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Your guide to
choosing travel insurance
that meets your needs

Before making the decision to travel outside your province of residence

Get the proper coverage

Why buy travel

Protect yourself from the unexpected and get support whenever you need it.

Whatever your plans

Provincial health insurance plans cover only a small portion of medical services provided abroad. If you have an accident or get sick during your trip, you’ll be responsible for most of the expenses incurred.

That’s why travel insurance is so important: it covers you if you have an accident or suddenly become ill while travelling, even if you’re travelling within Canada.

What’s more, in the event of an emergency, you have 24/7 access to a team of professionals ready to offer you all the support you need until the situation has stabilized.

When you purchase a Ontario Blue Cross® travel insurance policy, you also have free access to Serenity Service™, which provides exclusive benefits in the event your flight is delayed for three or more hours.

Make the right
choice based on
your needs

Look into the benefits available to cover you throughout your trip.

What coverage do you need?

  • Emergency Medical Care insurance covers medical expenses incurred as a result of a sudden illness or injury while abroad. It’s the most important coverage you can get before a trip.
  • Trip Cancellation or Interruption insurance covers the non-refundable costs associated with the cancellation or interruption of a trip. Please note, however, that this insurance does not cover COVID-19.
  • Baggage insurance covers your belongings if they’re lost, stolen or damaged during a trip.
  • Accidental Death or Dismemberment (AD&D) insurance provides coverage in the event of accidental loss of life or use of one or more limbs.
  • Air Flight Accident insurance provides coverage in the event of loss of life or use of one or more limbs as a result of an airplane accident.

How often do you travel?

If you take more than one trip a year, Annual travel insurance that covers an unlimited number of trips abroad is probably a good option for you.

and Trip

Are you covered in case of trip cancellation or interruption?

Important details

Trip Cancellation or Interruption insurance covers eligible, non-refundable expenses associated with the cancellation or interruption of a trip. To be eligible for a refund, the reason for cancelling or interrupting your trip must have been unknown at the time your insurance policy took effect or when you purchased your trip.

Ontario Blue Cross® Trip Cancellation or Interruption insurance does not include coverage for COVID-19 since March 12, 2020, as this is a known situation.

Check your

Read your policy carefully.

To fully understand your insurance

If you already have access to travel insurance, see what it covers. You may, for example, already have access to travel insurance through a group insurance plan or with your credit card. You should be aware, however, that these plans often have restrictions, particularly regarding the maximum length of stay.

Read your policy carefully to find out if your travel insurance provides you with all the coverage you need for your stay abroad. Pay attention to the following:

  • Are emergency repatriations covered?
  • Does your insurance cover medical care related to COVID-19? What are the restrictions or limitations?
  • Is your destination excluded from your coverage? Does your insurance cover destinations with a Level 3 (avoid non-essential travel) or Level 4 (avoid all travel) advisory from the Canadian government?
  • What is the maximum length of your stay? Does it include the quarantine period?
  • Can you extend your contract in case of emergency?
  • What is the maximum amount covered? Is it enough?

COVID-19 and
Medical Care

Does Emergency Medical Care insurance cover COVID-19?

What you need to check

It’s important to choose insurance that covers COVID-19 for your trips. To find out if this virus is covered by your contract, read your insurance policy and any endorsements carefully or contact your insurance company.

Ontario Blue Cross® travel insurance for Emergency Medical Care does not contain any exclusions related to COVID-19. However, given the magnitude of the crisis, the reduced availability of medical resources around the world and the measures being taken by individual countries to limit the spread of COVID-19, our assistance service is very limited in its ability to secure services in emergency situations abroad. For example, in the event of a medical emergency, our service may have great difficulty finding you a bed in a hospital or planning medical repatriation.

Our Emergency Medical Care benefit does not cover the cost of getting tested for COVID-19 while travelling unless prescribed by a doctor following a medical emergency or sudden illness.

To learn more about our travel insurance with regard to COVID-19, please refer to our FAQ section.

Travel insurance
offered by travel

Learn more about coverage limitations.

What you need to check

More and more companies are offering insurance covering COVID-19. However, it often has significant limitations, particularly with respect to:

  • Amounts reimbursed (e.g., $100,000 limit)
  • Trip length (e.g., 21-day limit)
  • Destinations

Furthermore, some insurance companies only reimburse expenses incurred if you get COVID-19 and don’t cover you against other types of medical emergencies.

Read your insurance policy to find out what it covers.

Are you complying with
the terms of your policy?


Make sure your health conditions are covered

Travel insurance protects you financially in case of accidental injury or sudden and unpredictable illness.

Travel insurance contracts contain limitations regarding health conditions, injuries or illnesses that were present prior to the purchase of travel insurance or prior to departure on a trip. These are called pre-existing conditions.

In some cases, COVID-19 may be a pre-existing condition (e.g., if you had symptoms before you left). Read your policy to find out what it covers.


Contact your insurer if your health status has changed

If your health status changes before you leave, you must inform your insurance company. This could have an impact on your coverage.

A change in health status refers to any illness, accident, injury or symptom for which you:

  • Have consulted a doctor (except for a routine check-up).
  • Have been hospitalized.
  • Have been prescribed or have received a new treatment.
  • Have had a change in an existing treatment.
  • Have been prescribed or have taken a new medication.
  • Have had a change in the dosage of your existing medication.

Get coverage for the entire length of your trip

It’s important to get insurance for the entire length of your trip, including the date of departure and return. Otherwise, your travel insurance policy will be null and void and you won’t be eligible for reimbursement if you’re involved in an accident, even if it occurs during the initial period of coverage.

If you need to extend your trip, contact your insurance company right away to have the dates of your contract changed. It’s very important that you extend the period covered by your contract before its expiry date.


Make sure you’re covered by provincial health insurance

If you plan to be outside Canada for more than seven months in any 12-month period, you should contact your nearest ServiceOntario centre to make sure your OHIP coverage stays active.

Don’t travel if you...

Have symptoms
of COVID-19.

Have been in contact with someone who has symptoms of COVID-19 in the 14 days prior to your departure.

Have been in contact with someone who has COVID-19 in the 14 days prior to your departure.

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