Blue Cross Travel Insurance for Canadians
Blue Cross Travel insurance offers the Emergency Medical Care benefit,
as well as Trip Cancellation or Interruption, Accidental Death or Dismemberment,
Air Flight Accident, Emergency Return, Baggage and Car Rental Physical Damage benefit.
You may choose one or several benefits in one policy.
Does this policy cover COVID-19 coverage?
• Emergency Medical
Emergency medical care covers COVID-19, including the Omicron variant,
unless it is a pre-existing condition prior to departure. More
• Trip Cancellation & Interruption:
Starting March 30, 2022, the Trip Cancellation or Interruption coverage
will cover COVID 19 under the same conditions as any other event, namely that it be fortuitous and unforeseeable,
beyond the control of the affected individual and serious enough to require your
client to cancel, interrupt, extend or modify their trip as per the contract.
coverage you will get
Emergency Medical Care Benefit
one trip (single trip plans) and many trips (multi-trip annual
Who can apply:
At the time of application and during the entire
period of coverage, all covered persons must be covered under the government
health and hospitalization programs of their province of residence.
Eligibility (age 55+)
In order to be eligible for purchasing or renewing
a travel insurance contract which includes Emergency Medical Care benefit,
the covered person aged 55 and over must not:
• Have received medical advice not to travel;
• Suffer from a medical condition in a terminal stage,
• Suffer from kidney failure treated through dialysis;
• Have been diagnosed with or treated for metastatic
cancer in the past 5 years;
• Have been prescribed or treated with home oxygen
in the past12 months.
questionnaire is required for
travelers 75 years of age or under and trips no longer than 31 days.
Single-Trip Plan provides
one trip from your province of residence.
During the period of coverage you can return to their province
of residence and go back to your destination without terminating
the insurance contract. You must meet insurance eligibility
criteria before leaving again.
you take two or more trips each year, you can
purchase a Multi-trip annual plan for an
unlimited number of trips taken during one year.
Coverage for each separate trip commences and becomes effective
immediately upon your departure from your province of residence and
the duration of each trip does not exceed the number of days per trip
chosen at the time of purchase this insurance.
You can consider 4, 8, 17, 31, 60, 90, 120, 150 or 180 days per trip.
Proof showing the duration of the trip will be
required when processing a claim.
your trip duration exceeds the maximum number of days
allowable per trip,
you can purchase a discounted Blue Cross policy which would cover the entire trip
duration for Blue Cross.
Top-up (or extension) purchased from another insurer shall render
your Blue Cross contract null and void in its entirety.
age on the application date. No maximum age limit.
deductible options are available for Single-Trip and Multi-Trip
Emergency Medical Care plans: $0, $250, $500, $1,500, $2,500, $5,000 CAD.
Full refund: You
may cancel your Emergency Medical policy (Single trip or Multi-trip) prior to your policy
refund (Single trip Emergency Medical policy): If you return home early, you may request a refund of premium for the unused coverage days of your trip
providing there has been no claim submitted for this trip.
You must provide proof of your return date. The countdown of unused days starts the day
after your return and a $25 fee applies.
Refunds and cancellations are not
• On the policies that include the Trip Cancellation
& Interruption and Emergency Return benefits, and
• Annual Multi-Trip policies after the
policy effective date.
Coverage under this contract may be extended:
• If the covered persons remains eligible for insurance;
• If the insured's health condition remains unchanged
since the departure date;
• If the covered person files a claim during the initial period of coverage,
the insurer’s approval is required to extend the contract. Once the approval to extend the contract
has been granted, any claim that pertains to an event that occurred
during the initial period of coverage will be rejected.
• The contract holder must file a request for extension prior
to the end of the initial period of coverage by contacting the Insurer.
The contract must cover the total duration of the trip including the return date
and the extension must be purchased from Blue Cross.
An extension purchased from another insurance company shall render your
Blue Cross contract null and void in its entirety.
All coverage will automatically be extended free of charge:
• up to 24 hours when the return home is delayed
due to the carrier or as the result of a traffic accident or mechanical failure
of the private vehicle returning to the departure point (claim must be supported by documentary proof);
• during the period of hospitalization and the
24 hours which follow the discharge from hospital of a covered person;
• up to 72 hours when the return home is delayed due
to a covered person’s illness occurring within 24 hours prior to the
contracted return date and requiring emergency medical care.
MEDICAL CARE BENEFITS
includes the following Emergency Medical Care Benefits and Servcies
Reasonable and customary charges, subject to a maximum of $5,000,000
provided that these charges are not incurred before obtaining
the approval of CanAssistance.
Emergency medical treatment
The cost of hospital services in a private
or semi-private room which is in excess of the amount refunded
or refundable under government programs.
Physicians’ fees: the difference between fees charged
by a physician and benefits allowed under government programs;
The fees of a registered nurse (other than a relative)
for private care while hospitalized and when medically
necessary and prescribed by the attending physician;
The purchase or rental cost of crutches,
canes or splints and the rental cost of wheelchairs,
orthopedic corsets and other medical appliances when
prescribed by the attending physician;
The charges for laboratory tests and X-rays when
prescribed by the attending physician;
▪ The cost of drugs requiring a physician’s prescription,
when required as part of emergency treatment (except when they are required for
the continued stabilization of a chronic medical condition;
Physiotherapist, chiropractor, osteopath or podiatrist
when medically necessary and prescribed by the attending physician, up to
a maximum of $300 per profession.
Dermatological emergencies up to a maximum of $300 per trip.
Emergency dental treatment
The fees of dental surgeons for emergency dental care treatment,
excluding root canal therapy, up to $500 per trip and per covered person.
The fees of dental surgeons up to $2,000 per accident and per covered
person for treatment necessitated by an external injury (not as a result of
introduction of food or an object into the mouth), only when natural and
healthy teeth which have had no previous treatment are damaged
The expenses inherent to hospitalization (telephone, television, parking etc.)
upon presentation of documentary proof up to a maximum of $100 per hospitalization.
Up to $3,000 (maximum $300 per day) for the cost of accommodation
and meals in a commercial establishment, when a covered person’s return must
be delayed due to illness or bodily
injury to himself or to an accompanying immediate family member or travelling companion.
The following services must be
approved and planned by CanAssistance:
Ambulance or taxi service
The cost of local ambulance or air ambulance service to the nearest
accredited medical facility, including inter-hospital transfer when the
attending physician and CanAssistance determine that existing facilities are
inadequate to treat or stabilize the patient’s condition.
Repatriation to the province of residence
The cost of repatriation of the covered person to his province of residence by
means of appropriate transportation in order to receive immediate medical
attention following the authorization of the attending physician and CanAssistance.
Transportation to visit the covered person
transportation of the deceased, the insurer covers the following expenses:
1. Up to $1,200 for:
- The cost of accommodation, the cost of meals in a commercial
establishment, and the cost of child care services, up to a daily
maximum of $300;
- The cost of travel insurance.
2. The total cost of round-trip, economy class transportation.
In the event that the family member or friend of the covered person travels
to the hospital where the covered person is being treated, the expenses
described above will be reimbursed only
if the covered person remains
hospitalized for at least 7
days and the attending physician acknowledges in writing that the visit is necessary.
Return of the deceased
The cost of preparation and transportation of the deceased person
(excluding the cost of a coffin) to the departure point in the province of
residence or the cost of cremation or burial on site (excluding the cost of a
coffin, an urn and a gravestone), subject to a total reimbursement of $10,000.
The cost of returning a covered
person’s road vehicle by a commercial agency, or by any person authorized by
CanAssistance, when the
covered person is unable to return the
vehicle due to illness or accident,
subject to a maximum refund of $5,000.
When the covered person is repatriated for medical reasons to the province
of residence at the Insurer’s expense, the cost to bring back the covered
person's baggage to the province of residence is covered, up to a maximum of $300.
When the covered person is repatriated for medical reasons to the province
of residence at the Insurer's expense, the cost to bring back the covered
person's pet to the province of residence is covered, up to a maximum of $500.
EXCLUSIONS AND LIMITATIONS
insurance does not cover everything. This insurance has
exclusions, conditions and limitations. Please read them and
understand the policy before you buy this insurance.
Exclusions Relating to Pre-Existing Medical
No benefits are payable under this benefit if the loss sustained or the
expenses incurred result directly or indirectly from one of the following causes:
1. For persons under the age of 55, during the 3 months prior to the
effective date of coverage (departure date for a top-up), and
For persons aged 55 to 75 travelling less than 32 days, during the 6 months
prior to the effective date of coverage (departure date for a top-up):
a) Any medical condition that affects you and that is not STABLE, except for a minor ailment
b) Any heart condition for which you have used nitroglycerin more than once in a 7-day period for the relief of chest pain
c) Any pulmonary condition for which you have been treated with home oxygen or have required corticosteroid therapy
2. For persons aged 55 to 75 and covered for 32 days or more
OR aged 76 and over:
A) The following particular medical conditions are excluded
unless otherwise stipulated on the insurance certificate. The
Medical questionnaire is required to determine eligibility for
coverage for these conditions.:
a) During the lifetime of the covered person, any illness or
condition related to the following medical conditions for which
the covered person was diagnosed with or treated for:
● Cardiovascular condition
- myocardial infarction (Heart attack)
- pulmonary hypertension
- aortic aneurysm
- valvulopathy or valve replacement
|- congestive heart failure
● Kidney failure
● Organ transplant (bone marrow, heart, liver, lung,
b) During the 24 months prior to the effective date of
coverage (departure date for a top-up), any chronic pulmonary condition (asthma,
emphysema, chronic bronchitis, pulmonary fibrosis) for which
the covered person was hospitalized or took cortisone pills.
c) During the 12 months prior to the effective date of
coverage (departure date for a top-up), any illness or condition related to one of the following
● cancer (with the exception of basal cell carcinoma) for which
the insured person was diagnosed with or treated for;
● gastrointestinal condition (cirrhosis, hepatitis C, intestinal
obstruction, diverticulitis, Crohn’s disease, pancreatitis,
ulcerative colitis) for which the insured person was
diagnosed with or treated for.
В) Also excluded when occurring during the 6 months
preceding the effective date of coverage
(departure date for a top-up):
i) Any medical condition that affects you and that is not STABLE, except for a minor ailment
ii) Any heart condition for which you have used nitroglycerin more than once
in a 7-day period for the relief of chest pain
iii) Any pulmonary condition for which you have been treated with
home oxygen or have required corticosteroid therapy
STABLE means a pre-existing medical condition that has remained unchanged for several
months prior to the effective date of insurance (or departure date for a top-up).
For a pre-existing medical condition to be considered STABLE, it must meet all the following criteria:
1. No new medical diagnosis has been made
2. No new symptoms appeared and there was no worsening or increase in the frequency of existing symptoms
3. No hospitalization has taken place
4. No new medication was prescribed or recommended
5. No change of dosage: was made to a medication already prescribed or recommended (dose increased or
decreased, or consumption stopped)
6. No new treatment or medical test is pending or has been prescribed, ongoing or recommended
7. No ongoing treatment has been changed or discontinued
8. No prescribed or recommended treatment, nor medical advice has been ignored
The Insurer does not consider a change in existing medication the following elements:
- Routine insulin or Coumadin® adjustment;
- Replacement of a medication by an equivalent generic brand if its dosage remains unchanged;
- Decrease in dosage of cholesterol medication;
- Change to hormone replacement therapy treatment;
- Change in consumption of non-prescribed medication such as: Aspirin®, vitamins, minerals, etc.;
- vitamins and minerals and non-prescription medication;
- Use of cream or ointment prescribed for skin irritation.
If you make pre-paid travel arrangements, you may want to choose
the All-Inclusive plan that includes:
Coverage Amounts per Insured
Emergency Medical Insurance
up to $5,000,000 per policy
Trip Cancellation &
- Before departure
- After departure
According to the amount shown on the insurance certificate
Up to $1,500
Accidental Death or Dismemberment
Up to $100,000
Air Flight Accident
Up to 300,000
Blue Cross offers Package Plus and Canada Package.
can be purchased:
- All inclusive: all benefits listed above are included;
- without Emergency Medical Care ;
- without the Trip Cancellation & Interruption benefit;
- without Trip Cancellation but with Trip Interruption
- without Emergency Medical Care and Trip Cancellation insurance but with Trip Interruption benefit;
can be purchased:
- All inclusive
- without Trip Cancellation coverage but with Trip Interruption benefit;
- without Trip Cancellation or Interruption insurance.
The Canada Package is applicable only within the Canadian borders.
Any trip outside Canada is not covered under this product
For packages with Trip Cancellation and/or Interruption:
the purchase or prepayment of land or sea arrangements or
transportation ticket are compulsory.
Please refer for the
Policy Wording for details.
NOTE: The product-related information is for illustration purpose
only. Please refer to the Policy wording for details on the coverage
provided, conditions, exclusions, limitations and claim procedure.
have questions about this insurance coverage, or need help to
complete the online application, or you want to purchase a policy, please, call at
416-493-0101 or 1-877-443-0101 or
click here to ask your
to do if you got sick or injured
If the insured needs health care abroad, he or
a travelling companion must call CanAssistance immediately.
Canada, United States: 1-800-361-6068
Elsewhere in the world, collect: 514-286-8411
Assistance agents offer the covered person 24-hour service, 7 days a week.
If the covered person cannot call collect,
the Insurer will reimburse the cost. The Insurer will not pay for roaming charges.
For better service, the covered person must give his name,
the phone number where he is calling from and his contract number.
Failure to contact CanAssistance beforehand in the event of
medical consultation or hospitalization following an accident or
sudden illness could result in the compensation requested being refused.
To obtain an extension, the covered person must contact the Insurer at:
Canada, United States: 1-877-986-7681
Elsewhere in the world, collect: 514-286-7681
Settlement of Claims
To obtain a claim form,
the covered person may contact our Customer
Service Department at one of the following numbers:
Ontario and Atlantic region: 1-800-557-3907
Quebec: 514-286-6690 /1-800-387-2538