Is Blue Cross Travel Insurance in Canada worth it? 2024 Review

Blue Cross Travel Insurance is a well-established insurance provider that offers coverage for Canadian travellers. With a reputation for reliability, Blue Cross is a trusted choice for those seeking reliable travel insurance solutions.

But how much does Blue Cross travel offer cost? What does it cover? What are its pros and cons? And most importantly, is it the best choice for you? Find all this and more in our complete review of Blue Cross Travel Insurance Canada.

Our 2024 review on Blue Cross travel insurance

Blue Cross is a reputable provider in Canada, catering to travellers' needs by offering travel insurance plans. The company's policies cover a wide range of travel-related incidents, including medical emergencies, trip interruptions and baggage loss.

The company aims to provide peace of mind to travellers by protecting them from unexpected expenses while abroad. Its extensive coverage options and reputation in the insurance industry make it a good option for Canadian travellers seeking reliable travel insurance.

Let’s take a look at its pros and cons to further understand Blue Cross insurance Canada:

Before choosing Blue Cross, be sure to compare its offer with its competitors:

Compare the best travel insurance plans on the market!

Get a quote

What is Blue Cross travel coverage in Canada?

What does Blue Cross travel insurance cover

Blue Cross Travel Insurance Canada typically covers a range of incidents, such as:

• Emergency medical expenses during travel
• Trip interruption or cancellation under some unforeseen circumstances
• Baggage loss, delay, or theft
• Accidental death and dismemberment coverage
• Travel assistance services, including emergency evacuation
• Optional: Covid coverage

Below, we have outlined the features of each coverage option offered for the single-trip plan when traveling outside of Canada to assist you in selecting the most suitable option:

Coverage Type	Emergency Medical	Trip Cancellation or Interruption	Accidental Death or Dismemberment	Baggage
Up to $500 (after a 12-hour delay)	$5 million
Medical repatriation	One-way economy airfare
Paramedical services	Up to $400 per profession
Hospital allowance	Up to $100 per day, $500 max
Emergency dental for injury and pain	Up to $2,000 for injury, $500 for pain
Companion travel, subsistence	Economy fare and up to $1,200
Subsistence allowance due to medical delay	Up to $300 per day, max $3,000
Trip cancellation and trip interruption		Up to the sum insured, max $15,000
Meals & accommodation due to travel delay		Up to $300 per day, max $3,000
Travel accident and travel accident			Up to $200,000 for travel Up to $300,000 for flight (depending on age and circumstances)
Baggage insurance				Up to $1,500
Baggage delay				Up to $500 (after 12-hour delay)

What is not covered by Blue Cross travel plans?

The specific exclusions may vary depending on the policy, but typical exclusions might include:

• Pre-existing medical conditions (unless specifically covered)
• Injuries or accidents related to extreme sports or risky activities
• Travel to countries or regions under travel advisories or warnings

In some cases, Blue Cross might provide coverage for stable pre-existing conditions, which are medical conditions that have been stable and controlled for a certain period before the trip. The definition of "stable" and the required stability period can vary from one policy to another.

It's important for travelers with pre-existing conditions to be upfront and honest when providing their medical history during the application process. Failure to disclose pre-existing conditions accurately can lead to claims being denied later on.

Is Blue Cross travel insurance available in all provinces?

Blue Cross offers coverage to travellers from all Canadian provinces, including but not limited to:

• British Columbia (Pacific blue cross travel insurance)
• Alberta
• Ontario
• Quebec
• Manitoba
• Saskatchewan
• Nova Scotia
• New Brunswick
• Prince Edward Island
• Newfoundland and Labrador

Does Blue cross have travel insurance for seniors?

Yes, Blue Cross offers travel insurance to seniors in Canada. Its offer is designed to cater to the unique needs of older travelers. These insurance plans typically offer comprehensive coverage, including the following:

• emergency medical expenses,
• trip cancellations,
• baggage loss.

They may also provide coverage for pre-existing medical conditions, as well as extended trip durations suitable for seniors traveling abroad

How to contact Blue Cross travel insurance?

For inquiries or assistance, individuals can contact Blue Cross through their customer service channels, which may include phone numbers, email, or online chat support available on their official website.

The Blue Cross travel insurance phone number numbers may vary based on your province. In Ontario, you can call Blue Cross at: 

• 416-640-3444
• 1-866-732-2583

Another easy and quick way to contact Blue Cross is to log in to your Blue Cross account and get in touch with the insurer through its private online channels.

How much does Blue Cross travel insurance cost?

The cost of Blue Cross's travel insurance is determined by several factors, including:

• the total trip cost,
• the trip destination (whether you need travel insurance for the USA or Europe, your premium will not be the same),
• the age of the traveller,
• the chosen coverage level.

Below are some examples of the costs for Blue Cross single-trip plans available to travellers based in Ontario. All travellers have provincial healthcare plans.

Travellers' profile	Destination, time	Emergency Medical Care Coverage Cost	Trip Cancellation or Interruption Coverage Cost	Accidental Death or Dismemberment Cost	Baggage Coverage	Overal single-trip coverage cost
Individual, age: 33 years old	France, 21 days	$81.60 ($0 deductible, $5,000,000 Coverage)	$121.49 (For $3,000 cost per traveller of travel expenses)	$13.04 (maximum benefit $300,000)	$26.21 (up  to $1,500 coverage)	$242.34 (inc taxes)
Individual, age: 45 years old	UK, 10 days	$44.16 ($0 deductible, $5,000,000 Coverage)	$124.66 (For $3,000 cost per traveller of travel expenses)	$7.73 (maximum benefit $300,000)	$12.48 (up  to $1,500 coverage)	$189.03 (inc taxes)

To know the exact coverage and exclusions, you must get a personalized quote from Blue Cross.

To see what suits you best, you could use our comparator below to compare Blue Cross prices with other travel insurances. Get quotes and pricing information in no time and it's completely free to use.

Compare the best travel insurance plans on the market!

Get a quote

Are you eligible for Blue Cross travel insurance?

To qualify for insurance coverage with Blue Cross, you must meet the following criteria:

• You are a Canadian resident who is covered under a health insurance plan from the government.
• You are at least 30 days old on the departure date of your trip.

Moreover, for travellers aged 55 and over, the following conditions must not apply:

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

How to make a Blue Cross travel insurance claim?

To make a claim with Blue Cross travel coverage, travellers typically need to follow these steps:

1. Contact Blue Cross as soon as possible to initiate the claim process.
2. Provide all necessary documentation and details related to the incident.
3. Complete any claim forms required by the company.
4. Cooperate with the claims adjuster, if needed, to provide additional information.