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Blue Cross Travel Insurance for Atlantic Canadians
You never know when an accident or medical emergency will happen. If it occurs while traveling, it can end up costing you thousands of dollars, if you don’t have the right protection – not the souvenir to take home from your vacation. Our travel insurance products are designed to provide peace of mind to Ontarians when traveling.
We are advisors that work with the majority of travel insurance carriers in Canada, shopping on your behalf for both price and quality.
Don’t rely on your credit card insurance or group insurance coverage. Be sure to pack one of our travel insurance plans in your bag before you leave home.
Types of Coverage – Single vs. Annual
We have travel solutions to meet your short term and long term travel needs. If you only travel once a year, or if you have multiple trips scheduled. We are here to help!
In most cases an Annual plan is the better route, choose a 4, 8, 17, 31, 60, 90, 120, 150 or 180-day maximum per trip duration. Take as many trips within the year, up to your selected per trip duration. For example, a 60-year-old travelling for one trip the cost for Emergency Medical care would be $103 for 2 weeks. The cost for an Annual plan, which would allow coverage for multiple trips over the year would cost $112. Let us help you find the right solution to meet your travel needs.
Both plans (Single or Annual) would provide the following coverage:
- $5 million for emergency medical care
- Hospitalization fees
- Professional fees for nurses, physicians and other health care professionals for emergency medical treatment
- Up to $2,000 for emergency dental treatment as a result of an accident
- Emergency repatriation by air ambulance or commercial flight with a medical escort
- Return of your travelling companion and/or family members covered by the same policy
- Up to $3,000 for accommodation and meals if your return is delayed due to a medical emergency
This exclusive service is available at no extra cost to anyone with Blue Cross travel insurance. It provides you a range of benefits if your flight is delayed, including access to an airport lounge or even a hotel room, depending on the length of the delay.
Visitors to Canada & SuperVisa Insurance
Visitors to Canada plans cover emergency medical care and are also available for individuals who are visiting Canada on a SuperVisa.
SuperVisa Coverage – You must be the parent or Grandparent of a Canadian citizen or a permanent resident of Canada to qualify for this type of Visa. With this Visa you can visit Canada for up to 2 years, without needing to renew your status. This is also a multi-entry visa that allows you to enter Canada multiple times up to 10 years. This differs from a regular 10-year multiple entry Visa, as with the Regular Visa, you can only stay up to 6 months.
One of the requirements is that you have medical insurance from a Canadian Insurance Company, that is valid for at least 1 year and a minimum of $100,000 in coverage.
Coverage Amounts for Visitor to Canada (SuperVisa must be at least $100,000)
$50,000, $100,000 or $150,000 for emergency medical care, including:
- Hospitalization fees for a semi-private room
- Professional fees for nurses and physicians required for emergency medical treatment
- Up to $2,000 for emergency dental care treatment as a result of an accident
- Emergency home return by air ambulance or commercial flight with a medical escort
- Up to $1,000 for accommodation and meals if your return is delayed due to a medical emergency
- Professional services by a physiotherapist, chiropractor, osteopath or podiatrist when medically necessary and prescribed by the attending physician, up to a maximum of $300 per profession
- Your trips to other provinces and the United States may be covered.
*This plan should be purchased before your arrival in Canada, but may also be purchased when you arrive (waiting periods apply).
Blue Cross Travel Insurance vs. Other Travel Insurance Coverage
Not sure what you’re covered for? Check the extent of insurance coverage on your credit card. Pay particular attention to the following elements:
Travel Duration – Some institutions limit the length of stay according to age; if you are a snowbird wintering south, you may not be covered.
Emergency Medical Care Coverage – Check the eligibility requirements for your coverage. If you have a chronic illness or a pre-existing condition, your condition may have to be stable for more than 6 or 12 months, depending on your age. Sometimes, only a specific percentage of total emergency medical care costs may be reimbursed. As well indemnities are subject to a deductible and you may need to pay for services up front, and then be reimbursed.
Trip Cancellation or Interruption – It’s important to verify what the limits are for trip cancellation and interruption. For example, many gold cards limit coverage to $2,000 – not enough to cover a 3 or 4 week trip abroad. Very few group plans provide these benefits.
Baggage – Many credit card plans, as well as group plans, do not include coverage for Baggage, and if they do, they usually have very low maximum coverage amounts.
If your group or credit card insurance is limited, we can enhance your coverage with Blue Cross travel insurance. One way or another, it is likely that Blue Cross will take over in the event of an accident or illness.
Protect your travel investment. With Blue Cross, you are sure to benefit from complete coverage, recognized worldwide.
Let us help you choose the travel insurance coverage you need.