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While there are not always clear dividing lines between medical treatment, rehabilitation and long-term care, no-fault schemes in Canada often treat them separate categories, even when they are invariably combined for purposes of the limit around the amount payable.
In conformity with the legislative example, these 3 categories are examined separately here, as well as other relevant matters relating to entitlement to benefits.

Medical and Related Benefits Covered

The Saskatchewan legislation makes provision for medical benefits within general section handling a “supplementary allowance” that is payable pursuant towards the insurer’s “absolute discretion.”  The other plans are more specific as to the scope of cover for medical expenses. In Quebec, even though the statute refers merely to “medical and paramedical care and transportation by ambulance,”  details of cover are supplied by regulation.
All the remaining schemes provide cover expressly for necessary medical, surgical, dental, hospital, ambulance and professional nursing services.  British Columbia includes physiotherapy, chiropractic treatment, occupational therapy or speech therapy. Manitoba adds “chiropractic” as well as “other related expenses including orthopedic and optical appliances.” New Brunswick, Nova Scotia,  www.tdi.texas.gov Ontario and P.E.I, add “any other service within the meaning of insured services under the relevant provincial medical health insurance legislation.” All of the non-government schemes also add towards the list “other services and supplies” which both claimant’s physician and the insurer’s medical adviser say is “essential” for treatment or rehabilitation.

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