We cover you all year round, for an unlimited number of trips.
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Our annual multi-trip insurance offers you customizable 12-month coverage, for an unlimited number of trips, regardless of the destination. Our automatic renewal option ensures you are covered at all times.
This coverage insures common and reasonable expenses incurred as a result of a medical emergency resulting from an accident or illness that occurs during your trip.
Maximum coverage per trip per traveller: $5,000,000
Coverage up to $5,000,000 for:
Details:
Important information about COVID-19:
Others advantages:
Examples of exclusions:
There are other exclusions in the policy. We've listed some examples here but be sure to check your policy for a complete list.
Exclusions related to pre-existing medical conditions may also apply.
This coverage insures the services described below if a serious or unforeseen event forces you to cancel, modify, interrupt or extend the planned trip.
Maximum coverage per trip per traveller: $5,000
The following elements are included in the coverage:
You want to be covered in case of pandemic?
For the reimbursement of travel expenses normally excluded in case of pandemic, select our Optional Protection: Pandemic.
Examples of exclusions:
There are other exclusions in the policy. We've listed some examples here but be sure to check your policy for a complete list.
Exclusions related to pre-existing medical conditions may also apply.
Covers you in the event of death or loss of use of one or more limbs as a result of an accident during your trip.
Maximum coverage per trip per traveller: $300,000
The maximum benefit is $300,000 and covers accidental loss of:
Exclusions:
Be sure to check your policy to find out all the details related to exclusions.
Covers you for delayed, lost, stolen or damaged baggage during your trip.
Maximum coverage per trip per traveller: $1,500
Covers up to $1,500 for the following three benefits:
Exemple of covered items:
Examples of exclusions:
There are other exclusions in the policy. We've listed some examples here but be sure to check your policy for a complete list.
We include benefits designed to enhance your experience when your flight is delayed by at least 3 hours.
You have access to one of the largest networks of providers and health facilities in the United States.
In case of a medical emergency, our assistance team is available 24/7 to guide you, wherever you are.
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 duration
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.
1. Cancellation coverage takes effect upon purchase of the insurance.
2. The base durations offered may vary depending on the age of the travelers and the duration of the trip.