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• Travel Insurance
• Blue Cross Travel Insurance Review

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Blue Cross Travel Insurance Review 2024

Updated: Jan 8, 2024, 12:49pm

Blue Cross may be a household name when it comes to extended health insurance and group plans, but the company has been offering travel insurance for almost 50 years. A huge plus to a Blue Cross policy is the ability to pick and choose your coverage options to suit your travel needs and budget. There’s no mandatory medical questionnaire, and there’s included flight delay coverage for all plans. While some payout limits are lower than other plans, this is still solid coverage for a good price.

• Customizable coverage options
• Flight delay coverage for all plans
• No mandatory medical questionnaire
• Optional pandemic coverage
• No online quote available for ages 75 and over
• No cancel for any reason (CFAR) coverage
• No coverage for higher-risk sports or adventure travel
• Some lower payouts than other plans

Table of Contents

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Blue Cross began in 1929 as a way to make healthcare more accessible for patients at Baylor University hospital in Texas. Subscribers paid $0.50 a month for up to 21 days of hospitalization per year. Buoyed by the company’s success in the U.S., Manitoba became the first province in Canada to establish a Blue Cross prepaid health care plan in 1938 in response to government funding shortfalls for hospitals after the Great Depression. Ontario followed suit in 1941.

Today, Blue Cross provides group health coverage, as well as travel and life insurance through seven regional not-for-profit service organizations. These member groups include: Alberta Blue Cross (serving Alberta and Northwest Territories), Manitoba Blue Cross (serving Manitoba and Nunavut), Medavie Blue Cross (serving New Brunswick, Newfoundland, Nova Scotia and PEI), Ontario Blue Cross, Pacific Blue Cross (serving British Columbia and the Yukon), Quebec Blue Cross and Saskatchewan Blue Cross. Blue Cross is part of a larger global network, including the American Blue Cross Blue Shield Association.

Blue Cross launched its first travel insurance policy in Canada in 1977.

Blue Cross travel insurance is underwritten by Canassurance Hospital Service Association (CHSA) or Canassurance Insurance Company.

This review is based on plans from Ontario Blue Cross. If you live elsewhere in Canada, your plan offerings may differ.

Here are the key types of travel insurance coverage offered in Blue Cross travel insurance plans:

• Emergency medical insurance: If you get ill or are injured on your trip, travel medical insurance can pay for emergency medical expenses, up to the coverage limits in your plan. These expenses can include doctor and hospital bills, medication and lab work.
• Trip cancellation insurance: If you cancel a trip for a reason listed in your travel policy, such as you or your travelling companion becoming ill, weather conditions causing a massive delay or you end up losing your job, trip cancellation insurance can reimburse you for prepaid, non-refundable costs.
• Travel interruption or delay insurance: Trip interruption insurance can pay for a last-minute flight home in an emergency and money that you lose if you have to return home earlier than expected, such as non-refundable activities and hotel stays. If your flight is delayed , your insurance can cover the cost of incidentals, such as meals or accommodations, after a specified period of time, usually six, 10 or 12 hours.
• Baggage insurance: Baggage travel insurance can compensate you up to your policy limits if your luggage is lost or stolen. It will reimburse the depreciated value of your suitcases and what you packed. If your checked bags are delayed, it can reimburse you for the cost of the necessities you’ll have to buy to tide you over.
• Travel accident insurance: This coverage offers compensation in the event of accidental death or catastrophic injury from an accident during your trip. Flight Accident Insurance covers injury while you’re on a commercial plane, during a connection or in an airport. Travel Accident Insurance covers death or dismemberment, including the loss of limbs or eyesight, while on your trip.

Blue Cross allows you to customize and combine the amount of coverage you need. You can either choose the all inclusive plan or pick individual coverage options à la carte. So, for example, you could choose emergency medical coverage and baggage coverage, or trip cancellation/interruption coverage and baggage coverage.

Package Plus: This option is a combination of the most popular coverage options and includes at least one of emergency medical care and/or trip cancellation or interruption, along with accidental death or dismemberment, and baggage coverage.

Coverage for emergency medical treatment includes:

• Hospital accommodation in a semi-private or private room
• Physician fees
• Private duty nursing
• Paramedical services, such as care from a physiotherapist, chiropractor, osteopath or podiatrist/chiropodist (combined), up to $400 per profession
• Urgent dermatological care, up to $400 per trip
• Tests and diagnostics
• Prescription medication as part of emergency treatment
• The cost of buying or renting crunches, canes or splints, the cost of renting a wheelchair, orthopaedic devices or other medical devices
• Incidental expenses when hospitalized, such as telephone, TV, parking, etc., up to $100 per day, maximum $500 per hospitalization
• Emergency dental due to a blow to the face, up to $2,000 per accident
• Emergency dental due to pain or disease, up to $500 per trip
• Ground or air ambulance transportation

Medical coverage also covers the cost to return home if medically necessary (and includes a travelling companion or family member), as well as baggage return and pet return. If your return home is delayed due to a medical emergency, this benefit covers meals and accommodations.

Emergency Medical: If you’re only worried about medical emergencies while travelling, this benefit offers all of the medical coverage listed above.

Trip Cancellation or Interruption: This coverage option reimburses you for insured travel expenses (such as hotels or prepaid excursions) if you have to cancel, interrupt, extend or modify your trip due to a covered reason. With this coverage, you can also choose not to insure your trip, but opt in for additional trip coverage. This includes transportation expenses if you have to interrupt, modify or extend your trip, as well as a subsistence allowance for hotels and meals if your return home is delayed.

Accidental Death or Dismemberment: This coverage option offers reimbursement in the event you die, or lose the use of one or more limbs during a travel accident. The amount paid out depends on your age and the severity of the accident.

Baggage Coverage: This insures you if your baggage is delayed for more than 12 hours, or lost, stolen or damaged during your trip.

Flight Delay Service: This service is available at no extra cost to anyone with Blue Cross travel insurance, even if you don’t have trip cancellation or trip interruption coverage.

If your flight is delayed, you automatically receive the following benefits:

• Three hour or more delay: Access to an airport lounge. If a lounge is not available, you’ll receive $40 for each person named on the insurance contract.
• Six hour or more delay: One hotel room (per policy) plus $50 per person, up to a maximum of $200. If no hotel room is available, you’ll receive $250.

Once registered for the service, the Blue Cross system tracks your flight in real time. If it’s delayed, you’ll receive a text message or email telling you how to access your benefits. Your hotel room, if required, will be booked for you and there is no need to submit a claim later.

We’ve highlighted the key benefits for each coverage option available for the single trip plan when travelling outside of Canada to help you identify which is the best fit for you. One of medical or trip cancellation/interruption coverage is mandatory, but accidental death or dismemberment and baggage are optional.

The price of a Blue Cross travel insurance plan depends on factors such as the cost of your trip, your age and the amount of coverage you choose.

Here are some examples of the cost for Blue Cross single trip plans for healthy travellers based in Ontario. These quotes do not include the optional protection for pandemic related costs.

These quotes do not include baggage coverage, except for the all inclusive plan option.

Using the example of the Mexico trip, baggage can be added to the medical only plan for $19.96 (making the plan total $74.22) and to the Trip Cancellation and Interruption only plan for $19.96 (for a plan total of $142.12)

With your emergency medical coverage, you can also add an optional deductible, or the amount you will pay out of pocket before your coverage kicks in, of $250, $500, $1,500, $2,500 or $5,000.

Emergency medical: $5 million Cancel For Any Reason: Yes, 50% to 75% Baggage insurance (maximum): $1,500

Related: CAA Travel Insurance Review

TD Insurance

Emergency medical: $5 million Cancel For Any Reason: No Baggage insurance (maximum): $1,000

Related: TD Insurance Travel Insurance Review

Johnson Medoc Travel Insurance

Emergency medical: $5 million Cancel For Any Reason: No Baggage insurance (maximum): $1,500

Related: Johnson Medoc Travel Insurance Review

Blue Cross offers an Optional Protection: Pandemic add-on that reimburses travel expenses normally excluded under the Trip Cancellation or Interruption Coverage. This add-on must be purchased with trip cancellation and interruption coverage and within five days of the first trip deposit or at least 45 days prior to the departure date.

The benefit is dependent on whether or not there is a Canadian government travel advisory in effect or not on the date the coverage takes effect.

If a travel advisory is in effect, then the pandemic is known and foreseeable, and reimbursement will only be paid due to a travel delay.

In general, when the return date must be delayed due to a diagnosis, positive screen test or contact tracing in relation to a pandemic, benefits include:

• A maximum of $250 per day per insured person, up to $2,500, for hotel and meals (trip maximum of $5,000)
• A maximum of of $500 per insured person for changing the date or replacing your ticket on your return flight (trip maximum $1,000)

If there is no travel advisory in effect, then the pandemic is unforeseeable, and the trip cancellation and coverage applies to the full extent, per the policy wording. In other words, in this case a pandemic is not considered a reason for exclusion.

Here’s how the costs compare for single trip insurance with and without the optional pandemic coverage

Blue Cross offers a preferred rates discount for snowbirds aged 55 and above travelling more than 32 days, as well as a $25 travelling companion discount and a $15 grandchildren discount.

Yes. You can buy multi-trip annual insurance if you travel more than once a year for multiple individual trips. Blue Cross offers medical only coverage, trip coverage and all inclusive coverage for four, eight, 17, 31, 60, 90, 150 or 180 days per trip.

Here’s how the prices between single trip and multi-trip insurance compare for the all inclusive and medical only plans:

Blue Cross Travel Assistance is included with all travel insurance products and is available 24/7, 365 days of the year either before or during your trip. Depending on the coverage provided by your insurance policy, emergency support includes:

• Referral to an appropriate medical facility
• Confirming medical insurance coverage to facilitate your care at the clinic or hospital
• Communicating with the physician treating you
• Coordinating repatriation when medically necessary
• Coordinating the safe return home of your dependent children if you are hospitalized
• Coordinating travel for a bedside family member if you are hospitalized for at least three days
• Coordinating the return of your vehicle if you can not due to an accident or illness
• Interpreter services for emergency calls
• Coordinating claims and payment to hospital/clinic, if applicable
• Assistance in the event of loss or theft of identification documents
• Providing information on embassies and consulates
• Referral to a lawyer in the event of a serious accident
• Settling of formalities in the event of death and repatriation of remains

When calling Blue Cross Travel Assistance, you’ll need your insurance contract number and your provincial health insurance number.

If you (or someone calling on your behalf) do not contact Blue Cross Travel Assistance before receiving medical treatment, your claim may be denied. A relative or medical staff member must contact Travel Assistance within 24 hours of starting medical treatment. It’s important to remember that certain services, such as paramedical treatment, must be approved in advance. If you need to cancel or modify your trip and you have trip cancellation and interruption coverage, you must notify Blue Cross within 48 hours of becoming aware of an event that triggers a change.

Blue Cross will not pay any medical expenses related to any medical condition that is not stable for a set period of time, either three or six months (depending on your age), before your coverage takes effect.

A medical condition is considered stable when all of the following are true:

• No new medical diagnosis has been made
• No new symptoms appears and there was no worsening or increase in the frequency of existing symptoms
• No hospitalization has taken place
• No new medication was prescribed or recommended
• No change of dosage was made to a medication already prescribed or recommended (with some exceptions)
• No new treatment or medical test is pending or has been prescribed, ongoing or recommended
• No ongoing treatment has been changed or discontinued
• No prescribed or recommended treatment, no medical advice has been ignored

In addition, Blue Cross has a number of age- and condition-specific exclusions, including:

For policyholders aged 54 and under during the three months preceding the effective date of coverage or for policyholders aged 55 to 75 travelling less than 32 days during the six months preceding the effective date of coverage:

• Any heart condition for while you have used nitroglycerine more than once in a seven-day period for the relief of chest pain
• Any pulmonary condition for which you have been treated with home oxygen or have required corticosteroid therapy

For policyholders aged 55 to 75 who are travelling 32 days or more and for people aged 76 or over, the following medical conditions are excluded unless the insurance certificate stipulates otherwise:

• During your lifetime, any illness which relates to a cardiovascular condition, kidney failure or a major organ transplant, including bone marrow, liver, lung, heart and pancreas
• During the 24 months before the effective date of coverage, any chronic pulmonary condition for which you have been hospitalized or have used cortisone tablets
• During the 12 months preceding the effective date of coverage, any illness which relates to the following conditions for which you have been diagnosed or treated: Cancer and gastrointestinal conditions, such as hepatitis C or Crohn’s disease

Travellers over age 54 who are travelling for longer than 31 days and travellers aged 76 and older can have their physician complete an optional medical questionnaire that is then submitted to Blue Cross for evaluation. The Blue Cross medical team can then decide if your pre-existing or chronic condition is approved for coverage or not.

There are a number of scenarios not covered by travel insurance and it’s critical to know what not to do before you make a claim. The following are some of the most common situations not covered by travel insurance:

• Treatment received without approval from Blue Cross Travel Assistance if the medical need was not urgent or if sufficient attempts were not made to receive prior approval
• Foreseeable treatment for a known medical condition
• Failure to comply with a prescribed treatment
• Non-urgent, experimental or optional treatment, such as routine checkups, aesthetic care, rehabilitation, convalescent care, clinical research or experimental drugs
• Continued treatment once the medical emergency is over
• Continued treatment if you refuse repatriation
• Unreasonable billing, namely any invoiced amount not considered a “customary and reasonable expense”
• A child born during the trip
• Mental health disorders
• Suicide and intentional injury
• Use of alcohol, drugs and other intoxicants
• Any illegal or criminal act
• Acts of war and civil unrest
• High-risk sports or activities, including extreme sports, motor sports, sports practiced as a paid professional, high-level sports competitions, aerial sports, combat sports, sports authorizing tackling or body checking, high-risk water sports and high-risk mountain or climbing sports
• Loss or damage of certain items such as a vehicle, personal items such as prosthetics or glasses, cash, tickets or documents, antiques or collectibles, food or animals or breakage of fragile items

To be eligible for insurance with Blue Cross, the following must apply:

• You are a resident of Canada and are covered under a government health insurance plan
• You are over 30-days old on the departure date of your trip

In addition, for travellers aged 55 and over, you must not:

• Have received medical advice not to travel
• Suffer from a medical condition in a terminal stage
• Suffer from kidney failure treated with dialysis
• Have been diagnosed with or treated for metastatic cancer in the last five years
• Have been prescribed or treated with home oxygen in the past 12 months

You can file a claim online 24/7 by visiting the Blue Cross secure electronic document filing website where you can start a new claim, submit your required documentation and follow the progress of your claim. The website currently notes that processing your claim could take up to 30 days.

In addition to your claim form you may be asked to provide:

• A medical certificate issued by the physician who treated you that confirms you received treatment and/or a medical emergency occurred either during or before your trip
• Receipts and proof of payment for the medical care and services provided or related travel expenses
• Itemized billing for the care and services provided
• Proof of your travel dates
• A supporting document, such as a police report or letter from the airline, confirming that a serious, unforeseen and non-excluded event is the cause of your claim
• Unused transportation tickets, official receipts from new return transportation or proof of reimbursement or credit.

You must submit the completed claim form within 90 days of the event, including all supporting documentation and itemized receipts.

Blue Cross Travel Insurance FAQs

Does blue cross pay for medical costs upfront.

According to the company, Blue Cross Travel Assistance is part of a worldwide assistance network that includes hospitals, clinics, medical escorts, and air and land carriers and “when the situation allows, we pay the medical costs directly to the provider so you don’t have to pay anything upfront or out of your pocket.”

Does Blue Cross cover COVID-19?

Emergency medical care for COVID-19 is covered as long as you have not contracted or experienced symptoms prior to the effective date of your contract. This does not cover the cost of COVID-19 tests while travelling, unless one is prescribed by a physician due to a medical emergency or sudden illness.

Does Blue Cross offer coverage extensions?

Yes. Your coverage is automatically extended for 24 hours starting on the final day of your trip due to a transportation delay. If you or your travelling companion are hospitalized, your coverage is extended for the period of hospitalization and the 24-hour period after discharge. If your return home is delayed due to a medical emergency that started within 24 hours before your scheduled return date and required emergency treatment, your coverage is automatically extended for up to 72 hours.

You can also request an extension if you want to stay longer on your trip, provided you apply before the expiry date of your policy, you are still eligible for insurance and your health has not changed since your departure. Your request may be denied if you have a claim in progress or the Canadian government has a new travel advisory in effect or recommends travellers return home.

Does Blue Cross require a medical questionnaire?

No. Unlike other insurance providers, a medical questionnaire is not mandatory, but is offered to travellers over age 54 who are travelling for longer than 31 days and travellers aged 76 and older. All travellers answer a basic health declaration to confirm eligibility that asks questions such as, has your doctor advised you not to travel, do you suffer from a terminal illness and do you suffer from kidney failure treated through dialysis. A medical questionnaire, which is completed by your physician, is optional but is recommended if you have pre-existing conditions. Your answers to these questions will be assessed by the Blue Cross medical directors and if you have pre-existing conditions that do “not present an increased risk, it will be covered.”

Does Blue Cross have any age restrictions?

Yes. Travellers must be at least 30 days old. If you are 85 years or under, the maximum number of days you can purchase until the annual multi-trip plan is 120 days. If you are 80 years old or under, you can purchase multi-trip insurance for maximum days of 150 or 180 days. Travellers age 76 and above can not get a quote online and must call the Customer Relations Centre for assistance.

When does my coverage with Blue Cross begin?

In general, if you purchase cancellation coverage, it begins the day you buy your policy and ends the day when you make a claim or leave on your trip. Your interruption coverage, if purchased, begins when you leave home. Your delay coverage begins once an insured risk prevents you from returning home as scheduled.

Can I get a refund with Blue Cross?

You can request a cancellation and full refund of your contract before the effective date of the contract (or the date the coverage begins) or during the 10 days following the date of purchase, with some exceptions.

Does Blue Cross offer a free look period?

Yes. Blue Cross gives you 10 days after purchase to review and cancel your contract if you’re not satisfied with it, unless you have made or intend to make a claim related to the contract, the contract is for a period of 10 days or less or if the contract was purchased within 11 days before the trip and includes the trip cancellation or interruption coverage.

Fiona Campbell is a Staff Writer for Forbes Advisor Canada. She started her career on Bay Street, but followed her love for research, writing and a good story into journalism. She is the former editor of Bankrate Canada, and has over 20 years of experience writing for various publications, including the Globe and Mail, Financial Post Business, Advisor’s Edge, Mydoh.ca and more.

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使用我的推薦碼[GROUPBUYA] 🎁 開設帳戶並賺取 20 Hold Dollars 用嚟購買保單！ 🎁 購買家庭僱傭保險保單時即享最高20%折扣優惠 保險公司有AIG 美亞保險、B lue Cross 藍十字、BOC Group 中銀集團、 、Dah Sing Insurance 大新保險、Generali 忠意保險 MSIG 三井住友、 QBE 昆士蘭、Asia Insurance 亞洲保險、Tokio Marine & Fire 東京海上火災保險。 顯示更多

家傭保險 家傭至專寶( 計劃A)- 75折 / ( 計劃B及C)- 5折

1. 優惠碼須於 2024年 12 月 31 日或之前使用。 2. 此優惠適用於透過Blue Cross HK App 或藍十字網上平台使用優惠碼「Groupbuya」投保指定保險產品。詳情如下 ： 家傭至專寶( 計劃A)- 75折 家傭至專寶( 計劃B及C)- 5折 3. 優惠碼不可與其他優惠同時使用，每次投保只可使用一個優惠碼。此優惠碼不可轉換其他禮品或兌換現金。 顯示更多

HoldCover : 10%

【groupbuya獨家】💁‍♂️工作假期保險 - 10%折扣推薦碼/優惠碼.

使用我的推薦碼[GROUPBUYA] 🎁 開設帳戶並賺取 20 Hold Dollars 用嚟購買保單！ 🎁 購買工作假期保險 保單時即享最高20%折扣優惠 Working Holida y 保險公司有AIG 美亞保險、Blue Cross 藍十字。 顯示更多

HoldCover : 5%

【groupbuya獨家】💁‍♂️室內裝修工程保險 - 5%折扣推薦碼/優惠碼.

使用我的推薦碼[GROUPBUYA] 🎁 開設帳戶並賺取 20 Hold Dollars 用嚟購買保單！ 🎁 購買工作假期保險 保單時即享最高20%折扣優惠 裝修保險公司有AIG 美亞保 險、東京海上火災保險。 顯示更多

下載Blue Cross App輸入優惠碼 可獲得額外5％的折扣

【限時秒搶新春利是！藍十字單次旅遊保險保費低至32折❣】 農曆新年眨下眼就到，準備去旅, 【旅行前做足準備】 去旅行想玩得安心✈，出發前記得買旅遊保啦❣「智在遊」旅遊保險保障旅程, 家居保險保費8折+網上投保特別禮遇 francfranc hk$50 電子禮券乙張, 【藍十字50周年 賞您50%自願醫保首年保費折扣優惠】自願醫保您仲未揀啱心水？藍十字有好消, 【邊啲狗狗唔適合沖涼？】 幫狗狗沖涼有好多野要注意，尤其係以下呢幾種更唔適合沖涼‍♀，各, debenhams : 70%.

Blue Cross Sale Purchase selected fashion, Beauty, Home & Garden products, Enter code, Enjoy up to 7 0% off 顯示更多

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Blue Cross 藍十字

Blue Cross 已於香港經營保險業務逾 50 年。投保智在遊旅遊保險時，還可以加入「至醒會」會員計劃賺 Asia Miles 里數！

優惠碼 Coupon code

憑優惠碼投保藍十字旅遊保險享 75 折 | 單次旅程

憑優惠碼投保藍十字旅遊保險享 75 折 | 全年旅程

75 折後價格 | 以單人計算

1. 經指定連結前往 blue cross.

要經過 FlyAsia 的指定連結前往 Blue Cross 投保旅行保險，折扣碼才會有效哦！

畫面為手機版網站， 我們選擇投保單次旅程障就可以享有 75 折優惠哦！

2. 填入 Coupon Code

要享有折扣的話，就需要填入 FlyAsia 讀者專用的 75 折 Coupon Code！

填完行程資料和 Coupon Code 後，我們就可以選擇想投保的旅遊保險計劃，而這時候系統亦會自動以正價 75 折計價！

選擇好計劃後，拉到頁面下方即可進入下一步、填填受保人的個人資料。

4. 開設「至醒會」戶口

如果你曾開設過 Blue Cross「至醒會」帳戶的話，你直接登入即可繼續投保。但若然是非會員的話， 那就要 按 「成為會員」，再輸入 姓名、年齡、身分證號碼、電話號碼、電郵地址等個人資料。

新會員首次成功投保可獲 300「至醒積分」迎新獎賞； 另外，每 HK$1 的淨保費亦可以賺到 1「至醒積分」，而儲夠 1,000 分就可以換到 200 Asia Miles ！

核對完資料無誤後，我們就可以輸入 Visa / Master 信用卡資料並付款投保 Blue Cross 藍十字旅遊保險啦！

• 優惠碼須於 2024 年 12 月 31 日或之前使用。
• 「智在遊」單次旅程或全年保障 – 75折
• 優惠碼不可與其他優惠同時使用，每次投保只可使用一個優惠碼。此優惠碼不可轉換其他禮品或兌換現金。
• 以上有關藍十字旅遊保險之資訊由藍十字（亞太）保險有限公司提供及並不包含保單的完整條款且只供參考之用。有關詳盡條款及細則及所有不保之事項，概以保單為準。藍十字（亞太）保險有限公司乃友邦保險控股有限公司之子公司，與 Blue Cross and Blue Shield Association 及其任何關聯公司或持牌人並無任何關聯。載於此處的所有保險產品資料並不構成亦不應被詮釋為向香港境外出售、游說顧客購買或提供任何保險產品。

Blue Cross Launches Mega Sale　79% off on Travel Smart Single Trip Cover

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Blue Cross Travel Insurance Canada Review for 2024 

Written by Enoch Omololu, MSc (Econ)

Published: October 2, 2023

Savvy New Canadians content is vigorously reviewed for accuracy by our team of qualified fact checkers.

Travelling soon? Make it worry-free by getting travel insurance . It is more than just protection from risks and losses while travelling, thus helping to ensure peace of mind and a relaxing trip.

A household name, Blue Cross has been offering travel insurance to Canadians for years. In this review, I will cover Blue Cross travel insurance in Canada, its coverage, costs and pros and cons. 

Key Takeaways

• A provider of quality healthcare for over 80 years, Blue Cross provides travel insurance to Canadians to help ensure a worry-free trip. 
• Blue Cross Travel Insurance Canada offers emergency medical insurance, trip cancellation insurance, travel interruption or delay insurance, baggage insurance and travel accident insurance. 

With the Blue Cross travel insurance plans, you can customize and combine the coverage you need and choose between the all-inclusive or the individual coverage.

Blue Cross Travel Insurance – An Overview

Blue Cross Travel Insurance is an insurance provider offering coverage for Canadian travellers. It established its first travel insurance policy in the country in 1997. 

It has been a provider of quality healthcare for over 80 years, with Canadians choosing it to get protection through the appropriate coverage. For five years, it has been voted the #1 travel insurance.

Blue Cross provides insurance through seven regional not-for-profit service organizations, including:

• Alberta Blue Cross (serving Alberta and Northwest Territories)
• Manitoba Blue Cross (serving Manitoba and Nunavut)
• Medavie Blue Cross (serving New Brunswick, Newfoundland, Nova Scotia and PEI)
• Ontario Blue Cross 
• Pacific Blue Cross (serving British Columbia and the Yukon) 
• Quebec Blue Cross
• Saskatchewan Blue Cross

Blue Cross travel insurance is underwritten by Canassurance Hospital Service Association (CHSA) or Canassurance Insurance Company.

Travel insurance plans differ by location. If you need more information, here are the phone numbers for every province or territory.

What Does Blue Cross Travel Insurance Cover? 

Blue Cross offers travel insurance plans with the following coverage types: 

• Emergency medical insurance
• Trip cancellation insurance
• Travel interruption or delay insurance
• Baggage insurance 
• Travel accident insurance
• Package Plus

This is a combination of popular coverages for a trip anywhere in the world and includes:

• At least one emergency medical care and/or trip cancellation or interruption
• Accidental death or dismemberment
• Baggage coverage
• Emergency Medical
• Trip Cancellation or Interruption
• Accidental Death or Dismemberment

Types of Travel Insurance

Blue Cross offers two types of plans based on the length of your trip and the number of trips you will take in a year.

Single-Trip Annual Insurance

The single-trip plan is for travellers taking one trip, up to a maximum of 366 days. It has various coverage for travellers of all ages (including seniors). 

The Blue Cross single-trip travel insurance covers the following:

• Maximum coverage per traveller – $5,000,000
• Maximum coverage per trip per traveller – $5,000
• Maximum coverage per traveller – $300,000
• Maximum coverage per traveller – $1,500

The Single-Trip Annual Insurance also comes with flight delay service, Blue Cross Travel Assistance and 24/7 accessibility.

Multi-Trip Annual Insurance

The Multi-Trip Annual Insurance provides a customizable 12-month coverage all year round for an unlimited number of trips. 

Its features are as follows:

• Coverage for an unlimited number of trips in a 12-month period
• Effective at the start of the first trip
• Choice of per-trip duration
• Extension for trips exceeding the purchased duration

Its coverage includes the following:

• Maximum coverage per trip per traveller: $5,000,000
• Maximum coverage per trip per traveller: $5,000
• Maximum coverage per trip per traveller: $300,000
• Maximum coverage per trip per traveller: $1,500

The Multi-Trip plan includes flight delay service, Blue Cross travel assistance and 24/7 accessibility.

Blue Cross considers you an insured person if you have:

• Met the eligibility requirements
• Purchased the travel insurance before your departure date
• Purchased insurance for the entire duration of the trip
• Paid the premium in full before the contract’s effective date

What is Not Covered by Blue Cross Travel Insurance? 

Knowing what Blue Cross travel insurance does not cover is vital before you file a claim. Below are some common scenarios that travel insurance does not cover:

• Routine checkups, rehabilitation and aesthetic care
• Treatment received without prior Blue Cross Travel Assistance approval
• Foreseeable treatment for a pre-existing medical condition 
• Failure to comply with a prescribed treatment
• Injuries or accidents related to extreme sports or risky activities
• Travel to countries under travel advisories or warnings

Blue Cross Travel Insurance for Seniors

Blue Cross travel insurance for seniors typically offers comprehensive coverage that often includes:

• Emergency medical expenses
• Trip cancellations
• Baggage loss

The insurer may also provide seniors travelling abroad coverage for pre-existing medical conditions and extended trip durations. 

To be eligible for Blue Cross travel insurance for seniors (if you are aged 55 and over), you must not:

• Have received medical advice not to travel
• Suffer from a sickness in a terminal stage
• Suffer from kidney failure and have undergone dialysis
• Have been diagnosed with or underwent treatment for cancer in the past five years
• Have received home oxygen treatment in the past 12 months

How to Get a Quote for Blue Cross Travel Insurance

If you are from Ontario, you can get a quote by visiting the Ontario Blue Cross website . 

Answer the questions about your residency, public healthcare plan coverage of the travellers, trip details and coverage. 

After completing the details, you will get a personalized quote containing the total cost of insurance for a single-trip plan and a multi-trip plan. 

Click “Buy” if you want to continue with the purchase. Proceed with providing the necessary information, the payment details and confirmation. 

How Much Does Blue Cross Travel Insurance Cost? 

The cost of Blue Cross travel insurance depends on the following factors:

• The cost of the total trip
• The coverage level
• The age of the traveller
• The destination

Below are samples of the cost of insurance offered by Blue Cross travel insurance in Ontario for single-trip plans for Ontario-based travellers:

Advantages of Blue Cross Travel Insurance

• Comprehensive coverage for medical costs and emergencies that occur while travelling abroad
• Coverage options for trip cancellations and interruptions
• Coverage for lost or delayed bags
• Multi-trip plans for frequent travellers
• Access to a vast network of healthcare professionals
• Covers pre-existing medical conditions, provided they are stable and controlled before the trip
• Free quotes are available online
• Travel assistance is available 24/7 for any emergency, anywhere you travel

Downsides of Blue Cross Travel Insurance

• High deductible on some policies
• Older travellers may have higher policy costs
• Travel coverage is sometimes insufficient or not available
• Coverage for pre-existing conditions may not have all-inclusive coverage
• Some insurance plans do not cover adventure activities
• May not cover claims related to pre-existing medical conditions 
• Does not cover injuries or accidents related to risky activities or extreme sports
• Plans differ by location

Alternatives to Blue Cross Travel Insurance 

In this section, I will cover a few alternatives to Blue Cross Travel insurance and provide a basic background on what they offer and some of their features.

soNomad is an insurtech (a subset of Fintech) company based in Quebec that provides Canadian travellers with emergency medical travel insurance while on a trip within the country or abroad. 

It provides affordable coverage for pre-existing medical conditions. Patients can find the right medical coverage through a proprietary health questionnaire that determines their health condition.

soNomad also offers multi-trip annual travel insurance plans for frequent travellers with a range of coverage options from 7 days to 15, 30 or 45 days. 

One of Canada’s largest insurance providers, Allianz provides a diverse range of insurance products, including travel protection.

The company offers multiple coverage plans with extensive coverage per travel package, from travel interruptions to medical interventions.  

Allianz offers plans for single and multiple trips for individuals and businesses. Free coverage is offered to dependent children under 17 years, and extensive coverage for long trips.

Canadian Automobile Association (CAA) is a not-for-profit organization providing travel insurance and related services to over 7 million members. 

CAA travel insurance plans include a Vacation Package, Emergency Medical, and Trip Cancellation and Interruption Plans (trip only). 

Lots of options are available for customizing premiums to fit your budget. CAA members also get a 10% discount on their premiums. Coverage is also available for kids, grandkids and pets. 

Is Blue Cross Travel Insurance Worth It? 

Blue Cross has a reputation for being a reliable company that has served the industry for years. It aims to provide travellers with peace of mind through its range of insurance plans that cater to various travel insurance needs of Canadians.

Many Blue Cross travel insurance reviews describe how the insurer has been providing varied travel insurance requirements through customizable plans that target the specific needs of travellers. 

If you want to protect the money you prepared for your vacation, it makes sense to purchase travel insurance. Some reasons why travel insurance can be worth it include the following:

• You are travelling overseas, and the cost is much more than you can risk losing
• Your itinerary involves numerous connecting flights and multiple destinations
• Your travel plans include a lot of prepaid and non-refundable tours, trips and activities 
• You are heading to a remote location with limited facilities

Generally, travel insurance is not necessary if you are taking domestic trips, do not have many prepaid expenses and if your credit card benefits include travel insurance coverage.

Blue Cross is a top insurance provider to get travel insurance with since it has a solid history of offering comprehensive coverage for Canadian travellers. Its diverse range of customizable plans helps customers get the protection they need. 

Thailand no longer requires foreigners to have travel insurance when entering the country. But you may want to consider travel insurance coverage to get protection from travel risks and losses, have peace of mind and enjoy a stress-free trip. 

Reducing travel insurance excess can help save you out-of-pocket costs if you need to make a claim. A travel insurance excess, also called a deductible, is the amount you must pay before your travel insurance policy will cover your claim. 

Six shareholders own Blue Cross. These are Pacific Blue Cross, Alberta Blue Cross, Saskatchewan Blue Cross, Manitoba Blue Cross, Blue Cross Canassurance, and Medavie Blue Cross. The company maintains an office in each province across Canada.

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Enoch Omololu, MSc (Econ)

Enoch Omololu, personal finance expert, author, and founder of Savvy New Canadians, has written about money matters for over 10 years. Enoch has an MSc (Econ) degree in Finance and Investment Management from the University of Aberdeen Business School and has completed the Canadian Securities Course. His expertise has been highlighted in major publications like Forbes, Globe and Mail, Business Insider, CBC News, Toronto Star, Financial Post, CTV News, TD Direct Investing, Canadian Securities Exchange, and many others . Enoch is passionate about helping others win with their finances and recently created a practical investing course for beginners . You can read his full author bio .

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Travel Confidently with Saskatchewan Travel Insurance

If you’re a traveller, you know avoiding stress is the key to a great trip. That’s why Saskatchewan Blue Cross has you covered with travel insurance options tailored to your needs. Whether you’re going on a short trip or a long adventure across the seas, you can rest assured that you’re protected in case of any unforeseen events. 

Nobody wants to worry about lost luggage or unexpected hospital visits, especially when exploring a new place. With Saskatchewan Blue Cross travel insurance, you can leave those worries behind and focus on making unforgettable memories. Keep reading for some tips on how to choose the best plan for your trip and travel with confidence!

The importance of travelling

Travelling to experience new places, people and activities can enrich your life, whether it’s a weekend getaway or a month in a new country.

Learning and growing

Learning and improvement of oneself isn’t limited to the workplace or education. There’s so much to learn when travelling! It fully immerses you in cultures, environments, languages, and scenarios that may not otherwise be possible. Travelling can teach us so much about decision-making, communication, inclusivity, and diversity. 

It’s pretty amazing how much we can learn from exploring new places and meeting new people! This is one of the greatest things travel insurance helps enable. Take away the stress and the “what ifs” to instead enjoy new possibilities, meet new people, and hear otherworldly stories.

Mental wellness

It’s important to have space away from work, routine, and stress. This is something travel can easily provide (so long as emergency travel expenses are taken care of with travel insurance coverage).

Taking care of your mental health is super important for your wellbeing, happiness, and personal growth. It helps you do well at work, build healthy relationships, and feel good about yourself. And you know what’s great for your mental health? Travelling! 

It’s a fantastic opportunity to soak up some sunshine, breathe in fresh air, admire stunning scenery, listen to great music, enjoy beautiful art, and experience vibrant colours and dance. All of these things can boost your mood, and give you a sense of adventure and positivity. So, are you ready to explore and feel good?

Physical health

Travel is also a great way to remain (or become) physically active. Even a relaxing beach trip will involve walking and swimming (in the sun!). A trip to the mountains could involve hiking. A trip to the jungle has expeditions and adventures. There’s likely always something that will keep you active when travelling, with the bonus of not even knowing you’re exercising. That’s a win!

Travel insurance coverage

The perks of travel are endless. Don’t let the risks affect your trip, whether it’s as simple as a delayed flight or as serious as an injury that stops you from returning home to your family. Adventure confidently with Saskatchewan Blue Cross travel insurance.

Beyond the potential medical expenses you may face in an emergency, this safety net is beneficial to you if you:

• paid for non-refundable trip costs;
• booked an international trip;
• planned expeditions in a remote area;
• booked connecting flights with many locations;
• packed oversized luggage; or
• want coverage for trip delays or cancellations.

Travel insurance coverage overview

There are six customizable travel coverage options at Saskatchewan Blue Cross for different types of travellers. A cross-country RV traveller isn’t going to benefit from the same insurance plan as a frequent overseas traveller, for example.

Available plans include:

• Annual Plan: Perfect for frequent travellers and snowbirds who want to travel where they want, when they want, worry-free.
• Individual Plan: Great for single-trip coverage on family vacations or quick getaways.
• Package Plus: Choose from pre-selected combinations of some of our most popular coverage options.
• Canada Package: Designed for travel within Canada, choose from packages that combine our most popular coverage options.
• VIP Travel: An optional benefit exclusively available to Personal Health Plan members, VIP Travel is a great option for frequent travellers.
• Visitors to Canada: Offers Emergency Medical Care to cover most types of visitors during their stay in Canada.

Explore more information about our travel insurance plans here . You can choose the coverage that works best for your trip, including baggage, trip cancellation insurance, or accidental death or dismemberment. You can also add a deductible to cover your trip without cutting into your travel budget. 

Here are some of the benefits to expect from most of our travel insurance plans*:

• Up to $5 million for Emergency Medical Care per trip. This includes hospitalization fees and professional fees for medical practitioners.
• Up to $2,000 for any dental treatments resulting from an accident.
• Transportation and out-of-pocket expenses to have a relative with you if you’ve been hospitalized for more than seven days.
• Up to $3,000 with an Annual or Individual plan or up to $1,500 with a VIP Travel plan for accommodation and meals if your return is delayed due to a medical emergency. 
• Access to 24/7 Travel Assistance

In addition to the above benefits, Flight Delay Service is included at no extra cost. If your flight is delayed by three hours or more, Flight Delay Service offers complimentary access to an airport lounge or even a hotel room, depending on the length of the delay. Learn more here. Once you’ve registered for this service, our system tracks your flight in real time so we can step in as soon as you need our assistance. We’ll text or email with next steps!

*Different benefits are available under the Visitors to Canada travel plan. 

Emergency travel expenses covered

Travel confidently with Saskatchewan Blue Cross travel insurance to avoid the frustrating circumstances all too common with travel (damaged or lost baggage, trip delays, and cancellations). We’ve all been there! But it doesn’t have to be this way. Pick the travel insurance package that suits you here and travel with more peace of mind.

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AlipayHK users benefit from Blue Cross travel insurance promotion

Travellers can purchase a five-day travel insurance plan for HK$1.

Blue Cross (Asia-Pacific) Insurance partnered with AlipayHK to offer customers travel coverage for the Easter season.

Blue Cross customers can now use AlipayHK to settle payments when enrolling in Travel Smart Single-trip Cover or Multi-trip Cover through the Blue Cross website or app. 

During the limited-time Easter promotion from 18 March to 17 April, AlipayHK users can enjoy special offers on Blue Cross's travel insurance products.

ALSO READ: Blue Cross APAC strengthens capital buffer, backed by AIA

Customers can purchase a five-day travel insurance plan for only HK$1, with an original price of HK$136, or receive HK$20 premium vouchers for purchases of any Blue Cross insurance plan with a premium amount of HK$100 or above. These vouchers are available on a first-come, first-served basis while stock lasts.

Blue Cross (Asia-Pacific) Insurance is a subsidiary of AIA Group and is not affiliated with Blue Cross and Blue Shield Association or any of its affiliates or licensees.

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For Members

Find a plan, advice center, common questions, walk with pacific blue cross at the vancouver sun run.

Calling all walkers! Pacific Blue Cross members save 15% off registration.

Not a runner? No problem.

We’re inviting you to Walk with Pacific Blue Cross at the Vancouver Sun Run – Canada’s largest 10K road race. You can join us in person on April 16 or complete the race virtually at your own pace between April 14 to 16.

The Vancouver Sun Run is open to everyone, and we’re proud to sponsor the Walking category. Our category is open to all walkers as well as participants with walking poles, baby joggers, strollers, and non-competitive wheelchairs.

Whether you prefer to complete the race in person by yourself, with a team of coworkers, friends, or family, or virtually at your own pace, ultimately our goal is to encourage all people to be physically active, no matter your age or fitness level.

Pacific Blue Cross members save 15%

As a Pacific Blue Cross member, you can save 15% off your Vancouver Sun Run registration by following the steps below:

• Select Individual 10K for the in-person event or Virtual Sun Run
• Enter your participant information and under “estimated finish time” select Blue – Walk with Pacific Blue Cross
• Use discount code PBCMemberVSR at check-out for 15% off*

Register and Save

* Promo code valid until March 31, 2023. Valid only for NEW registrations in the Individual 10K category. Cannot be combined with any other offers. No cash value and non-transferable. All registrations are final.