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Toronto does not have any unique health concerns. It’s safe to drink tap water. Pollution in the city is generally rated Good to Moderate on the international Air Quality Index. Smog advisories are listed by the Ontario Ministry of the Environment at www.airqualityontario.com.
Consider buying trip insurance with medical-only coverage. Neither Medicare nor some private insurers cover medical expenses anywhere outside the United States. Medical-only policies typically reimburse you for medical care (excluding that related to preexisting conditions) and hospitalization abroad, and provide for evacuation. You still have to pay the bills and await reimbursement from the insurer, though.
Another option is to sign up with a medical-evacuation assistance company. A membership in one of these companies gets you doctor referrals, emergency evacuation or repatriation, 24-hour hotlines for medical consultation, and other assistance. International SOS Assistance Emergency and AirMed International provide evacuation services and medical referrals. MedjetAssist offers medical evacuation.
AirMed International (www.airmed.com.)
International SOS Assistance Emergency (www.internationalsos.com.)
International Medical Group (www.imglobal.com.)
International SOS (www.internationalsos.com.)
Wallach & Company (www.wallach.com.)
OTC medications available in Canada are nearly identical to those available in the United States. In some cases, brand names are different, but you'll recognize common brands like Tylenol, Midol, and Advil. Nonprescription medications can be found at drugstores and in some grocery and convenience stores.