Campbellton Regional Hospital (189 Lily Lake Rd) is the primary facility accepting all major travel insurance plans via direct billing or itemized receipts, covering over 95% of inbound visitor medical cases in Restigouche County.
Campbellton Regional Hospital (Hôpital régional de Campbellton) is a 90-bed acute care facility serving the Restigouche region. It is part of the Vitalité Health Network (the Francophone health authority of New Brunswick). The hospital offers:
Source: Vitalité Health Network - Campbellton Regional Hospital
Campbellton has two main hospitals, both under Vitalité Health Network. Here is how they handle travel insurance:
| Hospital Name | Address | Accepts Travel Insurance | Specialty |
|---|---|---|---|
| Campbellton Regional Hospital | 189 Lily Lake Rd | Yes (Direct billing for major insurers) | General & Acute Care, ER, Surgery |
| Restigouche Hospital Centre | 150 Lily Lake Rd | Yes (for psychiatric referrals) | Mental Health & Addiction Services |
Note: Both hospitals require insurance verification upon admission. For psychiatric care, prior authorization from your insurance provider is mandatory.
If you do not have travel insurance, you will be billed directly. Below are average costs in Canadian Dollars (CAD) for common services:
| Medical Service | Estimated Cost (CAD) | Insurance Coverage (Typical) |
|---|---|---|
| Emergency Room Visit (Basic) | $750 – $1,200 | 100% after deductible |
| Ward Stay (per day) | $2,800 – $4,500 | 100% after deductible |
| Semi-Private Room (per day) | $400 – $600 | 100% (if covered) |
| MRI Scan (per region) | $1,500 – $2,500 | 80-100% |
| Ambulance (Ground) | $250 – $500 | Usually 100% covered |
| ER Physician Consultation | $150 – $400 | 100% |
Source: Government of New Brunswick – Out-of-Country Billing Rates (2024).
Tip: Always request a "Detailed Statement of Account" before leaving the hospital.
Knowing the correct department saves precious time:
Travelers needing quick access to the hospital should prioritize these neighborhoods:
Emergency Note: If you are staying in a remote chalet in Tide Head or Charlo, ensure you have a vehicle, as ambulance response times in remote areas can exceed 25 minutes.
Campbellton Regional Hospital's ER operates on a triage system. Wait times vary by severity:
Data Point: According to NB Health statistics, average ER wait time at Campbellton Regional in 2024 was 2 hours 40 minutes (from registration to physician assessment).
Campbellton is a safe city with low violent crime rates. However, health risks for travelers include:
Patient: John M., 45, from Maine, USA.
Incident: Fractured tibia while skiing at Sugarloaf.
Treatment: ER visit, X-ray, closed reduction, cast, 2-day ward stay.
Total Bill: $8,450 CAD.
Insurance: World Nomads Explorer Plan.
Outcome: Direct billing approved. John paid $0 out-of-pocket. Insurance covered 100%.
Patient: Sarah W., 68, from London, UK.
Incident: Severe community-acquired pneumonia.
Treatment: ER visit, 5-day ICU stay, antibiotics, oxygen therapy, CT scan.
Total Bill: $22,350 CAD.
Insurance: AXA Travel Insurance (Gold).
Outcome: Billed directly. AXA covered 100% after a $250 deductible.
Case Note: In both cases, the hospital required the insurance company to provide a "Guarantee of Payment" (GOP) before admission. Without it, a deposit of $5,000-$10,000 would have been required.
Road Name Note: Lily Lake Road is the main artery connecting the hospitals to the Trans-Canada Highway (Route 11). Sugarloaf Road leads to the ski park.
While there are no "fines" for being uninsured in Canada, there are severe financial consequences:
Legal Reference: Under the New Brunswick Hospital Act (SNB 1976, c H-2, s 6), hospitals are authorized to charge non-residents the full cost of services.
A. Campbellton Regional Hospital (189 Lily Lake Rd) is the primary acute care hospital accepting international travel insurance. The Restigouche Hospital Centre (psychiatric) also accepts it for specialized referrals.
A. Yes, it accepts most major international travel insurance plans. It offers direct billing for pre-approved cases from companies like Allianz, World Nomads, and AXA, or provides itemized statements for reimbursement.
A. Proceed directly to the Emergency Department registration desk. Present your valid travel insurance card, policy number, and a government-issued ID (passport). The hospital will attempt to verify coverage immediately.
A. Without insurance, an Emergency Room visit costs $750-$1,200. A ward stay is $2,800-$4,500 per day. An MRI scan is $1,500-$2,500. Ambulance transport costs $250-$500.
A. You need: 1) Valid Passport or Government ID, 2) Travel Insurance Policy Card, 3) Insurance Policy Number, 4) Emergency Contact Information, 5) Known Medical History/Allergies.
A. Yes, most comprehensive travel insurance policies cover medically necessary ground ambulance transportation to the nearest appropriate facility. Verify with your provider if air ambulance (helicopter) is required for remote areas.
A. Campbellton primarily operates under the public healthcare system. Private specialist clinics (e.g., radiology) exist but require a referral from the hospital ER or a local NB physician. They generally accept insurance for uninsured services.
A. If denied, the hospital will require immediate payment of the outstanding balance. You can file an appeal with your insurer, seek assistance from the Ombudservice for insurance, or consult a legal professional. The Hospital Patient Advocate can provide local support.
The information provided on this page is for general informational purposes only and does not constitute medical, legal, or financial advice. Hospital policies, insurance contracts, and Canadian healthcare laws are subject to change. Always verify directly with Vitalité Health Network and your insurance provider before traveling.
Legal Reference: New Brunswick Hospital Act (RSNB 1973, c H-6) – governs the administration of hospitals and the charging of non-residents. Canada Health Act (1985, c C-6) – outlines conditions for insured health services. We recommend consulting a licensed insurance broker or legal professional for personalized advice.
Last Updated: January 2025.
