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My Travel Guard is not a top-up plan - You have to cover your entire trip's length length (the date you leave home until the date you return home).
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Important Information:
- You can't change your coverage dates after you leave on your trip. Your coverage dates must match the exact dates you are away from home.
- The My Travel Guard Snowbird Travel Insurance policy is a reimbursement policy (you pay for your medical treatment & prescriptions up front and are reimbursed after filing your claim). The insurance company may pay the medical claim directly, but it's on a case-by-case basis.
- The My Travel Guard plan has a 180 pre-existing conditions Lookback Period.
** You can waive the pre-existing conditions if you this plan no later than 14 days after your initial trip depost date **
- Want more information? You can email us here
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Call Toll Free: 1-888-407-3854 or 507-214-3854 (US & Canada). Mon - Fri: 8:30 am - 7:15 pm; Sat, Sun & Holidays: 10am - 5pm Eastern Time
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Note: this page covers OHIP. If you have a different provincial plan, check with it to find out your outside of Canada coverages
Does OHIP Cover You Outside Canada?
When I travel outside of Canada will OHIP pay the same medical expenses that are covered in Ontario?
No. If you are a resident of Ontario and you are insured under OHIP, you are entitled to very limited funding for a limited range of medical services when you are travelling outside of Canada. For this reason, you are strongly advised to purchase additional health insurance every time you leave Canada.
Want to learn more about OHIP? Click here to go to OHIP's Informational page.
OHIP will not pay more than the service would have cost in Ontario.
- For physician services, OHIP will pay the actual cost billed by the out-of-country physician(s) or the cost of the same physician service(s) in Ontario, whichever is less. Physician services in Ontario are usually rendered at a significantly lower cost than at those billed out-of-country health facilities. Please note that out-of-country health facilities and physicians usually bill on an individual basis.
- For health facility services, OHIP will pay $50 Canadian (CDN) per day.
- For inpatient services, OHIP will pay $200 CDN per day. If the services are inpatient services rendered in an operating room, coronary care unit, intensive care unit, neonatal or pediatric special care unit, then OHIP will pay at the higher rate of $400 CDN per day for hospital services.
- For outpatient dialysis services, OHIP will pay $210 CDN per day.
Contact SnowBirdInsurance.com
SnowbirdInsurance.com - a division of TripInsuranceStore.com
PO Box 466
Owatonna, MN 55060
Toll free (US & Canada): 1-888-407-3854
Local: 507-214-3854
Office hours: (Eastern Time Zone)
Mon - Fri: 8 am - 9 pm
Sat, Sun & Holidays: 10am - 5pm Eastern Time
Email us here
Have Questions? or Ready to Buy? Call Steve, Deanna, Becky, Teresa or Mary toll free at 1-888-407-3854 (US & Canada) or 507-214-3854.
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