How to use Atlas Travel Medical Insurance for Emergency Care in Canada?

Government of Canada

Coronavirus (COVID-19) information

Coronavirus Travel restrictions and exemptions

Tokio Marine HCC-MIS

How Coronavirus Affects Your Coverage

If You Purchased Your Atlas Policy on Or After July 15, 2020 : Your plan will cover eligible medical expenses resulting from COVID-19/SARS-CoV-2.  

Canada emergency number: 911

Canada has a universal publicly funded health care system. Canadian citizens and residents can access medically necessary hospital and physician services for free through their provincial public health programs.  

International visitors and non-residents from other countries are not covered by Canada’s government health programs. You are expected to pay for health care in Canada out of your own pocket. Medical treatment can be very expensive without a proper health insurance coverage.

Atlas Travel Medical Insurance is a visitor health insurance policy designed to provide medical and travel benefits, as well as emergency travel assistance to international travelers. You get access to quality care and are protected against the costs that can incur from unexpected medical and travel emergencies.

More about Atlas Travel Medical Insurance Canada.

Severe, Life Threatening Emergencies

Ambulance Service 

Hospital Emergency Department

How to find a hospital?

How to pay medical bills?

Ambulance Service 

Canada’s emergency telephone number is 911. Call an ambulance if someone has a serious, life-threatening medical emergency, such as severe chest pain, breathing difficulties, severe bleeding, major injury etc.

The emergency center can dispatch first responders and ambulance paramedics who are trained professionals that can help the patient immediately upon their arrival. Paramedics can administer first-aid and required care to stabilize the patient at the scene, then transport the patient to a hospital.


In Canada ambulance service is not free, even for Canadian residents who are covered by government health programs. Ambulance fees differ by province for foreign visitors and non-residents. You can expect to pay from hundreds to over CA$1,000 for ambulance transport to hospital.  

Atlas Travel Medical Insurance can reimburse the cost of emergency ambulance transport necessarily incurred in connection with covered injury or illness resulting in inpatient hospitalization.

Hospital Emergency Department

In Canada most hospitals have emergency departments that are open 24 hours daily. 

Hospital emergency departments are designed to provide care to patients who have major illness or injury that require immediate treatment, e.g. heart attack, stroke, car accidents or other life-threatening conditions. In case of a medical emergency, you can go directly to the nearest hospital emergency department, or call 911 for ambulance transport to hospital.

Emergency departments are staffed by qualified emergency medicine and specialist physicians, with access to sophisticated medical equipments e.g. CT, MRI. If surgery or other critical intervention is needed, the patient can be admitted to the hospital through emergency department.


When patients arrive at the emergency department, a triage nurse will assess patients and prioritize them according to the severity of their illnesses or injuries. Patients with the most severe and life-threatening conditions (e.g. major trauma, heart attack) have the highest priority and will be treated immediately by the doctors. Patients with less urgent or not urgent conditions have lower priority, and typically need to wait for treatment. You may wait a few minutes to a few hours to be seen by a physician.

If you have non-emergent or minor ailments e.g.flu, allergy, food poisoning, twisted ankle, etc., you might save money and time by going to other health care facilities such as walk-in clinics. The cost for services is much lower and often have shorter waiting time.

You should tell the doctor or other medical providers if you have any significant medical conditions, current or past medical problems, medications you are taking right now, etc. This can help your health care providers to make informed treatment decisions.  

How to find a hospital emergency department?

Atlas travel medical insurance does not restrict your right to select the hospital, physician or other medical service provider. You can go to a doctor or hospital of your choice. You are not required to obtain a pre-approval before you visit a hospital or doctor.

Tokio Marine HCC-MIS Group has an International Provider Directory that you can use to search for hospitals and clinics in different countries. You are free to visit any licensed healthcare provider who are not listed in the directory. Canada’s provincial health authorities have lists of hospitals and health centers.

Alberta Find Healthcare

British Columbia health services directory

Manitoba health facilities

Newfoundland and Labrador hospitals and health centers

Northwest Territories hospitals and health centers

Nova Scotia hospitals and health centers

Nunavut hospital and health centers

Ontario Health Care Options

Prince Edward Island hospitals, health centers, and walk-in clinics  

Quebec health service providers search

Saskatchewan health services locations 

Yukon hospitals and health centers

How to pay medical bills?

Hospitals in Canada provide free services to Canadian residents who are insured by their provincial government health programs. Foreign visitors and non-residents will be charged the rate set for uninsured services by the hospital. A hospital emergency room visit costs around CA$500~CA$1,000, hospital stay can cost CA$3,000~ $5,000 per day. 

Usually you will be required to pay for treatment at the time of service. You may receive bills for hospital charges, physician fees,  laboratory and imaging test charges, etc.  You can file a claim to HCC-MIS to request reimbursement for eligible medical expenses you have paid.   

Be sure to keep the original itemized bills from your medical providers that document what medical services are provided to you and the cost for each service, original receipts for any expenses paid by you, your medical records, etc. The insurance company will request these documents as proof of claim. 


If you may incur large medical expenses, e.g due to hospitalization or surgery, it is advised that you contact HCC-MIS  customer service as soon as possible. A HCC-MIS representative will coordinate your health care, work with the health care provider(s) to make billing arrangement, and provide necessary assistance. If the hospital or doctors agree to send your medical bills to the insurance company, HCC-MIS will pay eligible expenses directly to your health care provider(s).

More about the claims process at Tokio Marine HCC-MIS Group Claims Resource Center.

Atlas Travel Medical Insurance Canada

How much does Atlas travel insurance cost and how to apply?

How to use Atlas travel medical insurance to get health care in Canada?

How to pay for medical expenses and file claims?