{"id":8691,"date":"2022-11-30T07:00:00","date_gmt":"2022-11-30T07:00:00","guid":{"rendered":"https:\/\/silver.rbcinsurance.com\/en-ca\/2020\/08\/25\/understanding-your-out-of-province-government-medical-coverage\/"},"modified":"2025-11-03T11:15:00","modified_gmt":"2025-11-03T16:15:00","slug":"understanding-your-out-of-province-government-medical-coverage","status":"publish","type":"post","link":"https:\/\/silver.rbcinsurance.com\/en-ca\/advice-learning\/travel-insurance\/understanding-your-out-of-province-government-medical-coverage","title":{"rendered":"Understanding Your Out-of-Province Government Medical Coverage"},"content":{"rendered":"\n<div class=\"wp-block-rbc-template-selector templateSelector template__article articleSingle\" data-template=\"article\">\n<div class=\"wp-block-group articleSingle__container tabListStickyWrapper is-layout-flow wp-block-group-is-layout-flow\">\n<div class=\"wp-block-group articleSingle__container__hero is-layout-flow wp-block-group-is-layout-flow\">\n<div class=\"wp-block-group articleSingle__container__hero__inner is-layout-flow wp-block-group-is-layout-flow\">\n<span class=\"rbc-yoast-breadcrum-span\"><span><a href=\"https:\/\/silver.rbcinsurance.com\/en-ca\/\">Home<\/a><\/span><\/span>\n\n\n\n<div class=\"wp-block-group articleSingle__featuredImage__group is-layout-flow wp-block-group-is-layout-flow\">\n<div class=\"wp-block-group articleSingle__title__group is-layout-flow wp-block-group-is-layout-flow\"><h1 class=\"wp-block-post-title\">Understanding Your Out-of-Province Government Medical Coverage<\/h1>\n\n\n<div class=\"wp-block-group articleSingle__date__group is-layout-flow wp-block-group-is-layout-flow\"><div class=\"wp-block-post-date\"><time datetime=\"2022-11-30T07:00:00-05:00\">November 30, 2022<\/time><\/div>\n\n\n<span class=\"wp-block-rbc-html-element articleSingle__readTime\">7 Min Read<\/span>\n<\/div>\n\n\n\n<div class=\"wp-block-group articleSingle__author__group is-layout-flow wp-block-group-is-layout-flow\">\n<img decoding=\"async\" src=\"https:\/\/silver.rbcinsurance.com\/en-ca\/wp-content\/uploads\/sites\/2\/2021\/06\/Avatar.webp?quality=80&w=128&h=128&crop=1\" alt=\"Maxine Betteridge-Moes\">\n\n\n\n<div class=\"wp-block-group articleSingle__author__details is-layout-flow wp-block-group-is-layout-flow\">\n<span class=\"wp-block-rbc-html-element articleSingle__author__name\">Maxine Betteridge-Moes<\/span>\n\n\n\n<span class=\"wp-block-rbc-html-element articleSingle__author__designation\"><\/span>\n<\/div>\n<\/div>\n<\/div>\n\n\n<figure class=\"articleSingle__featuredImage wp-block-post-featured-image\"><img loading=\"lazy\" decoding=\"async\" width=\"930\" height=\"620\" src=\"https:\/\/silver.rbcinsurance.com\/en-ca\/wp-content\/uploads\/sites\/2\/2022\/09\/travel-insurance-out-of-province-thumbnail-default.jpg?quality=80&amp;w=930\" class=\"attachment-post-thumbnail size-post-thumbnail wp-post-image\" alt=\"Travel Insurance out-of-province\" 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class=\"socials-block\">\n\t\t\t\t\t\t<p class=\"socials-block-title\">\n\t\t\tShare this article\t\t<\/p>\n\t\t<div class=\"social-links mob-mar-b-hlf mob-mar-t-hlf\">\n\t\t\t\t\t<a class=\"social-button-wrapper sharing-custom sharing-email\" href=\"mailto:?subject=Understanding Your Out-of-Province Government Medical Coverage &#038;body=Hi, I thought you might be interested in this article from RBC Insurance: https:\/\/silver.rbcinsurance.com\/en-ca\/advice-learning\/travel-insurance\/understanding-your-out-of-province-government-medical-coverage\">\n\t\t\t\t<img decoding=\"async\" src=\"https:\/\/silver.rbcinsurance.com\/en-ca\/wp-content\/plugins\/rbc-blocks\/assets\/img\/icons\/icon-email.svg\"\n\t\t\t\talt=\"envelope icon\">\n\t\t\t\t<span>\n\t\t\t\tEmail\t\t\t\t<\/span>\n\t\t\t<\/a>\n\t\t<div class=\"social-button-wrapper sharing-copy-wrapper\">\n\t\t\t<button class=\"sharing-custom sharing-copy\" data-url=\"https:\/\/silver.rbcinsurance.com\/en-ca\/advice-learning\/travel-insurance\/understanding-your-out-of-province-government-medical-coverage\">\n\t\t\t<img\n\t\t\t\tsrc=\"https:\/\/silver.rbcinsurance.com\/en-ca\/wp-content\/plugins\/rbc-blocks\/assets\/img\/icons\/icon-related.svg\"\n\t\t\t\talt=\"copy icon\">\n\t\t\t<span id=\"sharing-copyUrl-Label\">\n\t\t\t\tCopy URL\t\t\t<\/span>\n\t\t\t<\/button>\n\t\t\t<input type=\"text\" class=\"sharing-copy-text\" aria-labelledby=\"sharing-copyUrl-Label\">\n\t\t<\/div>\n\t<\/div>\n  \t\t<\/div>\t\n\t\t\n\n\n<div class=\"wp-block-rbc-tabs-list tabsList\" data-switch=\"lgBp\" data-target-heading=\"h4\"><p class=\"tabsList__heading\">On this page<\/p><div class=\"tabsList__wrapper\"><button class=\"selectDropdown__button\" aria-haspopup=\"listbox\" aria-expanded=\"false\"><span class=\"selectDropdown__title\">Alberta<\/span><span class=\"selectDropdown__chevron\"><\/span><\/button><ul class=\"tabsList__items selectDropdown__list\"><li class=\"selectDropdown__list__item tabsList__item selected\"><a href=\"#h-alberta\">Alberta<\/a><\/li><li class=\"selectDropdown__list__item tabsList__item \"><a href=\"#h-british-columbia\">British Columbia<\/a><\/li><li class=\"selectDropdown__list__item tabsList__item \"><a href=\"#h-manitoba\">Manitoba<\/a><\/li><li class=\"selectDropdown__list__item tabsList__item \"><a href=\"#h-new-brunswick\">New Brunswick<\/a><\/li><li class=\"selectDropdown__list__item tabsList__item \"><a href=\"#h-newfoundland-amp-labrador\">Newfoundland &amp; Labrador<\/a><\/li><li class=\"selectDropdown__list__item tabsList__item \"><a href=\"#h-nova-scotia\">Nova Scotia<\/a><\/li><li class=\"selectDropdown__list__item tabsList__item \"><a href=\"#h-ontario\">Ontario<\/a><\/li><li class=\"selectDropdown__list__item tabsList__item \"><a href=\"#h-prince-edward-island\">Prince Edward Island<\/a><\/li><li class=\"selectDropdown__list__item tabsList__item \"><a href=\"#h-quebec\">Qu\u00e9bec<\/a><\/li><li class=\"selectDropdown__list__item tabsList__item \"><a href=\"#h-saskatchewan\">Saskatchewan<\/a><\/li><li class=\"selectDropdown__list__item tabsList__item \"><a href=\"#h-yukon\">Yukon<\/a><\/li><\/ul><\/div><\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-group articleSingle__content__main tabListHeadings is-layout-flow wp-block-group-is-layout-flow\">\n<section class=\"wp-block-rbc-section-block  pos-rel\" style=\"border-radius:0px\">\n<div class=\"wp-block-rbc-section-inner-block  section-inner \" style=\"border-radius:0x\">\n<p>Most Canadians are fortunate to have provincial medical coverage for hospital visits, outpatient services and prescription drug costs incurred in-province or in-country. All provinces and territories except Quebec have a billing agreement that provides coverage for insured hospital and physician services, but some plans have exceptions.<\/p>\n\n\n\n<p>Want to know how much out-of-province medical coverage your province or territory provides?<\/p>\n\n\n\n<p>For more in-depth and up to date information regarding out of province coverage visit your province&#8217;s approved health insurance website. Understanding the coverage you have before you travel is an important part of planning a trip.<\/p>\n\n\n\n<h4 class=\"wp-block-heading\" id=\"h-alberta\">Alberta<\/h4>\n\n\n\n<p><b>Plan<\/b>: Alberta Health Care Insurance Plan (AHCIP)<\/p>\n\n\n\n<p><b>Details<\/b>: AHCIP provides coverage for insured physicians and hospital costs in other provinces across Canada. This means that in most cases when you present your AHCIP card to a medical or hospital service provider in another province, there is no cost to you. If you visit a physician in Quebec, you may have to pay up front, but can submit a receipt to AHCIP to be reimbursed. If you use a private facility you will have to pay facility fees including laboratory services, MRIs and accommodation.<\/p>\n\n\n\n<p>There is limited coverage for physician and hospital costs outside of Canada. For expenses incurred out-of-country, AHCIP will cover a maximum of $100\/day for hospital services, and a maximum of $50\/day for outpatient services. Travelers are responsible for paying the health service provider first and then can <a href=\"https:\/\/www.alberta.ca\/ahcip-submit-claim.aspx\" target=\"_blank\" rel=\"noopener noreferrer\">submit a claim to the AHCIP office<\/a> to request reimbursement for eligible out-of-country health expenses. The traveler is responsible for paying the difference between the amount charged and the amount AHCIP reimburses.<\/p>\n\n\n\n<h4 class=\"wp-block-heading\" id=\"h-british-columbia\">British Columbia<\/h4>\n\n\n\n<p><b>Plan<\/b>:<b> <\/b>Medical Service Plan (MSP)<\/p>\n\n\n\n<p><b>Details<\/b>: <a href=\"https:\/\/www2.gov.bc.ca\/gov\/content\/health\/health-drug-coverage\/msp\/bc-residents\/benefits\/services-covered-by-msp\/medical-benefits\/medical-benefits-outside-of-british-columbia\" target=\"_blank\" rel=\"noopener noreferrer\">British Columbia&#8217;s MSP<\/a> will help pay for unexpected medical services outside of the province if they are normally insured by MSP. Reimbursement for physician services will be made in Canadian funds and any excess cost is the responsibility of the beneficiary. When travelling to Quebec or outside of Canada, you will probably be required to pay out of pocket for medical services and then get reimbursement after.<\/p>\n\n\n\n<p>MSP does not provide any coverage for treatment provided by a non-physician health care practitioner (e.g., physician assistant, nurse practitioner, chiropractor or physical therapist), prescription drugs, medical supplies or ambulance services outside the province. The province will pay up to $75\/day for emergency hospital services outside of Canada.<\/p>\n\n\n\n<h4 class=\"wp-block-heading\" id=\"h-manitoba\">Manitoba<\/h4>\n\n\n\n<p><b>Plan<\/b>: Manitoba Health, Seniors and Active Living (MHSAL)<\/p>\n\n\n\n<p><b>Details<\/b>:<b> <\/b>Manitobans who travel to another province are still covered by <a href=\"https:\/\/www.gov.mb.ca\/health\/mhsip\/leavingmanitoba.html\" target=\"_blank\" rel=\"noopener noreferrer\">MHSAL<\/a> if they present their Manitoba Health card to a hospital or other medical care centre.<\/p>\n\n\n\n<p>Travellers admitted on an emergency basis to a hospital outside of Canada are covered by MHSAL for services, based on established daily rates but are responsible for some of the costs. Care received as a hospital outpatient or from an emergency room outside of Canada is covered up to $100\/visit. Physician services are covered at the same <a href=\"https:\/\/www.gov.mb.ca\/health\/documents\/physmanual.pdf\" target=\"_blank\" rel=\"noopener noreferrer\">rates paid to Manitoba doctors<\/a>.<\/p>\n\n\n\n<h4 class=\"wp-block-heading\" id=\"h-new-brunswick\">New Brunswick<\/h4>\n\n\n\n<p><b>Plan<\/b>: Medicare<\/p>\n\n\n\n<p><b>Details<\/b>: <a href=\"https:\/\/www2.gnb.ca\/content\/gnb\/en\/departments\/health\/services\/services_renderer.9115.Medicare_-_Submitting_a_Claim_for_Out-of-Country_Services.html\" target=\"_blank\" rel=\"noopener noreferrer\">New Brunswick Medicare<\/a> will cover insured physician or hospital services in all provinces and territories, except for Quebec, upon presentation of a Medicare card.<\/p>\n\n\n\n<p>The plan will cover only emergency out-of-country physician and hospital services with prior approval, at a maximum of $100\/day for in-patient services and $50\/day for outpatient services.<\/p>\n\n\n\n<h4 class=\"wp-block-heading\" id=\"h-newfoundland-amp-labrador\">Newfoundland &amp; Labrador<\/h4>\n\n\n\n<p><b>Plan<\/b>: Medical Care Plan (MCP)<\/p>\n\n\n\n<p><b>Details<\/b>: Provides limited coverage for travellers under the <a href=\"https:\/\/www.health.gov.nl.ca\/health\/mcp\/index.html\" target=\"_blank\" rel=\"noopener noreferrer\">Medical Care Plan (MCP)<\/a> and the <a href=\"https:\/\/www.health.gov.nl.ca\/health\/mcp\/hospitalplan.html\" target=\"_blank\" rel=\"noopener noreferrer\">Hospital Insurance Plan<\/a>. MCP covers only insured services and does not cover all charges related to hospitals and clinics or ambulance\/air ambulance services inside or outside of Canada. Individuals who leave the province for more than 30 days will need an <a href=\"https:\/\/www.health.gov.nl.ca\/health\/mcp\/outofprovincecoverage.html\" target=\"_blank\" rel=\"noopener noreferrer\">out-of-province coverage certificate<\/a>.<\/p>\n\n\n\n<h4 class=\"wp-block-heading\" id=\"h-nova-scotia\">Nova Scotia<\/h4>\n\n\n\n<p><b>Plan<\/b>: Medical Services Insurance (MSI)<\/p>\n\n\n\n<p><b>Details<\/b>: <a href=\"https:\/\/novascotia.ca\/DHW\/msi\/moving_travel.asp\" target=\"_blank\" rel=\"noopener noreferrer\">MSI<\/a> will provide coverage to Nova Scotia residents for medical expenses incurred anywhere in the country, upon presentation of a valid health card, except Quebec for physician services.<\/p>\n\n\n\n<p>For out-of-country medical care, MSI will cover emergency medical services only, at Nova Scotia rates. The current rate for emergency in-patient services in-province is $525 a day, plus 50 percent of ancillary fees incurred during an in-patient stay. The program will not cover ambulance services, Pharmacare, children&#8217;s dental programs, routine vision analysis, or any out-patient charges, including X-ray, diagnostic tests and laboratory charges.<\/p>\n\n\n\n<h4 class=\"wp-block-heading\" id=\"h-ontario\">Ontario<\/h4>\n\n\n\n<p><b>Plan<\/b>: Ontario Health Insurance Plan (OHIP)<\/p>\n\n\n\n<p><b>Details<\/b>: <a href=\"https:\/\/www.health.gov.on.ca\/en\/public\/publications\/ohip\/docs\/travel_another_province_territory.pdf\" target=\"_blank\" rel=\"noopener noreferrer\">OHIP will cover<\/a> physician and hospital services outside of the province upon presentation of a valid health card. Physicians outside of Ontario can choose to bill the province directly, in which case the patient doesn&#8217;t pay anything, or to bill the patient, who will be reimbursed upon submitting appropriate documents and invoices to OHIP.<\/p>\n\n\n\n<p>As of October 1, 2019, <a href=\"https:\/\/www.ontario.ca\/page\/ohip-coverage-while-outside-canada\" target=\"_blank\" rel=\"noopener noreferrer\">OHIP<\/a> no longer covers <a href=\"https:\/\/discover.rbcinsurance.com\/faq-how-ohip-changes-may-affect-you-when-you-travel\/?dlref=Discover-Learn-Insurance&amp;dlarticle=Understanding-Your-Out-of-Province-Government-Medical-Coverage&amp;dltarget=other-dl-article\" target=\"_blank\" rel=\"noopener noreferrer\">Ontario travellers facing emergency medical expenses<\/a> outside of Canada.<\/p>\n\n\n\n<h4 class=\"wp-block-heading\" id=\"h-prince-edward-island\">Prince Edward Island<\/h4>\n\n\n\n<p><b>Plan<\/b>: Health PEI<\/p>\n\n\n\n<p><b>Details<\/b>: Island residents are <a href=\"https:\/\/www.gov.pe.ca\/photos\/original\/hss_hospital_e.pdf\" target=\"_blank\" rel=\"noopener noreferrer\">covered for medical emergencies or sudden illness<\/a> anywhere in Canada, at PEI rates. Costs incurred for non-emergency care received outside of the province are not covered without prior approval from Health PEI.<\/p>\n\n\n\n<p>When travelling outside of Canada, coverage is available for emergency or sudden illness up to a set amount. The difference between the medical fees charged and the amount that Health PEI will pay is the responsibility of the traveler.<\/p>\n\n\n\n<h4 class=\"wp-block-heading\" id=\"h-quebec\">Qu\u00e9bec<\/h4>\n\n\n\n<p><b>Plan<\/b>: R\u00e9gie de l&#8217;assurance maladie Qu\u00e9bec (RAMQ)<\/p>\n\n\n\n<p><b>Details<\/b>: Qu\u00e9bec residents who hold a valid health insurance card can receive out-of-province health care services under the <a href=\"https:\/\/www.ramq.gouv.qc.ca\/en\/citizens\/absence-quebec\" data-dig-id=\"LP-TravelInsurance-8691-a37e2119\" data-dig-category=\"LP-TravelInsurance\" data-dig-action=\"link click\" data-dig-label=\"Qu\u00e9bec Health Insurance Plan\" class=\"rbc-link-format\">Qu\u00e9bec Health Insurance Plan<\/a> (RAMQ), but in most cases, RAMQ reimburses only part of the cost. For example, a patient seeking hospital services in Ontario <a href=\"https:\/\/www.ramq.gouv.qc.ca\/en\/citizens\/absence-quebec\/know-which-services-are-covered-outside-quebec\" target=\"_blank\" rel=\"noopener noreferrer\">totaling $928 will be reimbursed only $422<\/a>. The patient is responsible for paying the difference.<\/p>\n\n\n\n<p>For out-of-country expenses, RAMQ will cover a maximum of $100\/day for hospital services and a maximum of $50\/day for outpatient services. For hemodialysis and the required medication, RAMQ will cover up to $220\/treatment, regardless of whether the cardholder is hospitalized.<\/p>\n\n\n\n<h4 class=\"wp-block-heading\" id=\"h-saskatchewan\">Saskatchewan<\/h4>\n\n\n\n<p><b>Plan<\/b>: Saskatchewan Health<\/p>\n\n\n\n<p><b>Details<\/b>: The province provides coverage for physician and hospital care across Canada upon presentation of a valid health card. Travelers to Quebec may have to pay for physician services then submit a bill to the Ministry of Health for reimbursement at Saskatchewan rates.<\/p>\n\n\n\n<p>For out-of-country care, Saskatchewan Health will provide limited coverage from approved hospitals at Saskatchewan rates, and only if the same services would be covered in-province. Saskatchewan Health will cover a maximum of $100\/day for hospital services and a maximum of $50\/day for outpatient services.<\/p>\n\n\n\n<h4 class=\"wp-block-heading\" id=\"h-yukon\">Yukon<\/h4>\n\n\n\n<p><b>Plan<\/b>: Yukon Health Care Insurance Plan (YHCIP)<\/p>\n\n\n\n<p><b>Details<\/b>: YHCIP provides basic coverage for hospital and physician services from publicly funded hospitals inside or outside of Canada, at Yukon rates. There are limitations within this coverage.<\/p>\n\n\n\n<p>YHCIP does not provide coverage for air or ground ambulance services or any related services, such as hospital transfer, escorts or return transportation charges, regardless of where the expenses are incurred.<\/p>\n\n\n\n<p>It&#8217;s important to note that non-physician (e.g., physician assistant, nurse practitioner) and non-hospital (e.g., chiropractic, dental care) services are not covered under most provincial plans.<\/p>\n\n\n\n<p>For more in-depth and up to date information regarding out of province coverage visit your province&#8217;s approved health insurance website. Understanding the coverage you have before you travel is an important part of planning a trip.<\/p>\n\n\n\n<p>When you are ready to get away, RBC Insurance will be there to help you with your travel insurance needs. Click to get a <a href=\"https:\/\/online.worldprotect.com\/cgi-bin\/weblinkca\/en\/travel-insurance.cgi?agency_code=RBCIDTO&amp;dlref=Discover-Learn-Insurance&amp;dlarticle=Understanding-Your-Out-of-Province-Government-Medical-Coverage&amp;dltarget=quote\" target=\"_blank\" rel=\"noopener noreferrer\">travel insurance quote<\/a>.<\/p>\n\n\n\n<section class=\"wp-block-rbc-section-block  pos-rel\" style=\"border-radius:0px\">\n<div class=\"wp-block-rbc-section-inner-block  section-inner\" style=\"border-radius:0x\">\n<section class=\"wp-block-rbc-section-block  pos-rel has-fff-background-color has-background\" style=\"border-radius:0px\">\n<div class=\"wp-block-rbc-section-inner-block  section-inner block-wpr bg-light-blue rounded-corners pos-rel mob-pad-t pad-t pad-b mob-pad-b pad-l mob-pad-l pad-r mob-pad-r centered-block\" style=\"border-radius:0x\">\n<h2 class=\"wp-block-heading has-text-align-center mar-b-hlf mob-mar-b-hlf mob-pad-t-hlf\" id=\"h-rbc-travel-insurance\">RBC Travel Insurance<\/h2>\n\n\n\n<p class=\"has-text-align-center mar-b-hlf mob-mar-b-hlf pad-r mob-pad-r pad-l mob-pad-l has-text-lg-font-size\">If you need help during your trip for a medical or other travel emergency, help is available 24\/7.<\/p>\n\n\n\n<div class=\"wp-block-buttons is-content-justification-center is-layout-flex wp-container-core-buttons-is-layout-a89b3969 wp-block-buttons-is-layout-flex\"><div>\n<div class=\"wp-block-button btn before is-style-primary primary aligncenter\"><a class=\"wp-block-button__link wp-element-button\" href=\"https:\/\/online.worldprotect.com\/cgi-bin\/weblinkca\/en\/travel-insurance.cgi?agency_code=BLOG_T1\" data-dig-id=\"LP-TravelInsurance-8691-476a44f4\" data-dig-category=\"LP-TravelInsurance\" data-dig-action=\"button click\" data-dig-label=\"Get A Quote-https:\/\/online.worldprotect.com\/cgi-bin\/weblinkca\/en\/travel-insurance.cgi?agency_code=BLOG_T1 \">Get A Quote<\/a><\/div>\n<\/div><\/div>\n\n\n\n<p class=\"has-text-align-center  mar-t-hlf\"><a href=\"https:\/\/silver.rbcinsurance.com\/en-ca\/travel-insurance\/\" target=\"_blank\" data-dig-id=\"LP-TravelInsurance-8691-7323c714\" data-dig-category=\"LP-TravelInsurance\" data-dig-action=\"link click\" data-dig-label=\"Learn More\" rel=\"noreferrer noopener\" class=\"rbc-link-format\">Learn More<\/a><\/p>\n<\/div>\n<\/section>\n<\/div>\n<\/section>\n\n\n\n<div class=\"wp-block-rbc-rbc-default-collapsible\"><p><button class=\"collapse-toggle collapsed\" data-target=\"#collapse2de7ba0a\" data-toggle=\"collapse\" aria-expanded=\"false\" aria-controls=\"collapse2de7ba0a\" data-dig-id=\"LP-HomeInsurance-14506-2de7ba0a\" data-dig-category=\"LP-HomeInsurance\" data-dig-action=\"accordion closed\" action-closed=\"accordion closed\" action-opened=\"accordion open\" data-dig-label=\"Things Our Lawyers Want You to Know\"><div>Things Our Lawyers Want You to Know<\/div><\/button><\/p><div class=\"collapse-content collapse\" id=\"collapse2de7ba0a\">\n<div class=\"wp-block-rbc-collapsible-inner-block collapse-inner\">\n<p class=\"has-text-sm-font-size\">*Home and auto insurance products are distributed by RBC Insurance Agency Ltd. and underwritten by Aviva General Insurance Company. In Quebec, RBC Insurance Agency Ltd. Is registered as a damage insurance agency. As a result of government-run auto insurance plans, auto insurance is not available through RBC Insurance in Manitoba, Saskatchewan and British Columbia.<\/p>\n\n\n\n<p class=\"has-text-sm-font-size\">This article is intended as general information only and is not to be relied upon as constituting legal, financial or other professional advice. A professional advisor should be consulted regarding your specific situation. Information presented is believed to be factual and up-to-date but we do not guarantee its accuracy and it should not be regarded as a complete analysis of the subjects discussed. All expressions of opinion reflect the judgment of the authors as of the date of publication and are subject to change. No endorsement of any third parties or their advice, opinions, information, products or services is expressly given or implied by Royal Bank of Canada or any of its affiliates.<\/p>\n<\/div>\n<\/div><\/div>\n\n\n\n<div style=\"height:31px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n\n<\/div>\n<\/section>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n","protected":false},"excerpt":{"rendered":"<p>Does your Canadian health care plan provide coverage for emergency out-of-province medical care?<\/p>\n","protected":false},"author":90,"featured_media":8704,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"templates\/new-rbci-design.php","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[53],"tags":[26],"article-type":[80],"ppma_author":[],"class_list":["post-8691","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-travel-insurance","tag-health-and-wellness","article-type-advice-learning"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v27.3 (Yoast SEO v27.3) - https:\/\/yoast.com\/product\/yoast-seo-premium-wordpress\/ -->\n<title>Understanding Your Out-of-Province Government Medical Coverage<\/title>\n<meta name=\"description\" content=\"Before you travel be sure to understand your out-of-province provincial medical coverage.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, 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