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NL Travel Insurance

NL Travel Insurance Overview


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The Medical Care Plan (MCP) will not cater for all your health requirements when you travel out of Newfoundland and Labrador. You may need to buy additional private health insurance or travel insurance for comprehensive coverage.

For more information about the type of travel insurance available to you when you travel outside Canada, call the Canadian Life and Health Insurance Association (CLHIA).

Toll Free: 1-888-295-8112

In Toronto: 416-777-9002

NL Travel Insurance Details


Is MCP Cover Travel Insurance?

When traveling outside Newfoundland and Labrador, it is important to get additional Newfoundland and Labrador travel insurance or private health coverage to cater for unexpected circumstances like medical emergencies. MCP strongly recommends that you purchase additional travel or health insurance when you travel.

However, to shop for the right Newfoundland and Labrador travel insurance or private health insurance, you might need to compare several policy options. Insurdinary can help you by connecting you to experienced insurance advisors who can make the job a lot easier for you.

MCP pays claims for medical services obtained outside the province or outside Canada at the same rate obtainable in the province, but there are exemptions. Furthermore, the patient will take care of the difference if the amount billed exceeds the payable amount. Besides, medical costs in some countries, particularly in the United States are sufficiently higher than in Newfoundland and Labrador. This is why it is recommended that you get additional Newfoundland and Labrador travel insurance before you leave the province.

To read more about Newfoundland and Labrador Travel Insurance, click here.

Traveling outside NL for study

It is important to purchase Newfoundland and Labrador travel insurance or additional private medical insurance before planning to leave the province for educational purposes. It is also important to fully understand what MCP covers. Your comprehensive coverage will be very relevant especially if you plan to pursue a full-time study or learning opportunity outside Canada.

For more information about traveling outside Canada, check the MCP’s Fact Sheet on “Traveling outside Canada“.

To learn more about Newfoundland and Labrador Travel insurance for students, click here.

Traveling outside NL for Work or Business

Whether you are traveling out of Canada for business or work, you need additional private medical insurance or Newfoundland and Labrador travel insurance for comprehensive coverage. You need to understand what MCP covers and what it does not cover to make the most of the provincial coverage.

For more information about traveling outside Canada, check the MCP’s Fact Sheet on “Traveling outside Canada“.

To learn more about Newfoundland and Labrador Travel Insurance for employment or work, click here.

NL Travel Advisory

Knowing the weather condition for your travel destination will help you to make informed decisions even before traveling out of Canada or purchasing Newfoundland and Labrador travel insurance. The weather advisory for popular destinations for Newfoundland and Labrador residents are provided.

NL Travel Insurance News

Charlotte Morton married a Newfoundland man, rents a house in Airport Heights and works in St. John’s. Although she was raised on another coast, she sees Newfoundland as her home and does not have any plan to move out of the province. However, the Medical Care Plan policy won’t accept her as a resident. She said the situation has left her struggling to get access to basic care.

Morton exclaimed that she works in the province, pay taxes and her children also go to school in the province. She said she has been entrenched into the local community and has social networks in the community but she is not considered a resident simply because she was living in British Columbia.

The Canadian Health Act stipulates that home provinces must provide coverage to Canadian residents who settle in some other part of Canada for three months. The Act further states that it is then up to the new province, in this case, Newfoundland and Labrador, to take over and provide coverage to the resident.

However, Morton was told that she is not eligible for MCP as long as she attends school but she made it clear that she does not have any intention of returning to B.C after her studies. She explained that she had applied for coverage four times since 2012 and has been turned down each time. This left her to cater for her medical bills on her own until B.C. reimburses her.

Morton has several medical expenses including surgical gallstone removal, she exclaimed that she could not afford them and she was stuck waiting for B.C. to approve them. However, B.C. has not yet approved the procedure in Newfoundland, as a result, Morton had to spend time and money to travel across the country.

To learn more about Newfoundland and Labrador travel insurance news click here.

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