Whether you are taking a trip across the border or driving to another province, the only way to ensure that you are protected in case of an emergency is by purchasing a travel insurance policy for your trip.

The Ministry of Health and Long-Term Care states that “typically [OHIP] coverage (while out-of-province but within Canada) is for physician and hospital services only. Therefore, when travelling outside of Ontario but within Canada, the ministry recommends that you obtain private supplementary health insurance for non-physician/non-hospital services.”

Although you will have a limited amount of coverage through OHIP while you’re in another province, the amount of money you may need to pay for services not covered by OHIP, such as ambulance service, will typically be more than the cost of a travel insurance policy.