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Bodily Injury/PIPP Claims > Medical & Personal Expenses

The Personal Injury Protection Plan (PIPP) reimburses you for medical expenses incurred because of an accident. It also reimburses you for certain personal expenses including travel costs associated with medical treatment. Please review our key points for further information.

After an accident, you're expected to work towards your recovery and to participate fully in the rehabilitation program that your health care team believes will help you.

In principle, PIPP covers medical treatment expenses for as long as they're necessary. However, costs won't be covered indefinitely when a treatment shows no signs of helping you. At some point, we may ask you to consult another medical practitioner and try a different type of treatment.

Key Points

• PIPP covers medical, personal and travel expenses related to the accident injury. These expenses will only be reimbursed after a claim has been filed with us, with one exception. We'll pay for ambulance transport to a hospital without a completed claim form, if that's the only expense related to the vehicle accident.
  
• We pay medical practitioners, dentists and other health care providers directly, in most cases. The amount covered is set in a fee schedule, established in consultation with the professional organizations.
• PIPP pays for medical treatment that contributes to your recovery and rehabilitation. It doesn't pay when treatment has no measurable benefit to you.
  
• Medical treatment unrelated to the accident injuries is not covered.
• Car travel, mileage and parking expenses are reimbursed if you use your own car or a family member or friend drives you to medical appointments or treatment. PIPP Benefits outlines the current reimbursement rate.
• We also cover public transportation costs.
• Taxi costs are only covered if you receive pre-approval from your Case Manager.

Include legible copies of your receipts when you claim for medical and personal expenses.

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