I am an Australian and I have just obtained a work/holiday visa for Canada. Can someone tell me if I need health insurance for the time I am in Canada or if they have a health system like the NHS in the UK, which covers emergency care and medical appointments for Australians? For Ontario residents, the reciprocal agreement applies to all provinces except Quebec. Ontario`s health plan covers you for medical and hospital services received in other provinces as long as benefits are received at a publicly funded hospital. Prescription drugs purchased outside Ontario are not covered. Travelling outside Canada requires you to pay in advance and ask for a refund on your return; coverage is very limited and does not cover health or transportation services. The Canadian provinces have a mutual agreement that allows them to bill each other for the care of homeless Canadians outside their home provinces. With this agreement, you can display your province`s health card in any Canadian province for coverage. The most notable exception is Quebec, which has no mutual agreement with another province; You are obliged to pay in advance for services and request a refund. The same applies to travel outside of Canada, where no agreement is reached and travellers are responsible for all medical bills.
The basics of coverage in the province vary slightly depending on where you live; Here are some of the things you can expect from your province. If you live in Saskatchewan or Manitoba, you have the same mutual agreement as the other provinces, with the exception of Quebec. Saskatchewan residents can receive medical care and prescription drugs in other provinces and have covered services through their plan, while Manitobans are required to receive medication in their home province. Outside of Canada, saskatchewan and Manitoba residents must pay out of pocket for all medical care and deposit a refund upon return. There are several exclusions in the coverage that are available during the trip, and ambulances and transport are not covered at all. The Canada Health Act establishes mutual billing agreements between provinces/territories. Eligible residents therefore receive the necessary hospital and medical care and the provinces/territories will bill each other for the services provided directly. The portability of health care between provinces means that, in most cases, you can present your health card in another province/region, instead of paying out of pocket for justified services. Canada has a publicly funded, managed health care system that provides universal care to all Canadians.