Wherever life may take you

You can count on us for support no matter where you are in life. We've been doing that for over 80 years.

travel

Travel insurance

Canadian travellers, visitors or newcomers to Canada: we have insurance solutions for you.

 
health

Health Insurance

Self-employed workers, new retirees, students or employees without group insurance: we’re here to protect your health.
 
life

Life insurance

If you passed away unexpectedly, would you leave your loved ones financially protected? Find out how to get the protection your family needs.
télémedecine

 

Virtual health care

Get free medical support

Our eligible health insurance plans give you access to virtual health care, free of charge. Talk to a doctor online, receive a personalized care plan and renew prescriptions, all from the comfort of your own home.

 

Other reasons to choose Ontario Blue Cross
 

avion

Flight Delay Service

With this exclusive program included free of charge with your health insurance plan, benefit from exclusive discounts on health and wellness products and services.


Learn more

Blue advantage

Blue Advantage®

This exclusive program, included free of charge in your health insurance policy, gives you access to various support services to help you through a difficult situation.

Learn about the program

virtual health

Virtual health care service

Free consultations with health professionals in the comfort of your home. A new way to manage your health care at your fingertips.


Learn more

Our community 
involvement

By choosing Ontario Blue Cross to support you at home and abroad, you're also giving back to the community.

child
Perso

Line

Medical emergency in Italy

“I have always received good service from Ontario Blue Cross. That’s why I’ve been choosing this insurance provider for more than 20 years to cover my family while travelling.”

woman

Sherry

Baggage delay in Florida

“Ontario Blue Cross provided us with exceptional support throughout the claims process. The reimbursement was quick and efficient.”

Man

Richard

Medical emergency in Florida

“We knew we were in good hands with Ontario Blue Cross, which was very reassuring. Thank you very much.”

Perso

Line

Medical emergency in Italy

“I have always received good service from Ontario Blue Cross. That’s why I’ve been choosing this insurance provider for more than 20 years to cover my family while travelling.”

woman

Sherry

Baggage delay in Florida

“Ontario Blue Cross provided us with exceptional support throughout the claims process. The reimbursement was quick and efficient.”

Man

Richard

Medical emergency in Florida

“We knew we were in good hands with Ontario Blue Cross, which was very reassuring. Thank you very much.”

Need to know more?
 

plane

Travelling during the pandemic

Get informed before you decide to travel.

dice

About us

Products and services that have evolved with our clients since 1942.

toy plane

Our travel tips

Tips for safe travel, ideas for planning your dream vacation.

icons

Our health tips

Read our suggestions for taking care of yourself and making your life a little easier.

Find the answers to your questions

Insurance doesn't have to be complicated.

TRAVEL INSURANCE
HEALTH INSURANCE

Emergency Medical Care Coverage 

Yes, as long as you meet the pre-existing medical condition requirements of your contract. 

Trip Cancellation or Interruption Coverage 

If you bought your travel insurance before November 1, 2022, you are covered under the Trip Cancellation or Interruption coverage, if it took effect after March 30, 2022, under the same conditions as any other event mentioned in the contract. 

If you bought your travel insurance on or after November 1, 2022, the Trip Cancellation or Interruption coverage allows you to be reimbursed for certain costs related to pandemics, including COVID-19, only if you have purchased Optional Protection: Pandemic. 

To learn more about the Optional Protection: Pandemic and about the Trip Cancellation or Interruption coverage, please consult the "Trip Cancellation or Interruption" section of your travel insurance policy or contact us at 1-888-822-5383. 

Emergency Medical Care Coverage 

Yes. The travel advisories of the Government of Canada do not affect insurance eligibility. However, we recommend that you follow government and health authority recommendations. 

Trip Cancellation or Interruption Coverage 

This coverage contains limitations regarding government advisories. Please refer to our policy to find out more. 

For contracts purchased between March 30 and October 31st, 2022, if an advisory to “Avoid non-essential travel” or “Avoid all travel” is effective when the coverage becomes effective, the “Return delay expenses – COVID-19 pandemic” benefit covers some expenses. The expenses are covered if you must postpone your return due to a positive COVID-19 test or contact tracing. 

For contracts purchased on or after November 1, 2022, you will need to purchase Optional Protection: Pandemic if you wish to benefit from the same coverage. 

If you have any questions about your coverage, please refer to your travel insurance policy or contact us at 1-888-822-5383. 

This is an option that we offer clients who take out travel insurance on or after November 1, 2022. This option makes it possible to insure certain Trip Cancellation or Interruption costs, including those incurred during a pandemic. In fact, if you bought your travel insurance on or after November 1, 2022, you are not covered by the Trip Cancellation or Interruption coverage in the event of a pandemic unless you purchase Optional Protection: Pandemic. 

This coverage must be purchased within 5 days of the first non-refundable prepaid travel arrangement made and purchased at the same time as the Trip Cancellation or Interruption coverage. If you don’t insure your travel expenses, you can purchase the Trip Cancellation or Interruption coverage + Optional Protection: Pandemic, at any time prior to departure. The level of coverage varies depending on whether or not a Canadian government travel advisory related to a pandemic is in force on the effective date of the coverage. 

To learn more about the Optional Protection: Pandemic, please consult the "Trip Cancellation or Interruption" section of the travel insurance policy

No, the situation in European countries for which no government advisory has been issued does not fall within the conditions eligible for the cancellation and interruption of a trip. As the situation is changing rapidly, we urge you to monitor government warnings that may affect your travels and contact our Client Experience Center at 1-888-822-5383 who will answer your questions. We continue to support you and we recommend you be extra vigilant.

Yes. Even if our local offices are currently closed, our customer service remains open from Monday to Friday, from 8 a.m. to 5 p.m. (Eastern time). For any questions, call us at 1-888-822-5383 or 514-286-7684.

Yes, we currently accept claims for consultations carried by phone or video chat with the following medical practitioners (if they are covered by your contract):

Audiologist or audioprosthetist
Chiropractor
Nutritionist or dietician
Occupational Therapist
Naturopath
Speech and language therapist
Physiotherapist or Physical rehabilitation therapist
Podiatrist or chiropodist
Psychologist

To be eligible for disability payments, you must:

 Have been diagnosed with a COVID-19-related infection.

AND

 Meet the disability definition of your insurance policy.

If you are eligible, the waiting period before you receive your payments for disability benefits starts on the first day you were placed under quarantine.

To submit a disability claim, please follow the steps on our website.