Do the OSSTF ELHT Benefit Plans include coverage for out-of-country emergency medical treatment?

April 13, 2025

For the first 60 days of your out-of-province or out-of-country trip, the OSSTF ELHT benefits plan provides plan members and their eligible dependants who are participating in health care benefits, coverage up to $5,000,000 per lifetime for:

• Emergency medical treatment or services provided for a sudden, unexpected injury or illness that occurs or a new medical condition that begins during your trip.
• Unexpected emergency treatment for pre-existing conditions that were medically stable before departure.
• Medical emergencies related to pregnancy, provided you are not travelling within four weeks of your due date, and you were medically stable before departure.

In the 90 days before your departure, you or your eligible family member/dependant is considered medically stable if there were:

• No treatments or tests for any new symptoms, conditions or illnesses.
• No increase in or worsening of any existing symptoms.
• No new test results showing that the condition or illness has worsened.
• No changes to treatments or medications, except where the condition or illness has improved.
• No admission to or treatment at a hospital for the medical condition or illness.
• No planned non-routine appointments, further health investigations/tests or future treatments.

 

Discuss your pre-diagnosed medical condition(s) with your doctor before travelling (if applicable) to determine if there is any risk of complications. We recommend you contact OTIP Benefits Services with any questions on medically stable requirements prior to travel.

IMPORTANT: Although your doctor may have cleared you and/or your eligible dependants for travel, there is no guarantee of coverage for a pre-diagnosed/pre-existing condition. Medical documentation may be requested at the time of the incident to determine the medical stability of a pre-diagnosed/pre-existing condition.

You are advised to refer to your benefits booklet for full travel coverage details.

Here is a link to a newsletter with travel tips to ensure you are prepared for any trip you take in Canada or abroad. Travel tips for your getaway! – OSSTF Benefits

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The information in this document is provided by OSSTF Benefits for general information only. OSSTF Benefits endeavours to have all information current and accurate. We make no representations or warranties of any kind, express or implied, about the completeness, accuracy, reliability, or suitability of the information included. All information is subject to change without notice.

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