Counsel)