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
: Health care services as of result of a COVID-19 infection
abroad are covered, as long as you have not tested positive
for COVID-19 or showed symptoms prior to your departure. COVID-19
• Trip Cancellation & Interruption: COVID-19 is a known and not covered situation for the Trip Cancellation and Interruption benefit.
Therefore, you will not be covered if you must cancel or interrupt your trip for this reason.
For assistance to
complete the online application or to buy a policy over-the-phone,
call 416-493-0101, 1-877-443-0101
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.
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.
Covers transportation expenses for the return
to the province of residence and then the return to the original trip
destination if the return is made necessary by:
- death, or hospitalization for at least 7 days of a member of the family of
the covered person, a family member of his spouse or of the person for
whom the covered person acts as legal guardian or estate executor. It is
not necessary to wait 7 days before departure, but expenses will be
reimbursed only if the person remains hospitalized for at least 7 days;
- disaster which renders the covered person’s principal residence
uninhabitable or causes significant damages to his commercial establishment.
The refundable expenses correspond to the cost of a round-trip public
transportation economy fare ticket by the most direct route.
Exclusions and reductions of coverage
1. Only one emergency return per trip shall be reimbursed;
2. When applying for insurance, the covered person must not know the
reason which would keep him from continuing his trip as originally
3. Accommodation costs during transportation are not covered.
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 and over, during the 6 months
prior to the effective date of coverage (departure date for a top-up):
a) any illness, injury or condition (with the exception of a minor
ailment} related to a medical condition for which the covered person:
- consulted a physician (other than for a regular check-up), or;
- was hospitalized, or;
- was prescribed or received a new treatment, or;
- received a change in an existing treatment, or;
- was prescribed or took a new medication, or;
- received a change in existing medication (including usage or dosage).
b) any heart condition for which the covered person took
nitroglycerin more than once in a 7-day period for the relief of chest pain.
c) any pulmonary condition for which the covered person was
treated with home oxygen or needed 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, bypass,
angioplasty, angina, arrhythmia, pacemaker, congestive heart
failure, defibrillator, valvulopathy or valve replacement,
cardiomyopathy, myocarditis, pulmonary hypertension, aortic aneurysm);
- kidney failure;
- organ transplant (heart, liver, pancreas, lung, bone marrow);
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.
The Insurer does not consider a change in existing medication the following elements:
- the routine adjustment of insulin or Coumadin;
- a change from a brand name medication to a generic brand
medication, provided the dosage is the same;
- Aspirin® taken for поп-prescribed medical purposes;
- decrease of the dosage of cholesterol medication;
- hormone replacement therapy;
- vitamins and minerals and non-prescription medication;
- creams or ointments prescribed for cutaneous irritations.
Some Other Exclusions
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:
Any state or condition for which symptoms were
ignored or for which medical advice was not
followed or the recommended investigations,
treatments, tests or procedures were not carried out.
Pregnancy, delivery or complications resulting from either of these
events, during the 8 weeks before or after the expected date of delivery.
Accident sustained by the covered person while participating in a sport
for remuneration or in a sporting event where cash prizes are awarded
to the winners.
Abuse of medication or alcohol, or use of drugs, use of experimental
drugs or products or any other drug-addiction, and any condition
No benefits are payable if trip is undertaken for the purpose of receiving
medical attention or paramedical services.
● Any condition resulting from a mental, nervous,
psychological or psychiatric problem, unless the covered
person is hospitalized for that specific reason.
● Care or treatments received outside the province of residence,
when such care or treatments could have been obtained in the province of
residence without endangering the life or health of the covered person,
with the exception of care for immediately necessary treatment
following an emergency resulting from an accident or sudden illness.
● Any claim for patients in chronic care hospitals or public hospital
rehabilitation services, or in nursing homes or health spas.
● Any care, treatment, products or services other
than those declared by the appropriate authorities to be
required for the treatment of the injury or disease or
stabilization of the medical condition.
● Care or treatments such as those
rendered by an acupuncturist, a homeopath or a naturopath.
Any benefit that must be
authorized or arranged in advance by the
Assistance Centre when it has given no
authorization or made no arrangement for
Failure of the covered person to communicate beforehand with CanAssistance in the event of medical consultation or hospitalization
following an accident or sudden illness.
Once the contract has been extended,
any medical condition that arose during the
initial period of coverage will be excluded
as of the date of the extension.
Expenses exceeding $10,000 for emergency
air evacuation to the nearest medical facility when the
transportation was not planned by CanAssistance.
Expenses incurred in the covered
person’s province of residence or upon return to the destination
if these expenses are related to a change in health condition of
the covered person while on Trip break in his province of
Please refer to the
for a full list of exclusions and limitations.
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