Blue Cross® Travel Insurance

Blue Cross^® Travel Insurance is designed for Canadian residents travelling outside their home province or abroad. Whether you're planning a short vacation, a snowbird season, or a trip across Canada, Blue Cross provides comprehensive emergency medical coverage plus optional trip cancellation, baggage, and accident benefits — all backed by 24/7 Blue Cross Travel Assistance. The plan is underwritten by Canassurance Insurance Company and is available through OnVoyage, a licensed insurance broker, for residents of Ontario and Quebec.

Who Is Blue Cross Travel Insurance For?

Blue Cross Travel Insurance is for Canadian residents who are enrolled in a provincial or territorial government health plan. It covers emergency medical expenses that your provincial plan will not pay while you're travelling — including hospital stays, physician fees, ambulance transport, and prescription drugs. It is available for residents of Ontario and Quebec.

Available Plans

Emergency Medical Benefits

• Emergency medical treatment up to $5,000,000
• Hospitalization in a semi-private or private room
• Physician fees (difference above government allowance)
• Private-duty nursing during hospitalization
• Health professionals up to $400/profession: physiotherapist, chiropractor, osteopath, podiatrist/chiropodist
• Urgent dermatological outpatient care up to $400
• Laboratory tests and X-rays prescribed by treating physician
• Prescription drugs (emergency treatment only)
• Crutches, canes, splints, wheelchair and orthopedic device rental
• Emergency dental (accidental trauma to healthy teeth)
• Ambulance or taxi to nearest suitable medical facility
• Medical repatriation to province of residence
• Repatriation of travelling companion or immediate family member
• Transportation to identify or visit hospitalized insured (3+ days)
• Return of remains up to $10,000 (preparation and transport or cremation/burial on-site)
• Vehicle return up to $5,000 when illness prevents driving
• Pet return up to $500
• Subsistence allowance: $300/day up to $3,000 (accommodation, meals, phone, taxi, childcare)
• Incidental hospital expenses up to $100/day, max $500 per hospitalization
• Medical follow-up in Canada within 15 days of repatriation
• 24/7 Blue Cross Travel Assistance (CanAssistance)

Optional Add-On Coverages

Trip Cancellation and Interruption

Single-Trip: covers the full amount of prepaid non-refundable travel expenses if your trip is cancelled before departure or interrupted after departure due to a covered event (illness, death, travel advisories, and other listed reasons). Multi-Trip Annual: $1,500, $2,000, $2,500, or $5,000 per trip. The Option: Cancel for Any Reason can be added to both plans.

Accidental Death or Dismemberment (AD&D)

Up to $300,000 depending on age and circumstances. Available as part of Single-Trip and Multi-Trip Annual plans.

Baggage

Up to $1,500 for loss, theft, damage, or destruction of baggage and personal effects.

Pre-Existing Medical Conditions

Blue Cross Travel Insurance covers stable pre-existing conditions. A condition is stable when there have been no new symptoms, no deterioration, no change in treatment, and no test results pending.

Key Exclusions

Blue Cross Travel Insurance does not cover:

• Travel against a physician's advice or with a terminal diagnosis
• Kidney disease treated with dialysis (ages 55+) or metastatic cancer diagnosed in the past 5 years (ages 55+)
• Pulmonary hospitalization in the past 12 months or home oxygen in the past 12 months (ages 55+)
• Unstable pre-existing conditions (beyond the stated stability periods)
• Routine check-ups, elective, experimental, or rehabilitation treatments
• Pregnancy, childbirth, and related complications
• Mental health disorders
• High-risk sports and activities
• Illegal acts

Claims & Emergency Assistance

Contact Blue Cross Travel Assistance (CanAssistance) before visiting a hospital or clinic — failure to do so may result in a claim being denied. If you are unable to call due to your medical state, a relative or member of the medical staff must call within 24 hours.

Submit claims online at: canassistance.com/en/policyholder/claims

Frequently Asked Questions

What does Blue Cross Travel Insurance cover?

Emergency medical care up to $5,000,000, including hospitalization, physician fees, ambulance, prescription drugs, and paramedical services. Optional coverages include trip cancellation and interruption, accidental death or dismemberment up to $300,000, and baggage up to $1,500.

Does Blue Cross offer annual multi-trip plans?

Yes. The Multi-Trip Annual plan covers all trips outside your province of residence for one year. Choose a maximum trip length of 4, 8, 17, 31, 60, 90, 120, 150, or 180 days. The age limit is 85 and under (up to 120-day trips) or 80 and under (150–180-day trips).

What stability period applies to pre-existing conditions?

Travellers 54 and under need 3 months of stability before departure. Travellers 55 and over need 6 months of stability. An optional Reduced Stability Period of 3 months is available for eligible travellers aged 55–84.

Is there a Cancel for Any Reason option?

Yes. The Option: Cancel for Any Reason can be added to the trip cancellation coverage on both Single-Trip and Multi-Trip Annual plans.

Which provinces can purchase through OnVoyage?

OnVoyage offers Blue Cross travel insurance for residents of Ontario and Quebec.

When must I call Blue Cross Travel Assistance?

You must contact Blue Cross Travel Assistance (CanAssistance) before visiting any hospital or clinic. Failure to do so may result in your claim being denied. Call the number on your insurance certificate. If you cannot call due to your condition, a relative or medical staff member must call within 24 hours.