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.
Atlas travel medical insurance pays eligible medical expenses for covered illness and injury, including doctor visits, emergency room treatment, hospitalization, surgery, laboratory & radiology tests, prescription drugs, ambulance, emergency dental treatment, and more.
In Canada, health care is primarily provided at public hospitals and private clinics. If you are injured or become sick, it is advisable to choose an appropriate healthcare facility depending on the severeness of your medical condition and the potential cost.
Most Canadian hospitals have emergency departments opening 24 hours a day, 7 days a week. Hospital emergency departments can treat patients with severe, life-threatening medical conditions. Hospital emergency room visits are expensive for foreign visitors and non-residents in Canada.
Walk-in clinics can treat a range of common conditions such as flu, allergies, earache, food poisoning, urinary tract infection, strained ankle, etc. Visit a walk-in clinic if you have an urgent medical condition and want to be treated without a delay. Usually you can go to a walk-in clinic without an appointment.
You need a Canadian doctor’s prescription to buy prescription medicines in Canada. Take your prescription to a local pharmacy. The pharmacist will prepare and fill the prescription, explain to you how to take the drug and possible side effects.
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.
More about how to access different types of health care services, find doctors and health facilities in Canada:
Atlas travel 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 from the insurance company 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.
When you seek medical treatment in Canada, hospital or clinics may ask you to show proof of health insurance. You also need to provide a photo ID (e.g. passport) as proof of identity. Always carry your insurance card with you while traveling. The insurance ID card has your name, policy number, and insurance company’s emergency assistance phone number.
If you have a medical or travel emergency while traveling abroad, you can contact HCC-MIS Emergency Assistance Services for help with health care provider referrals, medical monitoring, prescription drug replacement, translation & interpretation, and other assistance.
Depending on the medical providers, doctors or hospitals may send your medical bills directly to HCC-MIS for payment, or you may have to pay for medical treatment up front and request reimbursement from the insurance company. Be sure to keep all your medical documentation, itemized bills and receipts. You will have to submit them to the insurance company when you file claims.
More about the claims process at Tokio Marine HCC-MIS Group Claims Resource Center.
You can access ClientZone online anytime to download your ID card and policy documents, search medical providers, submit claims, check claim status, cancel or extend coverage, and more.