Trip Cancellation and Interruption coverage may reimburse you for certain insured travel expenses if a covered event forces you to cancel, change, interrupt or extend your trip.
Emergency Medical Care coverage applies to expenses resulting from a sudden illness or accident during your trip that requires immediate treatment.
This could be something relatively minor, like gastroenteritis, food poisoning, heatstroke, a urinary tract infection, a sprain or strain, or something more serious, such as a fracture, car accident or severe allergic reaction.
If you experience a medical emergency during your trip, you’ll be covered for up to $5,000,000 for expenses including hospitalization, medical and paramedical care, transportation, subsistence allowance, and medical follow-up in Canada after repatriation.
Refer to the insurance policy for full details.
The covered precipitation threshold is the minimum amount of rainfall that must be exceeded during the covered time period at your insured location for a day to qualify as a covered rainy day.
The precipitation threshold:
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is determined when you purchase your coverage
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is based on the time of year you're travelling and the exact address of your insured location
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may vary from one trip to another
Rainfall is measured automatically each day using data from the official weather station linked to your insured location.
Our travel insurance provides worldwide coverage, although certain limitations and exclusions may apply. This includes destinations with a Government of Canada travel advisory recommending that travellers avoid non-essential travel or avoid all travel.
Check the Government of Canada’s travel advisories by destination and refer to the insurance policy for more information.
Rainfall is measured automatically using data from the official weather station linked to the insured location you provided when purchasing your coverage.
Rainfall is measured daily throughout the covered time period at your insured location.
Drizzle is also included when calculating total rainfall.
There’s nothing you need to do during your trip - no proof is required.
Yes, provided you purchase the Option: Cancel for Any Reason together with your Trip Cancellation and Interruption coverage.
This option lets you cancel for a reason not otherwise covered, as long as you do so at least 24 hours before your scheduled departure. It’s not available with Trip Interruption coverage on its own.
See the travel insurance policy for complete details.
Yes. Even within Canada, travel insurance can help protect you from significant unexpected expenses.
When you travel outside Ontario, OHIP generally reimburses covered medical care based on the rates in effect in Ontario. Since medical costs can vary from one province to another, you may be responsible for part of the bill.
Your provincial health insurance plan doesn’t cover all health care services received in other Canadian provinces, such as ambulance transportation, emergency repatriation and prescription drugs.
Travel insurance can supplement your provincial coverage and help you avoid these unexpected costs.
A rainy day is covered only if rainfall at your insured location exceeds the precipitation threshold set out in your policy during the covered time period.
A Rainy Day deductible may apply depending on your policy. Covered rainy days that occur during the deductible period are not eligible for payment.
If a deductible applies, its duration is shown at the time of purchase, based on your insured location and travel dates.
The Rainy Day deductible is the number of days during which the precipitation threshold is exceeded without giving rise to compensation. This number appears on your insurance certificate and varies by insured location, travel dates and available historical weather data.
Under Trip Cancellation and Interruption coverage, you may be reimbursed for your prepaid, non-refundable insured travel expenses, up to the insured amount you selected at purchase, as long as the cancellation results from an unforeseen event that’s a covered risk.
With the Option: Cancel for Any Reason, you may be entitled to partial reimbursement of up to 75% of your prepaid, non-refundable insured travel expenses, even for a reason not covered under Trip Cancellation and Interruption coverage. The reimbursement percentage depends on your age and is capped at $4,500 per insured traveller.
See the travel insurance policy for complete details.
Credit card travel insurance can come with its own limits and restrictions, so it’s important to review your policy carefully and understand exactly what’s covered. Additional insurance may be recommended to give you more complete protection.
Additional insurance is often recommended to help ensure you have complete protection.
Here are a few things to check when reviewing your credit card coverage:
Trip duration
You need to purchase your travel insurance before leaving. Be sure to check how many days your credit card covers, as well as any age restrictions.
Emergency Medical Care coverage
There are often strict eligibility and stability requirements based on your current health. Make sure you understand any exclusions that apply to your coverage before you leave. The last thing you want is to find out that a medical condition is excluded when you need emergency medical care.
Also make sure the coverage amounts provided are sufficient and check how much you would need to pay as a deductible.
Trip Cancellation and Interruption
If you’ve paid for travel expenses in advance, make sure your Trip Cancellation and Interruption coverage is sufficient to protect you from financial losses. Most travel insurance provided through credit cards doesn’t cover trip cancellation or interruption, and when it does, the maximum amounts are rarely enough to cover the full cost.
Blue Cross can provide coverage to help protect you when the unexpected happens.
You receive $100 per covered, compensable rainy day, per policy, regardless of the number of insured individuals.
This amount is calculated after applying the Rainy Day deductible (if applicable), and only for covered rainy days.
Example: If your trip has 5 covered rainy days and your policy has a 1-day deductible, the first day covers the deductible ($0). You receive CAN$100 for each of the remaining 4 days, for a total of CAN$400.
This option must be purchased alongside Trip Cancellation and Interruption coverage, no later than the later of these two dates: 5 days after your first partial or full trip payment or the date your travel provider starts imposing cancellation penalties.
In other words, if your trip is still fully refundable once the 5-day window has passed, you can still purchase the option up until cancellation penalties kick in.
See the travel insurance policy for complete details.
Yes. It’s important to contact Blue Cross Travel Assistance immediately if you have an accident, are hospitalized, or need medical care during your trip. If you don’t, some benefits may be denied.
Our assistance team is available 24/7 to help direct you to the best possible care.
No.
Rainfall is measured automatically using data from an official weather station. If the conditions for compensation are met, you’ll receive an email after your coverage ends with instructions on how to request your payment. No proof or supporting documents are required.
Our Baggage coverage insures you for up to $500 if your baggage is delayed for more than 12 hours during your trip.
You choose how much in travel expenses to insure for each person.
To work out this amount, add up all the non-refundable travel expenses you’ve paid and divide by the number of travellers covered under the contract.
This can include airfare or other transportation costs, accommodations, a cruise, an all-inclusive package or certain activities and excursions.
Leave out anything refundable under the provider’s terms and conditions or anything paid with reward points or miles.
For example, you book a hotel room that’s refundable up until 30 days before arrival. Because it will become non-refundable before you leave, it’s worth including in your insured amount.
At some health care facilities, our worldwide network of partners allows us to pay covered medical expenses directly. In these cases, you won’t have to pay anything upfront.
At other facilities, you may need to pay for the care you receive and then submit a claim for reimbursement.
If you have an emergency while travelling, contact Blue Cross Travel Assistance immediately. Our agents can direct you to a safe, reputable and accessible health care facility. They can also provide more information about paying expenses or submitting a claim for care received at that facility.
Payments are sent by Interac e-Transfer®.
Once you’ve completed your payment request using the link sent to you by email at the end of your coverage period, your payment will be sent within 2 business days.
Our Baggage coverage insures you up to $1,500 if your baggage is lost, stolen, or damaged during your trip. Note that this coverage includes limitations and exclusions as stated in our travel insurance policy.
This coverage provides a lump-sum payment in the event of death or loss of use of one or more limbs as a result of an accident during your trip.
Travel expenses may include certain costs paid or incurred for your trip, such as transportation, accommodations, an all-inclusive trip and certain activities or excursions. Eligible expenses vary depending on the coverage selected and the terms of the policy.
Blue Cross travel insurance offers several deductible amounts if you’d like to lower your insurance premium. However, choosing a deductible is optional.
If you choose one, you’ll be responsible for medical expenses up to the deductible amount you selected.
Rainy Day coverage applies to single-destination trips and one insured location specified when you purchase your coverage.
Travel insurance must be purchased before you leave your province of residence and should cover the entire duration of your trip.
Depending on your circumstances and the coverage purchased, non-refundable airline tickets or additional transportation costs may be eligible for reimbursement.
Yes, under certain conditions. A pre-existing medical condition is a health condition, such as an illness or injury that existed before your departure or before your insurance coverage took effect.
To be covered, the condition must be stable for a specific period based on your age and coverage:
Emergency Medical Care:
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Ages 0–54: stable for 3 months before departure
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Ages 55 and over: stable for 6 months before departure
Trip Cancellation and Interruption:
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Stable for 3 months before the date you purchase your insurance or make your first trip payment, whichever is later.
More information will be provided when you get a quote or purchase online to help you understand the stability requirements.
Refer to this article and the insurance policy for full details.
Rainy Day coverage must be purchased online at the same time as Emergency Medical Care and/or Trip Cancellation and Interruption coverage.
It cannot be added after purchase through the Customer Space or by phone.
To add it:
2. Select Rainy Day when choosing your travel insurance coverage.
3. Enter your insured location.
Yes. The coverage may apply to a trip you received as a gift, provided the insured traveller can submit the required supporting documents when filing a claim.
Yes. Emergency transportation and repatriation expenses may be covered when required by your medical condition and approved by the appropriate medical authorities at your destination.
Depending on the situation, coverage may also be available for the return of your travel companion or dependent children. Other expenses may also be covered, including transportation for someone to visit the insured person, expenses to return a vehicle, and expenses related to the return or disposition of remains in the event of death.
Refer to the insurance policy for full details.
Rainy Day coverage is available for trips to Canada, the United States, Mexico, Cuba, the Dominican Republic and Europe.
Availability is confirmed when you purchase your coverage, based on your insured location.
Yes, you can reach us toll-free or by calling collect during your trip using the following numbers:
- From Canada or the United States: 1-800-361-6068
- From anywhere else in the world (call collect): 514-286-8411
To be reimbursed for eligible expenses, you’ll need to file a travel insurance claim:
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Log in to your Customer Space.
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Select "My Claims".
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Click "New Claim".
Your claim and supporting documents can be submitted online.
To get reimbursed for eligible expenses, you’ll need to submit a travel insurance claim.
1. Log in to your Customer Space.
2. Select “My claims.”
3. Click “New claim.”
You can then submit your claim and supporting documents online.