Canada Health Care: Hospital Services

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.

Hospital services in Canada

What does Atlas travel medical insurance cover?

How to pay medical bills?

How to find a hospital?

Hospital Services in Canada

Most Canadian hospitals are public hospitals or non-profit hospitals funded by Canadian government. These general hospitals provide medical services including emergency care, outpatient care, inpatient care, labor and delivery services,  imaging and laboratory services, and more.

Canadian hospitals provide high standard medical services and are well-equipped with modern medical equipment. Physicians working in the hospitals are highly trained specialist doctors in a wide range of medical specialties. Doctors can decide about their patients’ diagnostic and treatment plans, order tests, prescribe medications, request and perform surgeries, etc. 

Most hospitals have emergency departments that are open 24 hours a day,7 days a week. In case of a medical emergency, you can go directly to a hospital emergency department. Otherwise, you need to schedule an appointment at an outpatient speciality clinic. You may be admitted to the hospital for inpatient care on a doctor’s order.  

There are a number of private for-profit hospitals in Canada that provide limited specialized services, e.g. private surgery centers that perform selected day surgeries, private imaging centers that perform MRI and CT scans. These hospitals do not have emergency department or inpatient services.  

What does Atlas travel medical insurance cover?

For covered illness or injury, Atlas Travel Medical Insurance pays for eligible charges made by hospitals including physician services, emergency care, surgery, intensive care unit, diagnostic testing, necessary medical supplies, prescription drugs, and more. If you have an eligible inpatient hospitalization, you are covered for hospital room and board, not to exceed the average semi-private room rate. You will receive hospital indemnity benefit for each night you spend in the hospital. More about Atlas Travel Medical Insurance Medical Coverage.

Depending on the emergency situation, you may also be eligible for various travel benefits including Emergency Medical Evacuation to transport the patient to a qualified hospital, Emergency Reunion or Bedside Visit to bring your relative to where you are hospitalized, Return of Minor Children to send your children home, or Pet Return to send your pet home. 

If you have a medical emergency, you can contact Tokio Marine HCC-MIS Travel Assistance Services for help.  Be sure to bring your Atlas insurance card and proof of identification (e.g. passport) when you go to a hospital. Your insurance card has your name, insurance certificate number, and insurance company’s emergency phone number. 

How to pay medical bills?

Canadian residents who have provincial health insurance cards get  hospital services for free. Hospitals will charge international visitors and non-residents in Canada the rates set for uninsured services by their provincial health authorities. You are responsible to pay for all hospital charges.

A hospital Emergency department visit or an outpatient physician consultation may cost CA$500~$1,000.  A hospital stay can cost CA$3,000~$5,000 per day. A simple surgery may cost $20,000 or more.

Usually you will be required to pay for treatment at the time of service. Most hospital-based doctors are not hospital employees, they are independent physicians. You may receive separate bills for hospital fees, physician service fees, medical laboratory and imaging service fees, etc.  

You should collect the health care provider’s name, address, original itemized bills that document what medical services are provided to you and the cost for each service. You can file a claim to HCC-MIS to request reimbursement for eligible medical expenses you have paid.

If you are to be hospitalized or may incur large expenses, you can call HCC-MIS prior to seeking treatment or as soon as possible in case of emergency. A HCC-MIS representative will coordinate your healthcare services and work with the hospital to discuss billing arrangement. If your health care providers agree to send your medical bills to HCC-MIS,  the insurance company may pay eligible expenses directly to the providers.  

How to find a hospital?

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.

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 hospitalshealth centers, and walk-in clinics  

Quebec health service providers search

Saskatchewan health services locations 

Yukon hospitals and health centers

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?