blue cross travel insurance atlantic canada

1 866 848 8836 ________ Apply Now

Medavie Blue Cross Agents | MacLellan Moffatt

Health, travel, and life insurance for Atlantic Canadians

Health Insurance for Atlantic Canadians, from Medavie

Public healthcare is covering less and less. Could your family cope financially with a serious illness?

See personal Medavie Blue Cross health insurance plans >>

Travel Insurance

Medical emergencies do happen. Trips get suddenly cancelled. Before you leave home:

Pack a travel insurance plan >>

Visitors to Canada Travel Insurance

Are you a returning Canadian, travelling on a visa, or simply visiting? A medical emergency while in Canada could be costly.

Get Visitors to Canada insurance protection >>

Why trust MMHI for your health, travel, and life insurance needs?

Learn more about MMHI

Insurance is all we do, and it’s been our focus for over 20 years and almost 2,000 families. We understand the intricacies and can tailor a plan for your unique needs.

Buying health, life, and travel insurance is often a relationship that lasts decades. You’ll have a great team of Medavie Blue Cross agents from day one. We hope your coverage doesn’t become a financial lifeline, but we’ll be there if it does.

You get a real person when you call. If you don’t get through, leave a message, and we will call you back.

MacLellan Moffatt has provided my families health insurance for the past 7 years. I feel a great level of comfort and trust with this company. They are always available for any questions and concerns I may have. Ultimately they provide great service in a timely manner. Mark R., Owner Mer et Soleil

Book a Call

Want to speak to an agent?

Pick a date and time that works for your schedule. One of our advisors will give you a call to tailor a solution for your insurance needs.

If you already have a Blue Cross plan and you want claim or benefits information, contact Medavie Blue Cross directly.

Get a Quote on Insurance

Your Name *

Your Email *

Health Travel

Atlantic Health Benefits

Get the best coverage for you, your family, and your employees!

Call: 1 844 940 5927 for Quote or

Servicing all Atlantic Canada including:

New brunswick: bathurst, blackville, boiestown, bouctouche, campbellton, cap pele, caraquet, chipman, dalhousie, dieppe, dorchester, edmundston, florenceville, fredericton, fredericton river valley, fundy shore st. john, grand falls, hartland, madawaska north west, mcadam, memramcook, minto, miramichi, miramichi area, moncton, moncton south east, napan, neguac, norton, oromocto, perth andover, petitcodiac, plaster rock, port elgin, quispamsis, restigouche, restigouche bathurst acadian peninsula, richibucto, riverview, rogersville, rothesay, sackville, saint john, shediac, shemogue, st leonard, st louis de kent, st martin, st stephen, sunny corner, sussex, woodstock, nova scotia: hrm, halifax region,  halifax, sackville, dartmouth, south shore, yarmouth, liverpool, mahone bay, lunenburg, bridgewater, shelburne, annapolis valley, digby, kentville, wolfville, annapolis royal, middleton, new minas, cape breton region, sydney, glace bay, inverness, port hawkesbury, sydney mines, baddeck, port hood, northern nova scotia, westville, stellerton, new glasgow, antigonish, pictou, thorburn, fundy region, windsor, truro, amherst, springhill, oxford, stewiacke, brookfield, kennetcook, pei: charlottetown, summerside, stratford, kensington, montague, morell, mount stewart, winsloe, cornwall, o’leary, alberton, tignish, souris, murray river, st louis, crapaud, and surrounding areas.  , request a quote.

Quote will be sent within 24 hours.

Call 1 844 940 5927 for quote via phone.

All kinds of coverage available!

• Elements by Medavie Blue Cross
• Dental Only Plan Brochure
• Health and Drug Coverage
• Travel Insurance & New To Canada Health Plans
• Group Employee Health & Dental Plans
• Guaranteed Issue Health Medical Insurance Products

How can we help you?

Personal and Family Plans

Cover yourself and your family with Blue Cross and never over pay for drugs! 

Group Health Benefit Plans

Unbeatable rates and coverage for group plans for you and your employees! Can include AD&D, LTD, Health, Drug, Dental & Disability coverage available.

Dental Only Plans

Missing dental coverage? Check out our dental only plan!

Guaranteed Issue Plans

No Blood, No Medical Required – Health, Drug & Dental Insurance

Compare plans online and get an affordable healthcare quote. Qualifying is easy and quick. Get affordable healthcare in less than 24 hours. No Medical Tests. Guaranteed Issued Plans. Easy Health Insurance.

Disability Insurance Quote

Travel Insurance Quote

Travel worry-free with travel insurance through Medavie Blue Cross.

Family excursion, relaxing getaway or business trip—no matter where your travels take you, make sure to pack Blue Cross travel insurance. An accident or medical emergency while travelling could cost you thousands if you don’t have the right protection.

Have a Question?

Call us anytime to answer your questions or to get a policy started!

Call: Nova Scotia, New Brunswick or PEI: Toll Free : 1 844 940 5927

• Travel Insurance
• Blue Cross Travel Insurance Review

The Forbes Advisor editorial team is independent and objective. To help support our reporting work, and to continue our ability to provide this content for free to our readers, we receive payment from the companies that advertise on the Forbes Advisor site. This comes from two main sources.

First , we provide paid placements to advertisers to present their offers. The payments we receive for those placements affects how and where advertisers’ offers appear on the site. This site does not include all companies or products available within the market.

Second , we also include links to advertisers’ offers in some of our articles. These “affiliate links” may generate income for our site when you click on them. The compensation we receive from advertisers does not influence the recommendations or advice our editorial team provides in our articles or otherwise impact any of the editorial content on Forbes Advisor.

While we work hard to provide accurate and up to date information that we think you will find relevant, Forbes Advisor does not and cannot guarantee that any information provided is complete and makes no representations or warranties in connection thereto, nor to the accuracy or applicability thereof.

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

About blue cross travel insurance, what travel insurance does blue cross offer, blue cross travel insurance plans, summary: plan comparison, blue cross travel insurance cost, comparing blue cross travel insurance with other insurers, optional add-ons for blue cross travel insurance, does blue cross travel insurance offer any discounts, does blue cross travel insurance offer annual multi-trip plans, blue cross travel insurance 24/7 travel assistance, does blue cross travel insurance have cancel for any reason (cfar), does blue cross travel insurance have interruption for any reason (ifar), blue cross travel insurance and pre-existing medical conditions, blue cross travel insurance exclusions, blue cross travel insurance eligibility, how to file a claim with blue cross travel insurance.

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.

• Goose Travel Insurance Review
• CAA Travel Insurance Review 2023
• TuGo Travel Insurance Review
• Manulife Financial CoverMe Travel Insurance
• World Nomads Travel Insurance Review
• Medipac Travel Insurance Review
• RBC Insurance Travel Insurance
• TD Insurance Travel Insurance Review
• Johnson MEDOC Travel Insurance
• Allianz Global Assistance Travel Insurance
• TD Bank Travel Insurance
• CUMIS Travel Insurance Review
• AMA Travel Insurance
• GMS Travel Insurance Review
• CIBC Travel Insurance Review
• BMO Travel Insurance Review
• Desjardins Travel Insurance Review
• Travelance Travel Insurance
• Scotia Travel Insurance Review
• How To Get Pre-Existing Conditions Covered By Travel Insurance
• Should You Buy Travel Insurance And Is It Worth It?
• Why Travel Medical Insurance Is Essential

Do I Need Travel Insurance When Travelling Within Canada?

• Trip Cancellation Travel Insurance
• How To Get Reimbursement For A Travel Insurance Claim
• Do Canadian Travellers Need Schengen Visa Insurance?
• How Travel Insurance Works For Baggage
• How To Travel To The U.S. From Canada
• Do You Need Annual Multi-Trip Travel Insurance?
• Travel Insurance For Trips To Europe
• What Travel Insurance Does Not Cover
• Top 10 Travel Insurance Tips For 2023
• Travel Insurance For A Mexico Vacation
• How To Read The Fine Print Of Your Travel Insurance Policy
• 5 Top Tips For Handling Flight Cancellations Like A Pro
• What Does Travel Delay Insurance Cover?
• Advantages Of Buying Travel Insurance Early
• Travel Insurance For U.K. Trips
• Travel Insurance For Trips To Italy

More from  

$10 etias travel pass for europe visits pushed to 2025, what’s the purpose of an etias travel authorization, bcaa travel insurance review 2024, pacific blue cross travel insurance review 2024, cumis travel insurance review 2024.

• Health Insurance
• Assured Access
• Dental Insurance
• No Medical Life Insurance
• Life Insurance
• Guaranteed Issue Health Plan
• Travel Insurance
• Critical Illness Cover
• Mortgage Protection Insurance
• Questions Fréquemment Posées
• Free Online Quote
• Life Insurance Worksheet

Travel Insurance Moncton

Travel insurance plan your trip with peace of mind.

You deserve flexibility, reliability, and peace of mind when you book a vacation for you or your family. Travel is a time to relax, after all.

Travel insurance has never been more important than it is right now. Our coverage can include emergency health care, flight delays, trip cancellations and your family luggage.

We offer multiple travel insurance options with options for everyone from a solo backpacker to a frequent-flying family.

We offer the travel plans available by Blue Cross, and Manulife.

Benefits of Travel Insurance:

• Unlimited number of trips within a 12-month period
• Various maximum trip duration options: 4, 8, 17, 31, 60,  90, 120, 150 and 180 days
• Our Travel Assistance for emergency support 24/7

Plan your next trip with confidence The freedom to travel with simple, scalable travel insurance.

Which travel plan is right for me?

• Visitors to Canada

The visitors to Canada travel insurance is perfect for:

• Foreign travellers visiting Canada
• Visitors looking for coverage that meets the Supervisa criteria
• Immigrants or permanent resident waiting for the provincial health insurance plan
• Foreign students, or workers.

Note: Insurance must be purchased within 30 days of the latest of the following dates:

• On the day of arrival in Canada, or
• The day following the termination date of similar coverage in Canada under another insurance contract – however, must provide a proof of previous insurance.
• If insurance is purchased after arriving in Canada, the coverage will begin 4 days following the purchase date of the contract.
• Single-Trip

Emergency medical care coverage for a single trip with possible add-ons for additional coverage based on your needs. There are no age restrictions for purchasing the travel plan.

Are you a snowbird? If so, this is the perfect plan for you!

If you are planning on travelling more than once in a year, this is the right plan for you. You pick the trip duration that fits the duration of your multi trip you will have during a year. We can determine the number of days in your annual plan based on your needs; there are many to chose from!

Snowbirds Travel Insurance

Every year, countless Canadians fly south for the winter to sunnier climes. Our Snowbirds Travel Insurance was created specifically to offer maximum coverage to all our Snowbirds and is available on a daily or annual basis. It evens covers some pre-existing conditions, vehicle return and meals and accommodation if your return journey is delayed due to illness or injury. Travel with peace of mind.

Our coverage includes:

• 24/7 emergency assistance services
• $5,000,000 for emergency medical care per trip
• Hospitalization fees
• Professional fees for nurses, physicians and other health professionals for emergency medical treatment and care
• Up to $2,000 for emergency dental treatment as a result of an accident
• Emergency repatriation, when necessary and based on your medical condition and medical follow-up upon arrival
• Transportation and out-of-pocket expenses for a relative coming to your bedside if you are hospitalized for more than 7 days
• Optional deductibles on emergency medical care costs
• Optional travel breaks – pop home of occasional to catch up with loved ones, without it affecting your cover
• Options for medical only, annual medical package plus and annual package plus

We are your complete personal insurance agent in Moncton NB. Blue Country Insurance has been providing insurance plans since 1999 in Atlantic Canada and is proud to let you travel with ease.

Do you need travel insurance coverage for trips outside your province or abroad?

Are you the type of traveler who loves exploring new cultures and countries? Or do you prefer the variety of great experiences our home and native land has to offer?

Either way, if your vacation plans take you outside your home province or territory, your provincial health insurance coverage (Medicare) may not cover all your medical expenses.

Travel insurance coverage can help you avoid unexpected fees.

What about the insurance I have through my credit card, is it enough?

Many Canadians have some form of travel insurance or trip insurance through a credit card. Be careful when relying on this type of insurance, as coverage may be restricted to the cardholder or to non-medical expenses. Before you travel abroad, check with your credit card company to make sure you are fully protected.

Group Benefits Conversion Plans

Our Products

Find out more about the Blue Country difference!

Toll Free: 1-877-512-7377 [email protected]

CONTACT US TODAY to answer any questions you may have.

Have questions? Get in touch now – Always caring, always here!

Blue Cross® Travel Insurance

Copyright © OnVoyage.Ca - All Rights Reserved

For Members

Find a plan, advice center, common questions, visitors to canada.

Emergency health coverage for tourists, workers, new immigrants and students.

Buy Now Make a Claim

Be ready for Canada

Arriving in a new country can be as daunting as it is exciting. To prevent any unnecessary anxiety, Pacific Blue Cross offers a Visitors to Canada Travel plan to ensure that your stay here is worry-free.

Our Visitors to Canada Travel plan provides protection against the high cost of emergency medical care for foreign visitors entering Canada for pleasure or business reasons, for foreign students, for immigrants or foreign workers entering Canada to lawfully seek permanent residence.

When this coverage is purchased prior to arrival in Canada, coverage becomes effective on the day you arrive. The plan is also available for purchase within 30 days of arrival, and coverage commences 72 hours following the date of application.

For returning Canadians awaiting eligibility for the Government health insurance plan to begin.

Pacific Blue Cross has you covered.

What coverage is available?

When Visitors to Canada coverage is purchased prior to arrival in Canada, coverage becomes effective on the day you arrive. The plan is also available for purchase within 30 days of arrival, and coverage commences 72 hours following the date of application.

Our Visitors to Canada travel plan covers costs related to emergency medical care resulting from an accident or sudden illness. The plan pays for expenses necessary for the stabilization of the medical condition that are over and above any benefits granted by the government programs of the person's country of residence.

Plan Highlights:

Hospitalization, medical and paramedical expenses.

• Hospitalization:   Hospitalization expenses for ward accommodation. Semiprivate or private accommodation are not covered.
• Physician fees:   The medical and surgical charges for the services of a physician, surgeon or anesthetist, up to the amount payable under the government fee schedule in the area where services are rendered.
• Medical appliances:   The purchase or rental cost of crutches, canes or splints, and the rental cost of wheelchairs, orthopedic corsets and other medical appliances when prescribed by the attending physician.
• The fees of a registered nurse (other than a relative) for private care while hospitalized and when medically necessary and prescribed by the attending physician.
• Diagnostic services:   The charges for laboratory tests and x-rays when prescribed by the attending physician.
• Drugs (when required as part of emergency treatment):   The cost of drugs requiring a physician's prescription, except when they are required for the continued stabilization of a chronic medical condition.
• Accidental Dental Care:   The fees of dental surgeons for treatment necessitated by an external injury (not as a result of deliberate introduction of food or an object into the mouth), only when natural and healthy teeth, which have had no previous treatment, are damaged, or to reduce a fracture or dislocation of the jaw.

Transportation Expenses

The following services must be approved and planned by Medi-Assist.

• Ambulance service:   We cover the cost of local ambulance or air ambulance service to the nearest accredited medical facility, including inter-Hospital transfer when the attending physician and Medi-Assist determine that existing facilities are inadequate to treat or stabilize the patient's condition.
• Repatriation to the residence:   Covers the cost of repatriation to your country of residence by means of appropriate transportation in order to receive immediate medical attention, following the authorization of the attending physician and Medi-Assist.
• Return of the vehicle:   We;ll cover the cost of returning a your vehicle, either private or rental, by a commercial agency or by any person authorized by Medi-Assist to your residence or nearest appropriate vehicle rental agency, when you are unable to return the vehicle due to Illness or accident.
• Return of the deceased:   The plan pays up to $5,000 for the cost of preparation and transportation of the deceased person (excluding the cost of a coffin) to the place of residence, or up to $3,000 for the cost of cremation or burial at the place of death.
• Subsistence allowance:   Covers up to $1,000 ($100 per day for a maximum of 10 days) for the cost of accommodation and meals in a commercial establishment, when a Covered person's return must be delayed due to Illness or bodily injury to himself or to an accompanying Member of the immediate family of the Covered person or Traveling companion.

Failure to contact Medi-Assist in the event of medical consultation or hospitalization following an accident or sudden Illness could result in refusal of the compensation requested.

Call us if an emergency strikes

Medi-Assist   is our 24/7 medical travel assistance line that will help you locate medical care, provide advisory services, refer you to interpreters, assist with transportation, contact relatives and more. It means you can focus on getting healthy and leave it to us to manage your care while in an unfamiliar environment.

If you do experience an unexpected emergency while travelling, we are here to help.

During your trip, you can call our   Medi-Assist   service to determine your level of coverage and receive help:

• In Canada or the U.S., call toll-free:   1-888-699-9333
• Outside of Canada or the U.S. or where toll-free is unavailable, please call collect to   1-604-419-4487   and we will pay for the call.

Claims Process

Out-of-Province Emergency Medical Claims  — Four simple steps

Trip Cancellation / Baggage Claim Form — Form for claiming Trip Cancellations or Lost Baggage [pdf]

Visitors to Canada Travel Plan Claim Form — Form for claiming against a Visitors to Canada Travel Plan contract [pdf]

Canadians are optimistic about travel in 2024: Blue Cross Travel Study

• In Our Community
• Member Savings

Take off with Canada’s #1 travel insurance

Join canada's most trusted health benefits, enjoy tailored group benefits trusted by millions, protect your loved ones with effective coverage, life keeps changing and blue cross can help you.

Whatever changes come your way, Blue Cross is here to help protect you and all you love.

Considering your health?

Planning a trip, insuring a mortgage, starting a new business, growing your family, blue cross: canada’s trusted insurance.

A recognized symbol of health care globally

Being trusted, professional and familiar is what you need in your coverage provider when travelling out of province

Covering 8 million Canadians each year

One in five Canadians chooses Blue Cross to protect them and those they love with the right coverage for their needs

Over 80 years as a health care provider

Since 1938, Blue Cross continues to provide quality healthcare, including for provincial governments.

#1 for travel insurance for 5 years in a row

With flexible and affordable travel insurance, more Canadians choose Blue Cross than any other provider.

Save with Blue Advantage ®

Blue Cross members can save on medical care, vision care and many other products and services offered by participating providers across Canada.

No receipts to submit – save right away when you purchase at a pharmacy or other health provider.

Simply present your Blue Cross identification card to the participating provider and mention the program.

Celebrating 35 years with Make-A-Wish ® Canada

Over 25,000 wishes – covering 100,000 family members – have required Blue Cross Travel Insurance, in partnership with Make a Wish ® Canada.

By making so many wishes come true, wish kids have something to look forward to so they can focus less on their next treatment.

It’s just one of the many ways Blue Cross strengthens our communities from coast to coast to coast.

Hear From Our Members & Partners

Blue News ®

February 20, 2024

Canadians are optimistic about travel in 2024.

February 10, 2024

2023 licat ratio public disclosure summary.

September 27, 2023

Health benefits might be worth more than money.

April 25, 2023

The power of a travel wish, thanks to blue cross, find the right plan.

We understand that making the right choice for your benefits and coverage is important.

We’re here to help!

Please click below to be redirected to your local Blue Cross plan for more specific information.

Newsletter Heading

Lorem ipsum dolor sit amet till, consectetur adipicing elit till.

Choose your region