Blue Cross Insurance Review

Group Insurance - Benefit Plus®

Benefits Plus® from Alberta Blue Cross is a group benefits plan for small businesses that have between 2-4 employees. The plan is available in the basic or enhanced package, which distinguishes the features that are included. The plan includes drug coverage, extended health coverage, paramedical services, medical equipment, emergency travel, diagnostic treatments, emergency dental, overall dental, extensive dental and periodontics. Riders include long-term disability, critical illness, and vision care.

Group Insurance - Blue Flex®

Blue Flex® from Alberta Blue Cross is a group benefits plan for medium to large sized businesses with 5 or more employees. This plan includes basic life insurance, accidental death, dismemberment, and extended health benefits. The plan is customizable with the option to add coverage for prescription drugs, dental, vision, disability, professional services that entail psychotherapist, psychologist and chiropractor, and critical illness.

Emergency Medical Care

The Emergency Medical Care travel insurance plan from Alberta Blue Cross comes available in a single-trip or multi-trip option. Emergency medical care is available to you 24/7, and the coverage on this plan is up to $5 million. If the policyholder meets the requirements,the plan includes coverage for pre-existing medical conditions. The plan also includes hospital services, drug coverage, ambulatory services, medical evacuation, and medical treatment in Canada. 

Trip Cancellation or Interruption

Alberta Blue Cross offers Trip Cancellation and Interruption travel insurance. The single-trip coverage for this plan is equivalent to the cost of your trip, and the coverage for the multi-trip plan is up to $5,000. Trip interruption coverage is unlimited to ensure security during travel emergencies. Optional add-ons include pandemic coverage, should you have to cancel your trip due to a pandemic. 

Visitors to Canada Travel Insurance

Similar to other Alberta Blue Cross travel plans, visitors’ travel insurance comprehensive coverage for medical emergencies experienced while travelling. Blue Cross’s travel insurance for visitors to Canada is available in three denominations – $50,000, $100,000 and $150,000 – and each level includes the following benefits:

• Hospitalization coverage
• Prescription drug coverage
• Coverage for treatment from physicians
• Coverage for side trips taken outside of Canada
• Travel assistance available 24/7 in 140 different languages
• Coverage of up to $2,000 for emergency dental procedures
• Coverage of up to $1,000 for meals and lodging if a medical emergency delays your return trip
• Coverage of up to $300 per professional for paramedical treatment as prescribed by a physician
• Coverage for air ambulance or commercial flight transport to return to your country of origin with a medical escort

Top-Up Insurance

The Top-Up Insurance plan from Alberta Blue Cross allows you to extend the duration of your medical emergency insurance provided with them or another company. The coverage with this plan is $5 million. You’ll have access to 24/7 emergency medical service. Should policyholders meet the requirements, they will also be covered for pre-existing medical conditions. Included in this plan are hospital services, drug coverage, ambulatory service, medical evacuation, and medical follow-up in Canada. 

Blue Choice®

Blue Choice® is a health insurance plan from Alberta Blue Cross that is available for Canadians ages 64 or younger. This plan comes equipped with a drug coverage plan up to $10,000, up to $2,500 in dental coverage, up to $5,000 in extended health coverage, up to 30 days of travel coverage until the age of 70, term life coverage, accidental death and dismemberment. 

Blue Assured®

Blue Assured® from Alberta Blue Cross is available to Canadians of all ages. Drug coverage and dental coverage for this plan is up to $1,500, coverage for extended health benefits is up to $5,000, up to 30 days of travel coverage until the age of 65. The plan also comes with accidental death and dismemberment and final expenses. 

Retiree

Retiree is a health insurance plan from Alberta Blue Cross for Canadians between the ages of 50 and 75. Policyholders must be coming off a group plan in the past 60 days in order to qualify. Drug coverage with this plan is up to $3,000, dental coverage is up to $2,000, travel is up to 90 days until the age of 85. Death and dismemberment is included. Access your benefits 24/7 using the app or logging on online. 

Blue Cross Life® Insurance

Alberta Blue Cross offers a term life insurance to Canadians ages 75 and under. The terms are available at 10, 20 or 25 years, with coverage up to $4,000,000. A medical questionnaire is required, but you will get an instant quote, and the application process is done completely online in 15 minutes. There is an option to add a critical illness rider.

Group Insurance - Blue Chip®

Blue Chip® from Pacific Blue Cross is a group health insurance for small to medium sized businesses. There are six modules for employees to choose from, each module has a different premium, which distinguishes the allotted coverage received. All of the modules have a maximum coverage up to $5,000,000. The plan includes prescription drugs, health expenses, paramedical services, vision care, hearing aids, new parent boosts, orthotics and orthopedic shoes, respirator and oxygen, wheelchair and hospital bed, and travel. Riders include critical illness, disability and dental.

Group Insurance - Blue Plus®

Blue Plus® from Pacific Blue Cross is a health insurance plan for small to medium sized businesses. The plan is flexible, with certain benefits having no lifetime limits. The plan includes coverage for prescription drugs, hearing aids, orthotics, therapists and healthcare practitioners, accidental death and dismemberment, life insurance, ambulatory services, medical services and supplies, and more. The riders include orthodontics, critical illness and disability. 

Group Insurance - Employee Choice® 

Employee Choice® from Pacific Blue Cross is a group benefits plan for small to medium sized businesses with anywhere between 2-50 employees. The plan includes a wellness spending account which denotes how your employees choose to spend the dollars available to them for health and life insurance. Employees will get to choose how they get to spend the dollars, and on what benefits. Riders include life insurance, critical illness, and short-term and long-term disability. 

Business Select®

Business Select® from Pacific Blue Cross is a health insurance for small to medium sized businesses. 80% of eligible expenses are covered, up to $1,000 in a calendar year. After that, 100% of expenses are covered and paid for within that year. Your eligible expenses are capped at $100,000 per lifetime. 80% of eligible prescription drugs are covered, $75 for contact lenses is allotted per policyholder every 2 years. Policyholders get $25 per visit for registered therapists and health practitioners at a maximum of $500 per year. Also included in the plan is a hospital cash benefit, hospital accommodation, ambulatory services, private duty nursing, hearing aids, accidental death, life insurance, and more. 

Insurance for Large Businesses

Pacific Blue Cross offers health insurance for larger sized businesses. The plan is flexible and customizable to meet the needs of every diverse employee. The plan includes health and dental, health spending accounts, life insurance, spousal life insurance, dependent life insurance, accidental death and dismemberment and short term and long term disability. Also included is prescription drug coverage, hospital and nursing services, ambulatory services, vision care, dental care and more.

Term Life 

Pacific Blue Cross offers term life insurance available at 10, 20, or 25 years. Coverage with this plan is up to $10,000,000. Should you answer no to all of the medical questions, you will not need to undergo a medical exam. Term life insurance can be used to cover the costs of a mortgage, funeral costs, childcare, tuition, everyday life and more. 

Whole Life

Pacific Blue Cross offers whole life insurance, which is commonly recognized as permanent life insurance, offers an enduring coverage that extends throughout the policyholder's lifetime, with no expiration date as long as regular premiums are upheld. Upon the policyholder's passing, designated beneficiaries are entitled to receive a lump sum payment of the coverage amount, free from taxation.

The plan's key benefits encompass a coverage range of up to $500,000, with the specific amount contingent upon the individual's age. This insurance option caters to individuals within the age bracket of 18 to 85, ensuring a wide scope of eligibility. Moreover, the premiums for Whole Life Insurance remain consistent over the course of the policyholder's life, providing stability and predictability.

Additionally, depending on an individual's medical and lifestyle history, there exists the potential for securing coverage without the need for medical examinations. This feature underscores flexibility, making Whole Life Insurance a viable option for those seeking comprehensive coverage without extensive medical assessments.

Travel Medical

 Pacific Blue Cross provides emergency medical travel insurance with coverage up to $10,000,000 for British Columbians travelling outside of their province and is free of charge for children. The plan covers emergency medical expenses, repatriation costs, ambulance and taxi, pre-existing conditions coverage, medical follow-up in Canada, transportation to visit the covered person, and an allowance for subsistence. 

Trip Protection Insurance 

Trip Protection Insurance from Pacific Blue Cross protects the expenses on your trip that are typically non-refundable such as hotel accommodations, airfare, and vacation package. These costs are covered for reasons like the government advising no travelling to the region of your vacation, illness or hospitalization during your trip, jury duty, unexpected death in your family, loss of employment, adverse weather, and a new pregnancy that would cause the policyholder to travel in the 33rd week of their pregnancy. 

Visitors to Canada 

Pacific Blue Cross offers emergency medical travel insurance for travellers visiting British Columbia. The plan includes coverage for hospitalization, doctor fees, fees for a nurse, medical equipment, diagnostic services, prescription drugs, accidental dental care, ambulatory services, return of the deceased, return of vehicle, an allowance of subsistence, repatriation to your residence. Coverage takes effect on the day of travel and can also be purchased within 30 days of arrival and will begin 72 hours after purchase. 

Core Health Plan

Pacific Blue Cross offers a Core Health Plan with buildable add-on plans. The Core Health Plan is for residents of British Columbia and Yukon. Benefits of the Core Health Plan includes coverage for vision care, registered therapist and health practitioners, hospital stay, a hospital cash benefit, private local ambulance, nurse care, out-of-province travel that is in Canada, medical equipment, accidental death, a final expenses benefit and a survivor benefit. 

Prescription Drugs

Pacific Blue Cross offers a prescription drug plan that can be added on to the Core Health Plan for residents of BC and Yukon. The plan options for drug coverage are essential and enhanced. 80% of eligible drugs are covered with the essential plan. With the enhanced plan 80% of eligible drugs are covered, plus drugs that are not eligible under the government health plan, are covered with the Enhanced Plan. The Enhanced Plan covers contraceptive drugs. Drug claims are not necessary with the Essential Plan, as a drug card is issued to you, and you only pay 20% of the cost of drugs at the pharmacy. 

Dental Only

Pacific Blue Cross offers a dental only plan that is for residents of BC and Yukon. This option is available as both an exclusive dental only plan; or as an add-on rider to be added to the Core Health Plan, making visiting the dentist more affordable and attainable. The stand-alone dental plan includes diagnostic procedures, x-rays, preventative therapy, restorative procedures, scaling and root planing, prosthetic repair, and routine extractions. The add-on dental plan comes in the Essential or Enhanced options. The Essential includes diagnostic treatment, preventative and restorative treatments, periodontal cleaning, prosthodontic services, and oral surgery. The Enhanced covers everything included in the Essential Plan, plus endodontics and major restorative services.  

Group Conversion

Pacific Blue Cross offers a Group Conversion health plan for policyholders who are ending their previous group insurance within the last 60 days. The previous plan does not have to be with Blue Cross, just a major Canadian insurance company will do. With Group Conversion, 80% of your expenses are covered, with a $250,000 lifetime maximum. No medical questionnaire is required. This is an individual plan that replaces your previous group insurance. Pre-existing medical conditions are also accepted with this plan. If you don’t have a pre-existing medical condition, it is recommended that you opt for the Personal Health & Dental Plan. The Group Conversion Plan includes all the benefits of the Core Health Plan, plus you’ll be able to add riders for dental or prescription drugs, if needed. 

Guaranteed Acceptance

Guaranteed Acceptance health insurance from Pacific Blue Cross covers everyone, regardless of medical history and there is no medical questionnaire required. There are four tiers in the plan to choose from - Essential, Bronze, Silver and Gold. All plans come with 80% coverage for prescription drugs. You get to choose which tier is best suited for you. Some of the benefits include prescription drugs, vision, dental, hearing aids, medical equipment and mental wellness services. The coverage you receive is contingent on the premium that you choose to pay.

Retirement

Pacific Blue Cross offers a health insurance plan for retirees. This plan is for individuals aged 50 or more, for those ending a previous group health insurance plan within 60 days of its ending, and for retirees. The retiree plan is customizable, where the policyholder has the option to choose from four tiers of coverage and benefits provided. The tiers are essential, bronze, silver and gold. Some of the benefits included are vision care, registered therapists, medical equipment, dental and prescription drugs.

3-9 Employees

Manitoba Blue Cross offers health insurance for small businesses in Manitoba and Nunavut with 3-9 employees. The plan is customizable with core benefits and optional benefits. The core benefits include prescription drugs, extended health benefits, survivor benefit, basic dental coverage, ambulance and hospital, eye exams, life insurance, accidental death and dismemberment. Some of the optional add-ons include travel health insurance, orthodontics, critical illness, major dental services and more. 

10+ Employees

Manitoba Blue Cross offers health insurance to larger businesses in Manitoba and Nunavut with 10 or more employees. This plan is very customizable with core benefits and optional add-ons. The core benefits consist of life insurance and disability insurance. The  optional add-ons include ambulance and hospital, dental care, extended health care, vision care, group travel health coverage, prescription drugs and more. 

Employee Assistance Program

Manitoba Blue Cross has an Employee Assistance Program to provide employees with access to counselling and mental health services. The benefit of this program provides an overall healthier workplace which increases productivity and reduces absenteeism and health insurance claims. The services of the Employee Assistance Program includes counselling and integrated work-life services, wellness services, addictions management, psychiatric consultation, and organizational assistance.

Disability Management Program

Manitoba Blue Cross offers a Disability Management Program for employees. The program is designed to assist employees who become injured or ill and need to supplement their income. A replacement income is provided for short-term or long-term disability due to accident, injury or illness. A long-term disability top-up is also available if the employee has a neurological or physical impairment due to the disability. 

Organizational Assistance Program

Manitoba Blue Cross offers a unique Organizational Assistance Program to help manage the overall well-being of the work environment. Benefits of the program include assistance for recognizing and managing mental health, bullying, workplace conflict, team building, anger, and more. There are also coping mechanisms for addictions, trauma and crisis, grief and loss in the workplace, conflict resolution and mediation.

Deluxe Travel Health

Manitoba Blue Cross offers emergency travel medical insurance to the residents of Manitoba who are travelling outside of Canada. Policyholders are covered up to $5,000,000 per claim, and at a lifetime maximum as well. Some of the plan’s benefits include ambulatory services, hospital coverage, emergency evacuation, accidental dental coverage, prescription drugs, hospital allowance, and medical evacuation to Canada.  

Deluxe Travel Health with Coronavirus Coverage

Manitoba Blue Cross offers emergency travel medical insurance with coronavirus coverage for residents of Manitoba who are travelling outside of Canada. The Deluxe Travel Health with Coronavirus Coverage with Coronavirus Coverage includes everything that is covered in the Deluxe Travel Health insurance, plus extensive coverage for Coronavirus. The coverage includes ambulatory and hospital coverage, hospital allowance, prescription drugs, emergency evacuation, accidental dental coverage, and medical evacuation to Canada. The plan also includes Coronavirus testing and transportation, quarantine, and  trip interruption due to Coronavirus. 

Annual Travel Plan

Manitoba Blue Cross has an emergency travel health insurance plan designed for frequent flyers. The Annual Travel Plan is for residents of Manitoba travelling outside of the country. The plan is effective to cover trips that are 32 days in duration, or shorter. Some of the plan’s benefits include ambulatory and hospital coverage, medical and surgical coverage, emergency evacuation, emergency accidental dental coverage, prescription drugs, physiotherapy and chiropractor, hospital allowance, medical evacuation to Canada, and international travel assistance. 

Annual Travel Plan with Coronavirus Coverage

Manitoba Blue Cross offers emergency travel medical insurance to the residents of Manitoba that includes extensive coverage for Coronavirus. Annual Travel Plan with Coronavirus Coverage includes everything that Annual Travel Plan includes, plus coverage for Coronavirus. Some benefits of the plan include ambulance and hospital coverage, accidental dental coverage, prescription drugs, physiotherapy, chiropractor and more. The plan also covers costs for Coronavirus such as trip interruption due to Coronavirus, quarantine, testing and transportation for Coronavirus. 

Holiday Cancellation

Manitoba Blue Cross offers Holiday Cancellation insurance in case you need to cancel your vacation or end your trip early, or for missed connections. Holiday cancellation includes coverage for the non-refundable portion of your trip such as airfare and accommodations, one-way economy airfare ticket home, economy airfare to destination in case of missed connection, reimbursement of unused portion of travel cost due to delays. 

Airfare Cancellation

Manitoba Blue Cross has Airfare Cancellation insurance to help you protect the most expensive portion of your trip. Benefits of the Airfare Cancellation insurance include reimbursement for the non-refundable portion of your prepaid airfare, one-way economy class ticket home, one-way economy class ticket to destination, loss-of-life $7,500 transportation of deceased, up to $25 to change a reservation and coverage for travel advice. 

Tour Package

The Tour Package from Manitoba Blue Cross is extensive emergency medical travel insurance that includes extensive coverage for everything in your trip. Benefits for this plan includes hospital and ambulance coverage, accidental dental care, prescription drugs, physiotherapy and chiropractic services, international travel assistance, an airfare cancellation benefit that reimburses the non-refundable portion of your airplane ticket, reimbursement of non-refundable portion of accommodations lost baggage coverage and more.

Plan A 

Manitoba Blue Cross’s Health Plan A includes prescription drugs with coverage up to $300 a year, practitioner services with coverage up to $300 a year, other health benefits such as  accidental dental, braces and orthotics. Preventative dental care is included with coverage up to $300 per year. Also included is ambulance service, virtual health services, and accidental death up to $10,000. 

Plan B 

Manitoba Blue Cross’s Health Plan B includes prescription drugs with coverage up to $2,500 a year, practitioner services with coverage up to $450 a year, hearing aids with coverage up to $500 for 5 years, medical equipment, other health benefits such as  accidental dental, braces and orthotics. Preventative dental care is included with coverage up to $1,000 per year, restorative dental is also included. Also included is ambulance service, virtual health services, semi-private rooms in hospital, hostel care, and accidental death up to $15,000. Vision care includes $150 in coverage every 2 years. Travel inside of Canada is included as well as travel assistance, and a 10% discount for travel outside of Canada. 

Plan C 

Manitoba Blue Cross’s Health Plan C includes prescription drugs with coverage up to $5,000 a year, practitioner services with coverage up to $600 a year, other health benefits such as accidental dental, braces and orthotics. Hearing aids come with coverage for $700 every 5 years.  Preventative dental care is included with coverage up to $1,200 per year, and restorative dental care is included in addition to orthodontics. Also included is ambulance service, semi-private hospital room, hostel care, virtual health services, and accidental death up to $25,000. Vision care includes $250 in coverage every 2 years. Travel inside of Canada is included as well as travel assistance, and a 10% discount for travel outside of Canada.

Complete Health 

Ontario Blue Cross has a Complete Health insurance plan to meet everyone’s needs. The Complete Health insurance plan is available in three tiers, Entry, Essential and Enhanced. Health coverage and dental coverage for the Complete Health Entry is 60%. The health and dental coverage for Complete Health Essential is 70%. And for Complete Health Enhanced, the health and dental coverage is 80%. 

Guaranteed Acceptance 

Medavie Blue Cross offers a Guaranteed Acceptance health insurance that requires no medical questionnaire and pre-existing conditions qualify as well. The plan comes with 70% coverage for health and dental expenses. Benefits of the plan include drug coverage, dental, accidental death and dismemberment, massage therapist, physiotherapist, psychologist, chiropractor, osteopath, podiatrist/chiropodist, speech therapist, ambulatory service, travel insurance and more. 

Medavie Blue Cross Travel Insurance 

Medavie Blue Cross has an emergency travel health insurance plan designed for frequent flyers. The Annual Travel Plan is for The Maritimes residents travelling outside of the country. The plan is effective to cover trips that are up to 180 days in duration, or shorter. Some of the plan’s benefits include ambulatory and hospital coverage, medical and surgical coverage, emergency evacuation, emergency accidental dental coverage, prescription drugs, physiotherapy and chiropractor, hospital allowance, medical evacuation to Canada, and international travel assistance. The Annual Plan comes available in three tiers; Annual Medical, Non-Medical Annual, and All-Inclusive Annual. The Annual Medical Plan includes emergency medical care, the Non-Medical Annual plan includes trip cancellation or interruption, accidental death or dismemberment, and baggage. And the All-Inclusive Annual includes medical care, trip cancellation or interruption, accidental death and dismemberment, and baggage. 

Medavie Blue Cross Life Insurance 

Medavie Blue Cross offers term life insurance available at 10, 20, or 25 years. Coverage with this plan is up to $10,000,000. Should you answer no to all of the medical questions, you will not need to undergo a medical exam. Term life insurance can be used to cover the costs of a mortgage, funeral costs, childcare, tuition, everyday life and more.

Snowbirds 

Blue Cross’s travel insurance products feature various useful benefits to help you cover the costs of hospital stays and other emergency medical expenses while you are out of the country.

Your snowbird travel insurance policy includes:

• Coverage for hospitalization fees
• 24-hour travel worldwide assistance
• Coverage for some pre-existing medical conditions
• Coverage for breaks in your trip to return to Canada
• Coverage of up to $2,000 for emergency dental procedures
• Optional deductibles on your emergency medical care expenses
• Coverage of up to $5 million per trip for emergency medical care
• Direct access to worldwide travel assistance through Blue Cross’s partners
• Trip cancellation benefits that provide coverage for non-refundable travel costs
• Coverage of up to $5,000 for a professional driver to return your vehicle to Canada
• Coverage of up to $3,000 for meals and accommodations costs if your treatment delays your return

Families 

The coverage provided by Blue Cross’s travel insurance helps you and your family offset out-of-pocket emergency medical costs while travelling abroad.

Regardless of which plan you purchase, you will receive:

• Coverage for hospital fees
• Round-the-clock travel assistance available worldwide
• Optional deductibles for emergency medical expenses
• Up to $2,000 of coverage for emergency dental procedures
• Up to $5 million of coverage for emergency medical care per trip
• Access to worldwide assistance via Blue Cross’s network of partners
• Trip cancellation benefits that provide coverage for non-refundable travel costs
• Return of family members included in your plan to your country or province of origin
• Coverage for fees incurred by treatment from medical and paramedical professionals
• Coverage for your family, regardless of whether you are travelling separately or together
• Up to $3,000 of coverage for lodging and meal costs if a medical emergency delays your return
• Emergency medical transport via air ambulance or commercial flight accompanied by a medical escort

Students Studying Abroad

Blue Cross provides a number of options to choose from. You can decide to opt for the annual 31 or 60-day plan and you can even go for the single trip plan. The former is most appropriate for you if you could return home once in a month, while the latter is adequate if it may take you more than 6 months to return home.

Blue Cross provides an exceptional travel insurance plan for students who wish to travel outside Canada. The plan is flexible and affordable. You can easily get a quote on the Blue Cross insurance plan online and the application process is easy. Blue Cross provides 24/7 emergency travel assistance that can be leveraged any day, anytime and anywhere in the world. An annual 31-day or 60-day plan will be best for you if you return home once a month and a single trip plan may be the best option for you if you will stay away for more than 6 months. The insurance plan has four coverage options namely, medical only, annual medical, package plus, and annual package plus. The four coverage options cover emergency medical care and medical follow-up in Canada. Package plus and annual package plus covers trip cancellation, trip interruption and baggage. All the plan options include $5,000,000 for emergency medical care for each trip, about $2,000 for emergency dental treatment in the event of an accident, $3,000 for accommodation and meals in case your return is delayed due to a medical condition and so forth.

Single Trip Travel 

Ontario Blue Cross offers Single Trip Travel insurance in three available options; Medical Only, Package Plus, and Package Plus in Canada. Medical only includes emergency medical care. Package Plus, and Package Plus in Canada includes emergency medical care, trip cancellation, trip interruption, and baggage coverage. All of the plans include $5,000,000 in emergency medical trip coverage, hospital coverage, coverage for physicians, nurses and other health care professionals. Coverage for accidental dental care is up to $2,000. Emergency repatriation is included too and that includes a medical follow-up in Canada. 

Short Stay Frequent Travellers 

Ontario Blue Cross has emergency medical travel plans for short-stay frequent travellers. Plan options are available for 4 or 8 days. Trip cancellation coverage for 4 day trips is $1,500, and for 8 day trips, the coverage amount is $2,500. These plans can be purchased just with medical care, or at an all-inclusive package. The all-inclusive package comes equipped with emergency medical care, trip cancellation, trip interruption, and baggage coverage. The plans come with $5,000,000 in emergency medical travel coverage. Also included with these plans are hospital coverage, coverage for physicians, nurses and other health care professionals. Coverage for accidental dental care is up to $2,000. Emergency repatriation is included too and that includes a medical follow-up in Canada. 

Canadians Travelling in Canada

Ontario Blue Cross has a travel insurance plan to accommodate Ontarians travelling outside the province, since OHIP only covers doctor and hospital services in the rest of Canada. To get the coverage you need travelling outside of Ontario, it is recommended that you obtain supplementary insurance. Canadians Travelling in Canada insurance includes coverage for ambulatory services, emergency medical expenses, trip interruption, lost or stolen baggage and more. 

Frequent Travellers 

Ontario Blue Cross offers Frequent Travellers insurance for those that travel quite often. Frequent Travellers insurance is an annual insurance plan that encompasses all your travel emergency needs. The plan is available in an Annual Medical package, or Annual Medical Package Plus. The Annual Medical package comes with the essentials for emergency travel medical insurance. The Annual Medical Package Plus is more extensive and includes coverage for emergency medical care, trip cancellation, trip interruption, and baggage coverage. 

Visitors and Recent Immigrant  

Visitors and Recent Immigrant from Ontario Blue Cross is an accommodating insurance for visitors to Canada. The insurance plan is suitable for foreign students, visa workers, new immigrants, travellers, or Canadians returning to Canada. The coverage for this plan is available at $50,000, $100,000, or $150,000. The plan’s benefits include coverage for doctor visits, prescription drugs, and hospitalization. Up to $2,000 for accidental dental treatment is included.  Also included is emergency repatriation coverage and physiotherapy and chiropractic services if prescribed by a doctor. 

Global Affairs Canada Employees 

Ontario Blue Cross along with Global Affairs Canada offers travel insurance to the employees and families of Global Affairs Canada. The insurance plan is an annual plan that is good for trips that are up to 30 days. The benefits coverage includes emergency transportation for repatriation, a subsistence allowance, 24/7 travel insurance and more. The annual premium for an individual is $125, and the annual premium for a family is $250. 

Complete Health

Ontario Blue Cross has a Complete Health insurance plan to meet everyone’s needs. The Complete Health insurance plan is available in three tiers, Entry, Essential and Enhanced. Health coverage and dental coverage for the Complete Health Entry is 60%. The health and dental coverage for Complete Health Essential is 70%. And for Complete Health Enhanced, the health and dental coverage is 80%. 

Guaranteed Acceptance

Ontario Blue Cross offers a Guaranteed Acceptance health insurance that requires no medical questionnaire and pre-existing conditions qualify as well. The plan comes with 70% coverage for health and dental expenses. Benefits of the plan include drug coverage, dental, accidental death and dismemberment, massage therapist, physiotherapist, psychologist, chiropractor, osteopath, podiatrist/chiropodist, speech therapist, ambulatory service, travel insurance and more. 

Assured Access

Assured Access from Ontario Blue Cross is a health care insurance plan that evolves with you. The plan is suitable for anyone retiring, changing careers, or their previous group benefits are ending. Assured Access comes equipped with inConfidence which is a 24/7 supportive counseling program. Also included in the plan is a cash benefit up to $10,000 in the event that your dependent suffers an accident. The plan also waives waiting periods for hospitals, hearing aids and vision care. 

Blue Choice Plan

Saskatchewan Blue Cross has an affordable and comprehensive health insurance plan for individuals or families. The Blue Choice plan comes with a basic plan that is customizable. Benefits of the Blue Choice health plan include coverage for accidental death and dismemberment, ambulance, diabetic equipment, vision care, ostomy supplies, medical equipment, medical supplies, funeral expenses and more. Customizable options include dental care and prescription drugs. 

Conversion 

Saskatchewan Blue Cross has a Conversion health care plan for individuals leaving their workplace benefits plan within 60 days of it ending. There is no waiting period or medical questionnaire required if you convert your plan within 60 days. The Basic plan comes with the core benefits and they are customizable. Benefits of the Conversion health plan include coverage for accidental death and dismemberment, ambulance, diabetic equipment, vision care, ostomy supplies, medical equipment, medical supplies, funeral expenses and more. Customizable options include dental care and prescription drugs. 

Annual Plan

Saskatchewan Blue Cross has an emergency travel health insurance plan designed for frequent flyers. The Annual Travel Plan is for residents of Saskatchewan travelling outside of the country. The plan is effective to cover trips that are up to 180 days in duration, or shorter. Some of the plan’s benefits include ambulatory and hospital coverage, medical and surgical coverage, emergency evacuation, emergency accidental dental coverage, prescription drugs, physiotherapy and chiropractor, hospital allowance, medical evacuation to Canada, and international travel assistance. The Annual Plan comes available in three tiers; Annual Medical, Non-Medical Annual, and All-Inclusive Annual. The Annual Medical Plan includes emergency medical care, the Non-Medical Annual plan includes trip cancellation or interruption, accidental death or dismemberment, and baggage. And the All-Inclusive Annual includes medical care, trip cancellation or interruption, accidental death and dismemberment, and baggage. 

Individual Plan 

Saskatchewan Blue Cross offers Individual Travel Plans to the residents of Saskatchewan. The Individual Plan is customizable to suit your travel needs. Rates are discounted if travelling within Canada. Available customizable coverage includes emergency medical care, trip cancellation or interruption, accidental death or dismemberment, and baggage. The individual plan includes coverage for hospital, ambulance, doctor visits, physiotherapist, chiropractor, private-duty nursing, prescription drugs (as emergency while travelling), and more. 

Package Plus 

Saskatchewan Blue Cross has a Package Plan health insurance so that you can bundle and customize the benefits that best suit you. The plan comes equipped with $5,000,000 in a maximum combined coverage for the benefits included. The benefits included in the plan are hospitalization, doctor visits, private-duty nursing, physiotherapy, chiropractor, osteopath, podiatrist/chiropodist, tests and diagnostics, prescription drugs (as emergency at destination), emergency dental, medical devices, and more. The Package Plus comes available in three tiers; Medical Package, Non-Medical Package, and All-Inclusive Package. The Medical Package includes emergency medical care, the Non-Medical Package plan includes trip cancellation or interruption, accidental death or dismemberment, and baggage. And the All-Inclusive Package includes medical care, trip cancellation or interruption, accidental death and dismemberment, and baggage. 

Canada Package

Saskatchewan Blue Cross has a Canada Package that is designed for travel within Canada. Available packages are Medical in Canada Package which includes emergency medical care, accidental death or dismemberment, and baggage coverage. And the All-Inclusive Package which includes coverage for emergency medical care, trip cancellation, trip interruption, accidental death and dismemberment, and baggage coverage. The plans also include coverage for hospital, doctor visits, private-duty nursing, prescription drugs as emergency on the trip, and more. 

VIP Travel

Saskatchewan Blue Cross has an extensive all-encompassing VIP Travel package that is exclusively for its Personal Health Plan members. This is an annual plan, where members can take as many trips as they like, to any destination for up to 30 days per trip. Baggage coverage and trip interruption is included in the coverage. $5,000,000 in health coverage is included in this plan, with travel assistance available 24/7. 

Visitors to Canada

Visitors to Canada from Saskatchewan Blue Cross is an accommodating insurance for visitors to Canada. The insurance plan is suitable for foreign students, visa workers, new immigrants, travellers, or Canadians returning to Canada. The coverage for this plan is available at $50,000, $100,000, or $150,000. The plan’s benefits include coverage for doctor visits, prescription drugs, and hospitalization. Up to $2,000 for accidental dental treatment is included.  Also included is emergency repatriation coverage and physiotherapy and chiropractic services if prescribed by a doctor. 

Snowbirds 

Blue Cross’s travel insurance products feature various useful benefits to help you cover the costs of hospital stays and other emergency medical expenses while you are out of the country.

Your snowbird travel insurance policy includes:

• Coverage for hospitalization fees
• 24-hour travel worldwide assistance
• Coverage for some pre-existing medical conditions
• Coverage for breaks in your trip to return to Canada
• Coverage of up to $2,000 for emergency dental procedures
• Optional deductibles on your emergency medical care expenses
• Coverage of up to $5 million per trip for emergency medical care
• Direct access to worldwide travel assistance through Blue Cross’s partners
• Trip cancellation benefits that provide coverage for non-refundable travel costs
• Coverage of up to $5,000 for a professional driver to return your vehicle to Canada
• Coverage of up to $3,000 for meals and accommodations costs if your treatment delays your return

Families 

The coverage provided by Blue Cross’s travel insurance helps you and your family offset out-of-pocket emergency medical costs while travelling abroad.

Regardless of which plan you purchase, you will receive:

• Coverage for hospital fees
• Round-the-clock travel assistance available worldwide
• Optional deductibles for emergency medical expenses
• Up to $2,000 of coverage for emergency dental procedures
• Up to $5 million of coverage for emergency medical care per trip
• Access to worldwide assistance via Blue Cross’s network of partners
• Trip cancellation benefits that provide coverage for non-refundable travel costs
• Return of family members included in your plan to your country or province of origin
• Coverage for fees incurred by treatment from medical and paramedical professionals
• Coverage for your family, regardless of whether you are travelling separately or together
• Up to $3,000 of coverage for lodging and meal costs if a medical emergency delays your return
• Emergency medical transport via air ambulance or commercial flight accompanied by a medical escort

Students Studying Abroad 

Blue Cross provides a number of options to choose from. You can decide to opt for the annual 31 or 60-day plan and you can even go for the single trip plan. The former is most appropriate for you if you could return home once in a month, while the latter is adequate if it may take you more than 6 months to return home.

Blue Cross provides an exceptional travel insurance plan for students who wish to travel outside Canada. The plan is flexible and affordable. You can easily get a quote on the Blue Cross insurance plan online and the application process is easy. Blue Cross provides 24/7 emergency travel assistance that can be leveraged any day, anytime and anywhere in the world. An annual 31-day or 60-day plan will be best for you if you return home once a month and a single trip plan may be the best option for you if you will stay away for more than 6 months. The insurance plan has four coverage options namely, medical only, annual medical, package plus, and annual package plus. The four coverage options cover emergency medical care and medical follow-up in Canada. Package plus and annual package plus cover trip cancellation, trip interruption and baggage. All the plan options include $5,000,000 for emergency medical care for each trip, about $2,000 for emergency dental treatment in the event of an accident, $3,000 for accommodation and meals in case your return is delayed due to a medical condition and so forth.

Single Trip Travel 

Quebec Blue Cross offers Single Trip Travel insurance in three available options; Medical Only, Package Plus, and Package Plus in Canada. Medical only includes emergency medical care. Package Plus, and Package Plus in Canada includes emergency medical care, trip cancellation, trip interruption, and baggage coverage. All of the plans include $5,000,000 in emergency medical trip coverage, hospital coverage, coverage for physicians, nurses and other health care professionals. Coverage for accidental dental care is up to $2,000. Emergency repatriation is included too and that includes a medical follow-up in Canada. 

Short-Stay Frequent Travellers 

Quebec Blue Cross has emergency medical travel plans for short-stay frequent travellers. Plan options are available for 4 or 8 days. Trip cancellation coverage for 4 day trips is $1,500, and for 8 day trips, the coverage amount is $2,500. These plans can be purchased just with medical care, or at an all-inclusive package. The all-inclusive package comes equipped with emergency medical care, trip cancellation, trip interruption, and baggage coverage. The plans come with $5,000,000 in emergency medical travel coverage. Also included with these plans are hospital coverage, coverage for physicians, nurses and other health care professionals. Coverage for accidental dental care is up to $2,000. Emergency repatriation is included too and that includes a medical follow-up in Canada. 

Canadians Travelling in Canada 

Quebec Blue Cross has a travel insurance plan to accommodate Quebecois travelling outside the province, since the provincial health care plan only covers doctor and hospital services in the rest of Canada. To get the coverage you need travelling outside of Quebec, it is recommended that you obtain supplementary insurance. Canadians Travelling in Canada insurance includes coverage for ambulatory services, emergency medical expenses, trip interruption, lost or stolen baggage and more. 

Frequent Travellers 

Quebec Blue Cross offers Frequent Travellers insurance for those that travel quite often. Frequent Travellers insurance is an annual insurance plan that encompasses all your travel emergency needs. The plan is available in an Annual Medical package, or Annual Medical Package Plus. The Annual Medical package comes with the essentials for emergency travel medical insurance. The Annual Medical Package Plus is more extensive and includes coverage for emergency medical care, trip cancellation, trip interruption, and baggage coverage. 

Visitors and Recent Immigrant 

Visitors and Recent Immigrant from Quebec Blue Cross is an accommodating insurance for visitors to Canada. The insurance plan is suitable for foreign students, visa workers, new immigrants, travellers, or Canadians returning to Canada. The coverage for this plan is available at $50,000, $100,000, or $150,000. The plan’s benefits include coverage for doctor visits, prescription drugs, and hospitalization. Up to $2,000 for accidental dental treatment is included.  Also included is emergency repatriation coverage and physiotherapy and chiropractic services if prescribed by a doctor. 

Blue Flex

Blue Flex from Quebec Blue Cross is a health insurance plan that is for individuals ages 59 or younger. The plan comes with ambulatory services, accidental dental care, private-duty nursing, vision care that includes eye exams, tests and diagnostics, semi-private room in hospital, hearing aids, Blue Advantage discounts, and more. This plan is available for small businesses with no minimum number of employees required, anyone without access to group benefits, retirees or those planning to retire, students and recent graduates, recent immigrants and self-employed individuals. 

Health Plus

Health Plus from Quebec Blue Cross is a health insurance plan that is for individuals ages 64 years old and younger. The plan comes with ambulatory services, accidental dental care, private-duty nursing, vision care that includes eye exams, tests and diagnostics, semi-private room in hospital, hearing aids, Blue Advantage discounts, and more. This plan is available for small businesses with no minimum number of employees required, anyone without access to group benefits, retirees or those planning to retire, students and recent graduates, recent immigrants and self-employed individuals.

AMI

AMI from Quebec Blue Cross is a health insurance plan that is for individuals ages 60 and older. The plan comes with ambulatory services, accidental dental care, private-duty nursing, vision care that includes eye exams, tests and diagnostics, private room in hospital, hearing aids, Blue Advantage discounts, and more. This plan is available for small businesses with no minimum number of employees required, anyone without access to group benefits, retirees or those planning to retire, students and recent graduates, recent immigrants and self-employed individuals.

Recent Immigrant 

Visitors and Recent Immigrants from Quebec Blue Cross is an accommodating insurance for visitors to Canada. The insurance plan is suitable for foreign students, visa workers, new immigrants, travellers, or Canadians returning to Canada. The coverage for this plan is available at $50,000, $100,000, or $150,000. The plan’s benefits include coverage for doctor visits, prescription drugs, and hospitalization. Up to $2,000 for accidental dental treatment is included.  Also included is emergency repatriation coverage and physiotherapy and chiropractic services if prescribed by a doctor.