Travel insurance Blue Cross

Changes have been made to our policy to clarify the coverage. Read it carefully before your departure. Read policy

In accordance with federal government restrictions on travel, we have temporarily suspended new travel insurance sales for all trips to Mexico, the Caribbean and for all cruises.
The Emergency Medical Care benefit does not cover the cost of getting tested for COVID-19 while travelling unless prescribed by a doctor following a medical emergency or sudden illness.
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. It is impossible to guarantee access to health care services abroad during the pandemic.
Emergency repatriation is only covered if it is considered necessary and safe by the travel assistance medical team and the attending physician at the destination. Inability to access health care or lack of access due to overcrowded medical centres alone does not constitute grounds for emergency repatriation.
Do not forget to consult the government advisories for your destination and find out about health authority guidelines before your departure.
Annual travel insurance is a non-refundable product.

A Frequently Asked Questions’ page has been developed to answer the most common questions related to the COVID-19 pandemic. Access the FAQ by clicking here

I read and understood the important information mentioned above.

Main destination

Please enter the name of the country corresponding to your trip destination.

In accordance with federal government restrictions on travel, we have temporarily suspended new travel insurance sales for all trips to Mexico, the Caribbean and for all cruises.

Place of residence

Select the province where you live in 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.

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 eight days.

Emergency medical care

This insurance covers emergency medical costs in case of an accident or sudden illness during your trip.

Total cost of non-refundable expenses

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.

Travel insurance sales for Mexico, the Caribbean and for cruises suspended

In support of collective efforts to slow the spread of COVID-19 and to ensure the safety of our clients, we are temporarily suspending new travel insurance sales for all trips to Mexico, the Caribbean and for all cruises.

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.

In addition, to be eligible, none of the persons to be insured who are 55 years old and over should:

Have received medical advice not to travel.
Suffer from a medical condition in a terminal stage.
Suffer from kidney failure treated with 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 past 12 months.

2- Emergency Medical Care benefit - Exclusions due to pre-existing conditions
A pre-existing condition refers to an illness, an injury or an existing health condition.

In order for a pre-existing condition to be covered during a trip, stability of several months is required.

For the Emergency Medical Care benefit:

Age 54 and under: 3 months stability before departure date
Age 55 and over: 6 months stability before departure date

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 existing medication* (including usage or dosage).
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.

Specific to Annual Plans
If you purchase the Annual 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- All benefits - Other 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 the Emergency medical care benefit, in addition to the exclusions related to pre-existing conditions, other exclusions apply, particularly hazardous sports or sports for remuneration, the abuse of medications, alcohol or drugs, wars or armed conflict. Moreover, 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 selected product includes Accidental Death or Dismemberment and Air Flight Accident benefits, other exclusions apply. They include, among other things, exclusions relating to terrorism and the commission of a criminal act.

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.

In addition, to be eligible, none of the persons to be insured who are 55 years old and over should:

Have received medical advice not to travel.
Suffer from a medical condition in a terminal stage.
Suffer from kidney failure treated with 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 past 12 months.

2- Emergency Medical Care benefit - Exclusions due to pre-existing conditions
A pre-existing condition refers to an illness, an injury or an existing health condition.

In order for a pre-existing condition to be covered during a trip, stability of several months is required.

For the Emergency Medical Care benefit:

Age 54 and under: 3 months stability before departure date
Age 55 and over: 6 months stability before departure date

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 existing medication* (including usage or dosage).
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.

Specific to Annual Plans
If you purchase the Annual 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- All benefits - Other 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 the Emergency medical care benefit, in addition to the exclusions related to pre-existing conditions, other exclusions apply, particularly hazardous sports or sports for remuneration, the abuse of medications, alcohol or drugs, wars or armed conflict. Moreover, 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 selected product includes Accidental Death or Dismemberment and Air Flight Accident benefits, other exclusions apply. They include, among other things, exclusions relating to terrorism and the commission of a criminal act.

TRAVEL INSURANCE QUOTE

Main destination

Place of residence

Departure date from your province of residence

Arrival date in Canada

Return date to your province of residence

Departure date from Canada

Trip duration

Travellers dates of birth

Eligibility declaration