Travel Insurance Coverage Details:

Single-Trip and Multi-Trip Annual Plans

Overview

Make a Saskatchewan Blue Cross Travel plan part of your plans for stress-free travel. Our Travel plans provide coverage for trips outside of Saskatchewan, whether you’re taking an international adventure or exploring Canada. The following coverage options are available under the Annual, Individual, Package Plus and Canada Package Plans.

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Hospitalization, medical and paramedical expenses

Emergency medical care includes a maximum of $5,000,000 coverage for the following:

Hospitalization

  • Hospitalization costs in a semi-private or private room

Physicians

  • The difference between the fees charged by a physician who treats you at your destination and the benefits allowed under government programs

Nurses

  • Fees for the private care of a licensed practical nurse (not your relative) during the period of hospitalization, when this care is medically required and prescribed by the physician treating you at your destination

Health professional services

  • The fees of the following legally authorized health professionals, when such care is medically required and approved by Blue Cross Travel Assistance, up to a maximum of $400 per profession per trip:
    • Physiotherapist
    • Chiropractor
    • Osteopath
    • Podiatrist or Chiropodist (combined)
  • Urgent dermatological care offered in an outpatient clinic is also covered up to a maximum of $400 per trip

Tests and diagnostics

  • The costs of laboratory tests and X-rays when they are prescribed by the physician treating you at your destination for diagnostic purposes

Prescribed medication as part of emergency treatment

  • The cost of purchasing medication prescribed by the physician treating you at your destination, except when required for the continued stabilization of a chronic medical condition

Medical devices

  • The cost of buying or renting crutches, canes or splints, the cost of renting wheelchairs, orthopaedic devices or other medical devices, when prescribed by the physician treating you at your destination

Incidental expenses

  • The expenses inherent in a hospitalization (telephone, television, parking, etc.), upon submission of supporting documents, up to $100 per day, maximum $500 per hospitalization

Emergency dental treatment

  • The fees of a dental surgeon for dental care required as a result of external trauma (not as a result of the voluntary introduction of food or an object into the mouth), only when there is damage to natural and healthy teeth or for reduction of fracture or dislocation of the jaw, up to $2,000,000 per accident per insured person. In all cases, the treatment must begin during the term of the contract and end within six months of the date of the accident. In addition, you must send us an X-ray, taken after the accident but before the treatment begins, demonstrating the suffered damage.
  • For all other emergency dental treatments, except root canal therapy, the fees of a dental surgeon up to $500 per trip per insured person

Transportation expenses

Ambulance or taxi service

  • Ground or air transportation costs to get you to the nearest suitable medical facility as well as transfer costs between hospitals when the physician treating you at your destination and Blue Cross Travel Assistance determine that available facilities are inadequate

Repatriation to your province of residence

  • When, because of an illness or accident, Blue Cross Travel Assistance approves your repatriation, the following expenses are covered:
    • Costs related to your medical repatriation – The costs related to a means of transportation deemed adequate by the insurer, so that you are repatriated to your province of residence to receive immediate medical care, after receiving authorization from the physician treating you at your destination.
    • Costs related to the repatriation of your travelling companion or an immediate family member – The costs for the simultaneous repatriation of your travelling companion or any immediate family member. who is also covered under this travel insurance policy. If this person cannot return to their point of departure by the means of transportation initially planned for the return.
    • Costs for an accompanying person – The costs of hiring an accompanying person for the return of children covered under this contract when necessary
    • Baggage return costs – Up to a maximum of $500 for excess costs related to the return of your baggage.
    • Pet return costs – Up to a maximum of $500 for the cost of returning your pet.

Transportation expenses to visit or identify the insured person

  • Some expenses are reimbursed if a family member or a friend not travelling with you must:
    • Get to the hospital where you are hospitalized for a period of at least three days (the need for this visit must be certified in writing by the physician treating you at your destination), or
    • Get to the destination, if necessary, for the purpose of identifying the remains of the insured person
  • The insurer agrees to reimburse the following expenses for the designated person:
    • The total roundtrip transportation costs in economy class
    • Up to $1,200 for:
      • Childcare, accommodation, and meals in a commercial establishment, up to a maximum of $300 per day
      • The cost for purchasing a Blue Cross travel insurance contract

Additional transportation expenses

  • Some additional transportation expenses are reimbursed when you or a travelling companion covered under this policy must postpone your/their return by public transportation due to:
    • A hospitalization not requiring repatriation, if this hospitalization must continue beyond your scheduled return date, or
    • A medical emergency not requiring repatriation, if this medical emergency is ongoing during the 48 hours preceding your scheduled return date and if Blue Cross Travel Assistance determines that you are unable to travel because of this medical emergency
  • The insurer agrees to reimburse one of the following costs, up to a maximum of $500 per trip per insured person:
    • Additional transportation costs caused by a date or schedule change of the initial return ticket, or
    • The purchase of a return ticket by the same means of public transportation, in economy class, allowing you to return to your province of residence once the medical emergency has ended, if it is established that the date of the initial return ticket cannot be changed

Expenses for the return or disposal of remains

  • In the event of death, the following expenses are covered up to $10,000:
    • The cost of preparing the remains and returning them to the point of departure in the province of residence, excluding the cost of the coffin, or
    • The cost of cremation or burial on site. excluding the cost of the urn, coffin, tombstone, and any other related products or services

Vehicle return expenses

  • The insurer agrees to reimburse up to $5,000 for the cost of returning your personal road vehicle to your residence or rental vehicle to the nearest appropriate rental agency when an illness or accident renders you incapable of:
    • Returning to your residence using the personal road vehicle you used to get to your destination, or
    • Returning the rented vehicle to the nearest rental agency.
  • In all cases, you must present a medical certificate issued by the physician treating you at your destination in the locality where your inability to use the vehicle is determined.

Subsistence allowance

Expenses for subsistence allowance

  • The insurer agrees to reimburse a maximum of $300 per day per insured person, up to $3,000, for the following expenses:
    • Accommodation costs in a commercial establishment
    • Meals
    • Essential phone calls
    • Taxi transportation
    • Childcare costs for dependent children who accompany you on the trip
  • These expenses will be reimbursed only when it has been determined by the insurer that you must postpone your return as a result of:
    • An illness or an accident that you experience, or
    • An illness or an accident that an immediate family member who is accompanying you experiences, or
    • An illness or an accident that a travelling companion experiences

Medical follow-up in Canada

Expenses for medical follow-up in Canada further to a repatriation

  • When you are repatriated at the insurer’s expense further to a hospitalization that occurred during a trip outside of your province of residence, we agree to reimburse the following expenses when incurred within 15 days of your repatriation:
    • Up to $1,000 for the cost of staying in a semi-private room in a hospital or a convalescent and physical rehabilitation centre
    • Up to $50 per day, maximum 10 days, for the fees of a licensed practical nurse or orderly from a specialized agency when care is required at your home
    • Up to $150 for the cost of renting the following medical equipment: crutches, standard walker, canes, trusses, orthopaedic corsets, and oxygen
    • Up to $250 for transportation (ambulance and taxi) costs incurred to receive care

Accidental Death or Dismemberment

  • Accidental Death or Dismemberment coverage insures you in the event of death or loss of use of one or more limbs as a result of an accident (including air or public transportation) that occurs during your trip
  • The coverage insures you in the event of accidental loss of life or of complete and definitive loss of use of one or more limbs or vision in one or both eyes
  • The loss must result directly from an accident sustained during the coverage period and it must occur within 12 months following the date of the accident
  • Depending on the loss sustained and the circumstances of the accident, the insurer will pay an amount up to $300,000

Trip Cancellation or Interruption

Coverage protects all your insured pre-paid and non0refundable travel expenses should any of the events on the list of inured risks affects you or your travel companion, requiring you to cancel, interrupt, extend, or modify the planned trip.

Trip Cancellation – before leaving on your trip:

  • When a covered event requires you to cancel your trip before you leave your primary residence

Trip Interruption – during your trip:

  • When a covered event occurs during your trip and requires you to change your itinerary or return to your departure point earlier or later than planned

Coverage Details

Benefits included in the coverage Cancellation
before leaving
on your trip		 Interruption
during your trip
Insured travel expenses ✓
New occupancy charges ✓
Unused portion of insured travel expenses ✓
Additional transportation expenses ✓
Subsistence allowance ✓
Vehicle return expenses ✓
Expenses for the return or final disposition of remains ✓

 

List of Insured Risks

Medical situation (illness, injury and quarantine)

  • Before leaving on your trip or during your trip, you or your travel companion has an illness or injury.
  • Before leaving on your trip or during your trip, a family member or your travel companion’s family member has an illness or injury.
  • Before leaving on your trip or during your trip, you or your travel companion is quarantined.
  • Before leaving on your trip or during your trip, an immediate family member or a travel companion’s immediate family member is quarantined.
  • Before leaving on your trip or during your trip, the host providing you with free accommodation at your destination for more than 70% of the total duration of your trip is hospitalized or quarantined and can no longer host you.
  • Before leaving on your trip or during your trip, you or your travel companion has an injury or illness preventing you from participating in a sporting event (excluding high-risk sports or activities) and that sporting event is the primary purpose of your trip.
  • Before leaving on your trip, you or your travel companion learns that new health-related entry requirements for a country or a region on your travel itinerary have been introduced after booking your trip and on the effective date of coverage.
    • Your medical condition or pregnancy prevents you from meeting these new requirements.

Death

  • Before leaving on your trip or during your trip, you, a family member, your travel companion or your travel companion’s family member dies.
  • During the 15 days prior to your departure date or during your trip, your friend or a friend of your travel companion dies.
  • Before leaving on your trip or during your trip, the host providing you with free accommodation at your destination for more than 70% of the total duration of your trip dies.

Primary residence and accommodation

  • During the 7 days prior to your departure date, you or your travel companion’s primary residence or commercial establishment is burglarized.

Before leaving on your trip or during your trip, a natural disaster or an unintentional event, independent and not the result of any act of negligence on your part or that of your travel companion:

  • Renders your or your travel companion’s primary residence uninhabitable, or
  • Renders the commercial establishment owned by you or your travel companion inoperative.

Before leaving on your trip or during your trip, a natural disaster or an unintentional event, independent and not the result of any act of negligence on your part or that of your travel companion renders the accommodation at your destination uninhabitable and occurs:

  • At the residence of the host providing you with free accommodation at your destination for more than 70% of the total duration of your trip, or
  • At the reserved accommodation at your destination where you are staying for at least 2 nights.

Transportation
During your trip, a flight schedule change causes you to miss your connection, the start of your land tour or the start of your organized trip, forcing you to change your itinerary, even though you or your travel companion have respected the carrier’s recommended times.

We cover:

  • An economy class ticket to interrupt your trip and return you to your departure point, as well as the unused portion of insured travel expenses, or
  • An economy class ticket to join your itinerary, as well as related subsistence allowance costs. In such situations, you are not eligible for a refund of the unused portion of your trip.

During your trip, a flight schedule change causes you to miss your cruise, while you or your travel companion have planned to arrive at the cruise departure point at least 24 hours in advance and have respected the carrier’s recommended times, which forces you to change your itinerary.

We cover:

  • An economy class ticket to interrupt your trip and return you to your departure point, as well as the unused portion of insured travel expenses, or
  • An economy class ticket to join the cruise at the next port, as well as related subsistence allowance costs. In such situations, you are not eligible for a refund of the unused portion of your trip.

During your trip, you or your travel companion have planned to arrive at least 3 hours in advance to attend an event that cannot be rescheduled, such as a wedding, funeral, graduation or commercial entertainment for which you have purchased tickets.

Due to delays in your scheduled public transportation, you will not arrive at the event venue within 3 hours of the start of the event. We will reimburse you for the additional economy class public transportation costs that you incur to reach your intended destination by taking an alternative route.

Before leaving on your trip, you or your travel companion must cancel your trip due to:

  • An unexpected strike.

During your trip, you or your travel companion misses your connection or is required to modify or interrupt your trip due to:

  • A mechanical failure causing a delay in the connecting public transportation, or
  • An emergency-related police roadblock, or
  • A traffic accident directly involving the vehicle you are using to get to your destination, whether you are a passenger or driver of that vehicle, or
  • A delay in public transportation as a result of adverse weather conditions (including road closures due to poor weather), an earthquake, or a volcanic eruption, or
  • An unexpected strike.

Pregnancy and adoption

  • Before leaving on your trip or during your trip, you or your travel companion develops complications within the first 31 weeks of pregnancy.
  • Before leaving on your trip or during your trip, your spouse or your travel companion’s spouse develops complications within the first 31 weeks of pregnancy.
  • Before leaving on your trip or during your trip, you, your spouse, your travel companion or your travel companion’s spouse legally adopts a child, and the date of the adoption takes place during the trip, provided that the adoption notice was received after the effective date of coverage.

Work and education

  • Before leaving on your trip or during your trip, you, your spouse, your travel companion or your travel companion’s spouse is transferred at their employer’s request and must relocate their primary residence.
  • Before leaving on your trip or during your trip, you, your spouse, your travel companion or your travel companion’s spouse loses permanent employment that they have held for at least 1 year due to a layoff or dismissal without just cause, provided that they were not aware of this loss of employment on the effective date of coverage.
  • Before leaving on your trip or during your trip, a business meeting, conference or convention that was scheduled before the effective date of coverage and was the main purpose of your trip, is cancelled due to unexpected circumstances beyond your or your employer’s control.
    • This event must bring together companies with no ownership link, and in the case of a conference or congress, you must be a registered delegate.
    • We will reimburse expenses not covered by your employer.
  • Before leaving on your trip or during your trip, an unexpected date change occurs for an exam related to a professional training program or a university or college course that you or your travel companion is taking; the exam cannot be rescheduled and will occur during your travel dates.
  • Before leaving on your trip or during your trip, you, your spouse, your travel companion or your travel companion’s spouse is called to serve as a member of the military, a police corps, a firefighting brigade or emergency medical services.

Law and government

  • Before leaving on your trip, you or your travel companion fails to obtain the mandatory visa to enter the chosen destination country, while you meet all the eligibility criteria and the application was not previously refused or submitted late.
  • During your trip, you or your travel companion is unable to continue the trip or return to your country of residence as planned due to the theft or loss of your passport or visa.
  •  Before leaving on your trip, your passport or your travel companion’s passport is not issued within the processing time confirmed in writing by Passport Canada.
  • Before leaving on your trip, a Canadian government travel advisory is issued by the Government of Canada informing Canadian residents to “avoid all non-essential travel” or “avoid all travel” to a country or region that is included in your planned trip and advising against visiting certain destinations. This advisory is still in effect 7 days prior to your trip’s scheduled departure date.
    • During your trip, a new Canadian government travel advisory is issued by the Government of Canada informing Canadian residents to “avoid all non-essential travel” or “avoid all travel” to a country or region that is a destination or stopover on your trip.
  • Before leaving on your trip or during your trip, you, your spouse, your travel companion or your travel companion’s spouse is called to jury duty, subpoenaed to be a witness or required to appear as a defendant in a civil suit.

Pets & Service dogs

  • During the 15 days prior to your departure date, you or your travel companion learns that your cat or dog requires emergency surgery or dies.
  • During your trip, you or your travel companion learns that your cat or dog, who is not travelling with you, needs to undergo urgent surgery.
  • Before leaving on your trip or during your trip, you or your travel companion learns that the service dog you need for independent living, due to a mental or physical disability, has been injured, fallen ill, or died.

Weather conditions

Before leaving on your trip, you or your travel companion must cancel your trip due to a public transportation delay that will result in the loss of at least 30% of the total duration of the trip.
This delay must be caused by one of the following events:

  • Adverse weather conditions (including road closures due to poor weather), or
  • An earthquake, or
  • A volcanic eruption.

Travel provider default
Before leaving on your trip or during your trip, the travel provider to which you have made payments for travel expenses is declared in default and as a result, you or your travel companion:

  • Will not receive part or all of the travel services you have purchased, and
  • Is unable to recover the entire cost of the undelivered travel services, either from the travel provider or from any federal, provincial or other compensation fund.

Trip Interruption

Coverage applies if one of the events on the list of insured rusks affect you or your travel companion requiring you to modify, extend, or interrupt your planned trip.

Trip Interruption – during your trip:

  • When a covered event occurs during your trip and requires you to change your itinerary or return to your departure point earlier or later than planned

 

Coverage Details

Benefits included in the coverage Interruption
during your trip
Additional transportation expenses ✓
Subsistence allowance ✓
Vehicle return expenses ✓
Expenses for the return or final disposition of remains ✓
List of Insured Risks

Medical situation (illness, injury and quarantine)

  • During your trip, you or your travel companion has an illness or injury.
  • During your trip, a family member or your travel companion’s family member has an illness or injury.
  • During your trip, you or your travel companion is quarantined.
  • During your trip, an immediate family member or a travel companion’s immediate family member is quarantined.
  • During your trip, the host providing you with free accommodation at your destination for more than 70% of the total duration of your trip is hospitalized or quarantined and can no longer host you.
  • During your trip, you or your travel companion has an injury or illness preventing you from participating in a sporting event (excluding high-risk sports or activities) and that sporting event is the primary purpose of your trip.

Death

  • During your trip, you, a family member, your travel companion, or your travel companion’s family member dies.
  • During your trip, your friend or a friend of your travel companion dies.
  • During your trip, the host providing you with free accommodation at your destination for more than 70% of the total duration of your trip dies.

Primary residence and accommodation

During your trip, a natural disaster or an unintentional event, independent and not the result of any act of negligence on your part or that of your travel companion:

  • Renders your or your travel companion’s primary residence uninhabitable, or
  • Renders the commercial establishment owned by you or your travel companion inoperative.

During your trip, a natural disaster or an unintentional event, independent and not the result of any act of negligence on your part or that of your travel companion, renders the accommodation at your destination uninhabitable and occurs:

  • At the residence of the host providing you with free accommodation at your destination for more than 70% of the total duration of your trip, or
  • At the reserved accommodation at your destination where you are staying for at least 2 nights.

Transportation

During your trip, a flight schedule change causes you to miss your connection, the start of your land tour, or the start of your organized trip, forcing you to change your itinerary, even though you or your travel companion has respected the carrier’s recommended times.
We cover:

  • An economy class ticket to interrupt your trip and return you to your departure point, or
  • An economy class ticket to join your itinerary, as well as the costs related to subsistence allowance.

During your trip, a flight schedule change causes you to miss your cruise, while you or your travel companion have planned to arrive at the cruise departure point at least 24 hours in advance and have respected the carrier’s recommended times, which forces you to change your itinerary.
We cover:

  • An economy class ticket to interrupt your trip and return you to your departure point, or
  • An economy class ticket to join the cruise at the next port, as well as related subsistence allowance costs.

During your trip, you or your travel companion have planned to arrive at least 3 hours in advance to attend an event that cannot be rescheduled, such as a wedding, funeral, graduation, or commercial entertainment for which you have purchased tickets.

  • Due to delays in your scheduled public transportation, you will not arrive at the event venue within 3 hours of the start of the event.
  • We will reimburse you for the additional economy class public transportation costs that you incur to reach your intended destination by taking an alternative route.

During your trip, you or your travel companion misses a connection or is required to modify or interrupt your trip due to:

  • A mechanical failure causing a delay in the connecting public transportation, or
  • An emergency-related police roadblock, or
  • A traffic accident directly involving the vehicle you are using to get to your destination, whether you are a passenger or driver of that vehicle, or
  • A delay in public transportation as a result of adverse weather conditions (including road closures due to poor weather), an earthquake, or a volcanic eruption, or
  • An unexpected strike.

Pregnancy and adoption

  • During your trip, you or your travel companion develops complications within the first 31 weeks of pregnancy.
  • During your trip, your spouse or your travel companion’s spouse develops complications within the first 31 weeks of pregnancy.
  • During your trip, you, your spouse, your travel companion or your travel companion’s spouse legally adopts a child, and the date of adoption takes place during the trip, provided that the adoption notice was received after the effective date of coverage.

Work and education

  • During your trip, you, your spouse, your travel companion, or your travel companion’s spouse is transferred at their employer’s request and must relocate their primary residence.
  • During your trip, you, your spouse, your travel companion or your travel companion’s spouse loses permanent employment that they have held for at least 1 year due to a layoff or dismissal without just cause, provided that they were not aware of this loss of employment on the effective date of coverage.
  • During your trip, a business meeting, conference or convention that was scheduled before the effective date of coverage and was the main purpose of your trip, is cancelled due to unexpected circumstances beyond your or your employer’s control.
    • This event must bring together companies with no ownership link, and in the case of a conference or congress, you must be a registered delegate.
    • We will reimburse expenses not covered by your employer.
  • During your trip, an unexpected date change occurs for an exam related to a professional training program or a university or college course that you or your travel companion is taking; the exam cannot be rescheduled and will occur during your travel dates.
  • During your trip, you, your spouse, your travel companion or your travel companion’s spouse is called to serve as a member of the military, a police corps, a firefighting brigade or emergency medical services.

Law and government

  • During your trip, you or your travel companion is unable to continue the trip or return to your country of residence as planned due to the theft or loss of your passport or visa.
  • During your trip, a new Canadian government travel advisory is issued by the Government of Canada informing Canadian residents to “avoid all non-essential travel” or “avoid all travel” to a country or region that is a destination or stopover on your trip.
  • During your trip, you, your spouse, your travel companion or your travel companion’s spouse is called to jury duty, subpoenaed to be a witness or required to appear as a defendant in a civil suit.

Pets and Service dogs

  • During your trip, you or your travel companion learns that your cat or dog, who is not travelling with you, needs to undergo urgent surgery.
  • During your trip, you or your travel companion learns that the service dog you need for independent living, due to a mental or physical disability, has been injured, fallen ill, or died.

Travel provider default

During your trip, the travel provider to which you have made payments for travel expenses is declared in default and as a result, you or your travel companion:

  • Will not receive part or all of the travel services you have purchased, and
  • Is unable to recover the entire cost of the undelivered travel services, either from the travel provider or from any federal, provincial or other compensation fund.



Optional Add-On: Cancel for Any Reason

Allows you to cancel your trip before departure for reasons other than those specified in the List of Insured Risks under Trip and Cancellation Interruption coverage.

 

Coverage Details

Coverage Includes:

  • Ages 74 and under 75% reimbursement up to $4,500 
  • Ages 75–85 50% reimbursement up to $4,500 

Must be purchased at the same time as Trip Cancellation and Interruption and: 

  • Within 5 days of purchasing the trip, or  
  • At any time before the travel provider’s cancellation penalties apply 

To claim, the trip must be cancelled at least 24 hours before the originally scheduled departure date. 

Baggage

  • The Baggage coverage insures you if your baggage is delayed for more than 12 hours or if it is lost, stolen, or damaged during your trip. 
  • The maximum amount that the insurer agrees to reimburse for the following three benefits is $1,500 per trip, per insured person. Coverage benefits include: 
    • Benefit paid for lost, stolen, or damaged baggage: Up to the insured amount further to theft, loss, or damage to your baggage occurring during the coverage period. 
    • Benefit paid in case of delay of checked baggage: Up to $500 when the arrival of your checked baggage with the carrier is delayed over 12 hours at your destination for: 
      • The purchase of essential toiletries and clothing 
      • The rental of delayed sports equipment 
    • Benefit paid for replacing official documents: Up to $250 for the cost of replacing the following official documents when they are lost or stolen during the trip: 
      • Passport 
      • Driver’s license 
      • Birth certificate 
      • Visa 

Travel Assistance

General assistance

We can help you manage and work your way through difficult situations like theft or lost documents.

Pre-trip assistance

We offer a wide range of essential information for problem-free travels, regardless of your destination:

  • Travel advice and advisories from the Government of Canada
  • Visas and other required travel documents
  • Recommended vaccinations

Medical assistance

The Blue Cross Travel Assistance Services team is available to help 24 hours a day, 7 days a week. Our team will provide the support and help you need, whatever the medical emergency.

  • Recommend a doctor, clinic or hospital best suited to provide appropriate care for your medical condition
  • Obtain medical information from your family physician prior to beginning a treatment
  • Follow-up of your case by our health professionals, regardless of your age and diagnosis
  • Coordinate repatriation by ground or air ambulance or on a regular flight
  • Contact your family upon request, in the event of an emergency
  • Arrange for a family member to travel and be at your side should you be hospitalized for three or more days