Registered Insurance Brokers of Ontario (RIBO) Practice Exam

Why might travelers be concerned about the high cost of hospitalization in Canada?

1. They cannot visit doctors

2. Local health care costs are covered by their home country

3. Provincial health care plans do not cover them

4. Hospitals have limited services

The correct answer is: Provincial health care plans do not cover them

Travelers may indeed be concerned about the high cost of hospitalization in Canada primarily because provincial health care plans do not cover them. In Canada, healthcare is publicly funded, but this coverage is generally available only to residents of the provinces and territories. Visitors or travelers are not entitled to this coverage, meaning they would be responsible for any medical expenses incurred during their stay, including hospitalization. This lack of coverage can lead to significant financial burdens in the event of an unexpected medical issue. The other options do not directly address the concern travelers have about potential costs. While the inability to visit doctors may be a concern, it does not specifically relate to hospitalization costs. Local health care coverage from a traveler's home country can apply to some situations but is often limited in Canada and may not cover all medical expenses. Lastly, while hospitals having limited services could be an issue, it does not directly relate to the high costs associated with receiving care.