Emergency Medical Care
Coverage up to $5,000,000 in case of accident or illness
Whether it's for a short getaway in Québec or the United States, or for your next adventure on the other side of the world, we protect you if something unexpected happens, as soon as you leave Ontario.
Coverage up to $5,000,000 in case of accident or illness
Covers in case of cancellation, interruption, or unexpected modification of the trip
Covers up to $300,000 in case of death or loss of use of a limb
Against delays, loss, theft, or damage
For work or study, to visit or settle in, we protect you if something unexpected happens, from the moment you arrive in Canada.
Prepare for your trip with our expert advice: baggage, flight, requirements at the travel destination, and much more.
In case of a medical emergency, our assistance team is available 24/7 to guide you, wherever you are.
Over the phone or online, our secure services allow you to make your claims with confidence.
Medical insurance is essential the moment you leave Ontario. The Canada Health Act requires provincial public health insurance to cover your medical costs in Ontario only; the public plan is not required to cover any medical costs outside the province. In fact, public health insurance covers only a small portion of medical and hospital costs incurred outside Ontario. For example, it may cover $50 for a medical consultation and $100 per day for hospitalization. Because medical costs are significantly higher abroad – particularly in the United States – without travel insurance, your financial security is at risk. Some fees abroad may be very costly.
If you become sick or injured while you’re away, your travel insurance can cover:
These are costs the Ontario public plan does not cover and that you would be responsible for if you do not have travel insurance. Take a look at the products we have to offer.
The coverage provided by your credit card company may have limitations or restrictions. It is important to review your policy thoroughly for coverage details. It is often recommended that you purchase additional coverage for complete protection.
Check your credit card coverage for the following:
Travel insurance cannot be purchased once you depart from Ontario. It is important to check the length of stay covered by your credit card company, as well as any restrictions based on age.
Emergency medical care coverage
There are often strict eligibility and stability requirements based on your current health. Make sure you understand the exclusions in your coverage prior to your departure. You could be quite unhappy to learn that a health condition is excluded right when you need emergency medical care. Also make sure the coverage amounts are enough, and inquire about any deductibles you may have to pay.
Trip cancellation or interruption
If you incurred fees up front, make sure the amount covered under trip interruption/cancellation is enough to save you from financial losses. Most credit card companies do not cover trip interruption or cancellation, and when they do, the maximums are not sufficient to fully cover your costs. Blue Cross can provide you with coverage that protects you in the case of unforeseen situations.
Protect yourself and your family. Don’t risk your financial security with incomplete coverage. With Blue Cross travel insurance, you enjoy complete medical coverage by a travel insurance company recognized around the world.
Blue Cross travel insurance offers several deductible amounts if you wish to reduce your insurance premium, but they are not mandatory. If you do choose a deductible, you are responsible for any costs up to the chosen deductible amount.
That’s only partially true. Medical costs are covered across Canada, but provincial health plans:
Below are some examples of costs you may need to pay in a neighbouring province:
There are billing agreements between certain provinces, but not all. Since medical costs vary from one province to another, what may be sufficient to cover a medical service in one province may not be enough to cover the same service in another.
An illness that already exists at departure is pre-existing. You must declare any pre-existing conditions when purchasing travel insurance to verify whether they are covered. For more information, please read the Travel Insurance Policy or contact one of our agents.
If you have any additional questions regarding travel insurance coverage for your health condition, please contact one of our agents.
The Canadian government health insurance does not cover visitors to the country. If you are visiting Canada, a student, a foreign worker, if you are returning to the country after a long absence, a newcomer waiting to be eligible for provincial health insurance, or a Super Visa applicant, individual coverage is recommended.
Only reasonable and usual medical and surgical charges are covered at 100% under this plan. Individuals without provincial health care insurance are sometimes charged higher fees for treatment than the fees set and allowed by the government schedule of the province where the medical service is rendered. Blue Cross does not refund any additional fees that some doctors may charge.
Yes, you can buy a Visitors to Canada plan if you meet the following criteria.
The contract must be purchased:
Individuals who purchase after the effective date of another insurance contract offering similar coverage in Canada must present proof of that insurance.
When the contract is purchased within 30 days of the date of arrival in Canada or the termination date of an insurance coverage in Canada similar to ours, there is a waiting period of 3 days from the date of purchase.
During this waiting period, insured persons are covered for accidents and injuries, but not for illness.
Planning your next family trip and wondering if you’re properly covered in case of accident or illness? You may have coverage through your group insurance or credit card… So, why would you need individual travel insurance?
For many travellers, getting insurance before leaving is not on the list of priorities. Since unexpected issues can happen at any time, having insurance to protect you while travelling is very important.
It may seem hard to decide and navigate all the travel insurance options out there for protecting yourself in the event of an accident or an unforeseen event. To protect yourself with the best available coverage...