Why travellers prefer Blue Cross
Medical insurance is essential the moment you leave Ontario. The Canada Health Act requires that OHIP covers your medical costs in Ontario only, and it is not required to cover any medical costs outside the province. In fact, OHIP covers only a small portion of medical and hospital costs incurred outside Ontario. For example, it may cover $50 for a medical consultation and $200/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 foreign fees may be costly.
If you become sick or injured while you’re away, your travel insurance can cover
These are costs that OHIP does not cover and that you would be responsible for if you do not have travel insurance. Take a look at the many products we have to offer.
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 province.
Pregnancy and related medical fees for Canadian travellers would be covered if:
Pregnancy and any related medical fees are not covered under the Visitors to Canada plan.
If the hiking route does not involve dangerous passes or is not technically challenging, it may be covered. However, rock climbing is excluded from our policy coverage, as is mountain climbing routes of grades 4 and 5 on the Yosemite Decimal System.
Any emergency resulting from alpine skiing is covered as long as the skiing is not off-track and is practised in a safe manner. Also, if a high-risk or dangerous manoeuvre was involved at the time of the accident, any related claim could be denied.
Scuba diving is covered as long as the diver has the proper certification to undertake the planned dive. Dives that involve a high degree of risk are not covered.
If you get injured while diving in a dangerous zone, or if you dive without proper certification, any medical fees incurred will not be reimbursed.
An illness that is present at the time of departure is considered pre-existing; however, if it is stable, it may be covered. Please read the Travel Insurance Policy for more information or contact one of our agents.
For any additional questions on your medical condition, please contact one of our agents.