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.

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. Call 1-877-986-7681. Failure to call may result in your claim being denied. If you cannot call due to your condition, a relative or medical staff member must call within 24 hours.