Who buys travel insurance when they don't plan on leaving the country...?
My OHIP will cover any health emergencies regardless of location. My auto/bike policy will cover what it says... There's NOTHING in it saying that they can deny/change coverage due to me not following some hypothetical "recommendations" that may some day come from somewhere.
Wrong.
A couple of years ago a lady from Quebec went to see the polar bears in Churchill MANITOBA. She saw them really up close when she got mauled, needing to be airlifted to Winnipeg for surgery. She had to pay the five figure medivac bill. PQ said tough luck. You should have looked at bears in northern PQ.
OHIP only pays certain basics based on reciprocal agreements but each province has it's own drug, ambulance and aftercare plan and each treats visitors differently. No it won't be as bad as the USA but it could add up.
My last ambulance ride here cost me $35.00. An aunt in Manitoba paid $200.00 last year but it used to be $500.00. She's a resident.