If an American traveler experiences a medical emergency while in Canada, they can visit any hospital emergency room or urgent care clinic to receive necessary medical treatment. However, because foreign visitors are not covered by public provincial health insurance plans, the hospital will bill the patient directly for all emergency room fees, physician charges, diagnostic tests, and overnight room stays. These out-of-pocket costs can accumulate into thousands of dollars rapidly. If the American purchased a private visitor travel medical insurance policy prior to their trip, the insurer will process the claims directly or reimburse the traveler according to their policy limits.
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