Choose
travel insurance that
meets your needs

Before making the decision to travel outside your province of residence

Get the proper coverage

Why buy travel insurance?

Whatever your plans

Provincial health insurance plans cover only a small portion of medical services provided abroad. If you have an accident or get sick during your trip, you’ll be responsible for most of the expenses incurred.

That’s why travel insurance is so important: it covers you if you have an accident or suddenly become ill while travelling, even if you’re travelling within Canada.

What’s more, in the event of an emergency, you have 24/7 access to a team of professionals ready to offer you all the support you need until the situation has stabilized.

By purchasing Ontario Blue Cross® travel insurance, you can use the Flight Delay Service at no extra cost. It provides you with exclusive benefits in the event of a flight delay of 3 hours or more.

To find out more about the services covered outside Ontario, visit the OHIP website.

Make the right choice based on your needs

What travel insurance coverage do you need?

  • Emergency Medical Care insurance covers medical expenses incurred as a result of sudden illness or injury during your trip. It also covers emergency medical care if you get COVID-19 and its variants while travelling. It’s the most essential insurance to purchase before you travel.
  • Trip Cancellation or Interruption coverage covers the non-refundable costs associated with the cancellation or interruption of a trip. It covers costs related to COVID-19 and its variants*, under the same conditions as any other event, as mentioned in the contract.
  • Baggage insurance covers your belongings if they’re lost, stolen or damaged during a trip.
  • Accidental Death or Dismemberment (AD&D) insurance provides coverage in the event of accidental loss of life or use of one or more limbs.

How often do you travel?

If you’re planning to take more than one trip this year, travel carefree thanks to our Annual travel insurance that will cover all your trips.

*This provision only applies to Trip Cancellation or Interruption coverage that becomes effective on March 30th, 2022. For more information, please review the "Trip Cancellation or Interruption" section of the travel insurance policy.

COVID-19 and Trip Cancellation

Important details

The Trip Cancellation or Interruption coverage covers costs related to COVID-19 and its variants*, under the same conditions as any other event, as mentioned in the contract.

*This provision only applies to Trip Cancellation or Interruption coverage that becomes effective on March 30th, 2022. For more information, please review the "Trip Cancellation or Interruption" section of the travel insurance policy.

Check your coverage

To fully understand your insurance

You may, for example, already have access to travel insurance through a group insurance plan or with your credit card. You should be aware, however, that these plans often have restrictions, particularly regarding the maximum length of stay.

Read your policy carefully to find out if your travel insurance provides you with all the coverage you need for your stay abroad. Pay attention to the following:

  • Are emergency repatriations covered?
  • Does your insurance cover medical care related to COVID-19? What are the restrictions or limitations?
  • Is your destination excluded from your coverage? Does your insurance cover destinations with a Level 3 (avoid non-essential travel) or Level 4 (avoid all travel) advisory from the Canadian government?
  • What is the maximum length of your stay? Does it include the quarantine period?
  • Can you extend your contract in case of emergency?
  • What is the maximum amount covered? Is it enough?

For any questions related to your insurance policy, don’t hesitate to contact Customer Service.

COVID-19 and Emergency Medical Care

What you need to check

It’s important to choose insurance that covers COVID-19 for your trips. To find out if this virus is covered by your contract, read your insurance policy and any endorsements carefully or contact your insurance company.

Our Emergency Medical Care insurance covers COVID-19 and its variants, unless it is a pre-existing condition prior to departure. It provides $5 million in coverage. Access to health care in some countries could be limited due to the pandemic. When you’re abroad, our assistance service will be there to support you and answer your questions.

If you need written proof of your insurance coverage for COVID-19, you will find this information in the last section of your travel insurance certificate.

Our 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.

To learn more about our travel insurance regarding COVID-19, please refer to our FAQ section.

Travel insurance offered by travel providers

What you need to check

More and more companies are offering insurance covering COVID-19. However, it often has significant limitations, particularly with respect to:

  • Amounts reimbursed (e.g., $100,000 limit)
  • Trip length (e.g., 21-day limit)
  • Destinations

Furthermore, some insurance companies only reimburse expenses incurred if you get COVID-19 and don’t cover you against other types of medical emergencies.

Read your insurance policy to find out what it covers.

Are you complying with the terms of your policy?


Make sure your health conditions are covered

Travel insurance protects you financially in case of accidental injury or sudden and unpredictable illness.

Travel insurance contracts contain limitations regarding health conditions, injuries or illnesses that were present prior to the purchase of travel insurance or prior to departure on a trip. These are called pre-existing conditions.

In some cases, COVID-19 may be a pre-existing condition (e.g., if you had symptoms before you left). Read your policy to find out what it covers.

Contact your insurer if your health status has changed

If your health status changes before you leave, you must inform your insurance company. This could have an impact on your coverage.

A change in health status refers to any illness, accident, injury or symptom for which you:

  • Have consulted a doctor (except for a routine check-up).
  • Have been hospitalized.
  • Have been prescribed or have received a new treatment.
  • Have had a change in an existing treatment.
  • Have been prescribed or have taken a new medication.
  • Have had a change in the dosage of your existing medication.

Get coverage for the entire length of your trip

It’s important to get insurance for the entire length of your trip, including the date of departure and return. Otherwise, your travel insurance policy will be null and void and you won’t be eligible for reimbursement if you’re involved in an accident, even if it occurs during the initial period of coverage.

If you need to extend your trip, contact your insurance company right away to have the dates of your contract changed. It’s very important that you extend the period covered by your contract before its expiry date.

Make sure you’re covered by provincial health insurance

If you plan to be outside Canada for more than seven months in any 12-month period, you should contact your nearest ServiceOntario centre to make sure your OHIP coverage stays active.

Don’t travel if you...
 

Temperature

Have symptoms of COVID-19.

Mask

Have been in contact with someone who has symptoms of COVID-19 in the 14 days prior to your departure.

Virus

Have been in contact with someone who has COVID-19 in the 14 days prior to your departure.

Everything you need to know about travel insurance