Non-Emergency Care Coverage
Q: Is non-emergency treatment outside Canada covered?
A: Yes, 80% reimbursement if referred by a Canadian physician and pre-approved.
Lina, a makeup artist, needed a specialized treatment unavailable in Canada. Her physician referred her to a clinic in the U.S. She asked Tom if her plan would help cover the expenses.
“Non-emergency care is reimbursed at 80% if your physician refers you and Canada Life pre-approves the treatment,” Tom explained. “You must also have provincial healthcare coverage for it to apply.”
Lina asked about transportation and lodging. Tom clarified, “Those costs aren’t covered under this benefit, so you’ll need to arrange them separately.”
He also noted exclusions, including experimental treatments. “If the procedure isn’t recognized as standard care, it won’t be covered,” Tom warned.
Lina gathered all necessary documents and ensured her treatment was pre-approved. Tom’s advice helped her navigate the process smoothly and eased her financial burden for accessing critical care.