Health Insurance While Driving in US

I am pretty sure you are covered under the company insurance while working in the U.S during the first 90 days but you are not enrolled in the company full benefits health program until you have completed your probation period. At least that is the way I read it.

 

any company ive worked for covered you in usa

 

I'm with Conway. I run into the states nightly. We have great west life coverage in the states. Have been to the hospital twice down there. Just called the 800 number on my emergency card, never received a bill. Was also covered through WCB for light duties after even though injury happened in the states.

 

I think it kind of depends on the company. When I first started at my current one I wasn't covered under the company plan but they took out a policy for me separately for the first 3 months until I was under the company one.

 

It is not automatic that you have any travel health insurance. Up to the carrier to provide but not a requirement. Do not leave Canada without supplementary insurance.

 

It's actually kind of a myth. Your provincial health insurance more than likely covers you for acute hospital stays. I had severe dehydration from food poisoning and Manitoba covered it. No extra insurance needed. Any vehicle accidents will be covered by vehicle insurance.

The problem is when you get into chronic conditions. This is where you need to get extra insurance.

 

Bad advice, IMHO.

An individual needs to read and understand their home province's out-of-province/out-of-country coverage. Most are a variation on the same theme; here is Alberta's statement...

Coverage under the AHCIP
Insured physician services received outside Canada are paid at the lesser of the amount claimed, or the rate an Alberta physician would be paid for that service or the most similar service.

• The services and rates paid to Alberta physicians are listed in the Schedule of Medical Benefits

The rate for in-patient hospital services is $100 (Canadian) per day, not including the day of discharge. The rate for outpatient services is $50 (Canadian) per day, with a limit of one visit per day. These hospital services rates are the maximum that is reimbursed for all services provided to a patient, such as room and board, nursing, laboratory and x-ray services, medical supplies and prescription drugs.

Insured hospital services must be provided by a general or auxiliary hospital. Hospital services provided in a private health facility are not eligible for reimbursement. The AHCIP does not cover food, lodging or other travel expenses.

Alberta Health covers only limited physician and hospital costs outside of Canada. It is strongly recommended that Albertans obtain private supplementary insurance when outside the province or outside Canada, as costs for services can be much higher than in Alberta.​

Even traveling within Canada there are differences in coverages and rates and Quebec does not participate in the reciprocal agreement that all other provinces and territories do.