Travel insurance Blue Cross

Main destination

Please enter the name of the country corresponding to your trip destination. If you are a visitor to Canada, please select “Canada”.

If you are visiting more than one country, enter the one you will be spending the most time.

For a multi-trip coverage, select “Cruise or various countries” or “Other”.

Place of residence

Canadian residents: select the province where you live in Canada.
Non residents (visitors to Canada, foreign students/workers or immigrants and Canadian citizens who are not covered under a provincial health plan): select “Outside Canada”.

Departure date from your province of residence

The departure date is the date you plan to leave your province of residence. For example, if you are going on a cruise, your date of departure should be the day you are boarding the ship. For a multi-trip plan, enter the departure and return dates of the longest trip you're planning to do within the next year.

Return date to your province of residence

The return date is the date you plan to return to your province of residence. For a multi-trip plan, enter the departure and return dates of the longest trip you're planning to do within the next year.

Arrival date in Canada

The arrival date in Canada is the date you arrived or the date you plan to arrive in Canada.

Departure date from Canada

The departure date from Canada is the date you plan to leave Canada. For foreigner workers/students, immigrants or returning Canadians, select the date you want your insurance coverage to end.

Travellers dates of birth

Please enter a valid date of birth for each person to be insured. The date of birth is required to provide the correct quote price. The person designated as primary traveller will be mentioned on the insurance certificate as the contract holder.

Trip duration

The duration of the trip considers each day of your trip.

Canadian Residents: The date of departure from your province of residence is Day 1 of your trip, and the date you plan to return to your province of residence is the last day of your trip. For example: if you leave your province of residence on April 5th and are back on April 12th, the total duration of your trip is 8 days.

Visitors to Canada: The date of your arrival in Canada is the first day of your trip, and the date you plan to leave Canada is the last day of your trip. For example: if you arrive in Canada on May 2nd * and leave on May 31st, the total duration of your trip is 30 days.
* If you purchase your insurance after your arrival in Canada, the coverage period will be recalculated to reflect the date of purchase of your insurance since coverage is not retroactive.

Total cost of trip

INCLUDE the total cost of expenses for the trip and are non-refundable (deposits, transportation costs, hotel, package tours, etc)

DO NOT INCLUDE:
- Refundable travel costs.
- Trip cost purchased by redemption points or miles programs.

If there is no trip cost or you do not require a trip cancellation enter 0 or leave it blank.

Note: Please round up your trip cost to the nearest dollar and do not enter a dollar sign, decimal point or cents.

Email address

Please enter your email address. Unless you agree to receive Blue Cross exclusive offers, we will only use your email address to send you information or documents related to your quote or purchase, as applicable.

Terms and conditions

1- Eligibility
Each person to be insured confirms that he/she meets the following criteria:

You are a Canadian resident.
You purchase the policy before your departure and the coverage duration is equal to your travel duration including departure date and return date.
You depart from and return to your province of residence at the end of the trip.
Your provincial health insurance card is valid and will be valid for the entire duration of your trip.

2- Notice - pre-existing conditions
A pre-existing condition refers to an illness, injury or an existing health condition.

For Emergency medical care, in order for a pre-existing condition to be covered during a trip, stability of several months is required before departure.

Number of months:

Age 54 and under: 3 months
Age 55 and over: 6 months

For a pre-existing condition to be considered stable and covered during a trip, none of the persons applying for coverage must have:

Been hospitalized.
Consulted a physician (except for a medical checkup).
Had a change in dosage* in existing medication.
Received a new prescription or taken a new medication.
Had a change in an existing treatment.
Received a new treatment or a prescription for a new treatment.
Taken nitroglycerin for any heart condition more than once in a 7-day period for the relief of chest pain.
Been treated with home oxygen or needed corticosteroid therapy for a pulmonary condition.

* 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 non-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.

For Trip cancellation/interruption, a 3-month period of stability is required before the insurance purchase date.

Annual/Summertime Blue Details
If you purchase the Annual or Summertime Blue product, you must understand that exclusions relating to pre-existing conditions apply to each new trip.
Therefore, the effective date of the various benefits is taken into account for each departure and/or purchase.

3- Exclusions, limitations or reductions of coverage
It is important to understand that the travel insurance contract contains exclusions, limitations or reductions of coverage based on the benefit/travel insurance product that you purchase. All the exclusions and reductions of coverage are detailed in the travel insurance policy. You must read them before the effective date.

For example, if the purchased product contains Emergency medical care and/or the Trip cancellation/interruption benefits, exclusions related to pre-existing conditions apply according to your age as mentioned in the above section. Other exclusions apply such as hazardous sports or sports for remuneration, the abuse of medications, alcohol or drugs, wars or armed conflict. In addition, only care or treatments that are covered by your government health and hospitalization plan are covered by this travel insurance. For example, treatment provided for esthetic purposes is excluded.

If the purchased product contains the Trip cancellation or interruption benefit, exclusions related to this benefit will apply. For example, for a trip cancellation or interruption claim to be accepted, the reason must be serious enough to prevent the trip from taking place. The cause for the trip cancellation or interruption must not appear under this benefit's exclusions and reductions of coverage.

1- Eligibility
Visitors to Canada insurance if offered to:

Immigrants or permanent residents awaiting eligibility for the government health insurance plan or to persons who, during their trip, completed the procedures for obtaining immigrant or permanent resident status.
Foreign workers in Canada who possess a work permit.
Foreign students in Canada who possess a study permit.
Canadian citizens returning home after a long absence.
Visitors to Canada.

Geographical area
This insurance applies to trips made in Canada and in the United States.

As a condition for the coverage to apply in the United States, the places of departure and return must be in Canada and the duration of trips in the United States must be shorter than the duration of trips in Canada.

The insurance does not cover a permanent resident of the United States who, during the period of coverage as visitor to Canada, returns to the United States and there incurs hospitalization, medical and paramedical expenses.

2- Notice - medical conditions excluded
The contract contains exclusions relating to pre-existing conditions.

1. If a covered person has already undergone one of the procedures mentioned below, or has already suffered or is currently suffering from one of the following cardiovascular conditions, all of the following cardiovascular condtions will not be covered: bypass, angioplasty, defibrillator, heart attack, aortic aneurysm, angina, valvular heart disease, peripheral vascular disease, heart rhythm disorders (arrhythmia, tachycardia, bradycardia).

2. If one of the covered persons has already suffered or is currently suffering from one of the following conditions, all of the following pulmonary conditions will not be covered: chronic bronchitis, emphysema, cystic fribrosis, COPD (chronic obstructive pulmonary disease).

3. If one of the covered persons has had a stroke (cerebrovascular accident) or TIA (transient ischemic attack), both of these neurological conditions are not covered.

Having ignored symptoms that can lead to one of these conditions also constitutes grounds for exclusion.

By suffered, we mean that during his/her lifetime, one of the covered persons has:
- consulted a doctor, or;
- been diagnosed, or;
- been treated, or been recommended to be treated for, or;
- been hospitalized, or;
- been prescribed or taken medication, or;
- undergone a procedure or has been recommended to undergo a procedure, or;
- been tested or been recommended to undergo testing for one of the mentioned conditions.

3- Notice - pre-existing conditions
A pre-existing condition refers to an illness, injury or an existing health condition.

For Emergency medical care, in order for a pre-existing condition other than the ones mentioned in the Notice regarding medical conditions excluded to be covered by the Visitors to Canada travel insurance, stability of several months is required before the effective date of coverage.

Number of months:

Age 54 and under: 3 months
Age 55 and over: 6 months

For a pre-existing condition to be considered stable and covered, none of the persons applying for coverage must have:

Been hospitalized.
Consulted a physician (except for a medical checkup).
Had a change in dosage* in existing medication.
Received a new prescription or taken a new medication.
Had a change in an existing treatment.
Received a new treatment or a prescription for a new treatment.
Taken nitroglycerin for a heart condition.

* 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 non-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.

4- Exclusions and reductions of coverage
It is important to understand that the Visitors to Canada insurance contract contains exclusions and reductions of coverage. All the exclusions and reductions of coverage are detailed in the insurance policy. You must read them before the effective date.

For example, exclusions related to pre-existing conditions apply according to your age as mentioned in the above section. Other exclusions apply such as costs incurred for pregnancy, delivery and complications arising therefrom, hazardous sports or sports for remuneration, the abuse of medications, alcohol or drugs, wars or armed conflict. In addition, this product does not cover non-urgent care, such as regular check-ups with a physician, precription refills or follow-up visits for a chronic or stabilized condition.

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