Frequently Asked Questions: Annual & Individual Travel Plans

Does the Emergency Medical Care benefit cover the side effects of the COVID-19 vaccine while on a trip? Icon/UI/plus-circle

Emergency Medical Care insurance covers urgent care necessary to stabilize a medical condition following an accident or sudden illness. If such care is required during your trip due to side effects of the COVID-19 vaccine, you will be covered as long as you meet the pre-existing conditions requirements.

If you are concerned about the possible side effects, we urge you to consult health authority recommendations or to discuss them with your healthcare professional prior to receiving the vaccine.

If the government were to close the borders again, would you cover the costs of extending the trip, possible quarantine abroad or return to Canada? Icon/UI/plus-circle

Our responsibility is to advise and support our clients, while respecting the restrictions imposed by the various governments. Please note that:

  • Subsistence allowance does not cover expenses related to preventive or mandatory quarantine before returning tonthe country, on site or upon arrival at the destination.
  • Subsistence allowance expenses may be covered when a traveller must delay their return due to a medical emergency, including a medical emergency related to COVID-19.
  • A medical emergency means the person is suffering from serious symptoms that require medical attention and possibly repatriation.
  • We do not cover quarantine fees upon return to the country.

We advise all our clients to call us in case of any doubt or if their situation changes. Options to extend insurance coverage may be considered if a person becomes stranded abroad

 

How do government announcements related to essential travel affect your policies? Icon/UI/plus-circle

We are monitoring the recommendations of the Government of Canada and World Health Organization, as well as the global situation regarding the spread of the virus. The Emergency Medical Care benefit covers COVID-19 unless it is considered a pre-existing condition prior to departure.

I need written proof of your insurance coverage for COVID-19. What do I need to do? Icon/UI/plus-circle

You will find written proof of your insurance coverage for COVID-19 in the last section of your travel insurance certificate.

Is the Omicron variant covered by my travel insurance? Icon/UI/plus-circle

We would like to reassure all our clients regarding their travel insurance coverage. The Emergency Medical Care benefit covers COVID-19 and its variants, including Omicron, unless it is considered a pre-existing condition prior to departure.

What happens if I don’t get tested for COVID-19 before my return date? Icon/UI/plus-circle

Please consult the website of the Government of Canada to get the latest information on this subject.

Can Travel Assistance help me find a place where I can be tested for COVID-19 while on a trip? Icon/UI/plus-circle

We recommend that you contact the local health authorities for the most up-to-date information in your location. Travel Assistance is available 24/7 to help you in the event of an emergency during your trip. However, we cannot guarantee that this service will have access to all the information regarding the COVID-19 testing centres at your destination.

Does Emergency Medical Care cover the cost of getting tested for COVID-19 while on a trip? Icon/UI/plus-circle

No. Emergency Medical Care only covers diagnostic costs when prescribed by a doctor following a medical emergency or sudden illness. A test to comply with a government requirement is not considered a medical emergency.

Does Emergency Medical Care cover the cost of receiving the COVID-19 vaccine while on a trip? Icon/UI/plus-circle

No. The Emergency Medical Care benefit does not cover preventive care (e.g., vaccines). It only covers urgent medical care required following an accident or sudden illness.

I was denied boarding on my flight back to Canada. Will the Emergency Medical Care benefit cover my expenses for subsistence allowance if I need to extend my trip? Icon/UI/plus-circle

The Emergency Medical Care benefit covers expenses for subsistence allowance only in the event of a medical emergency.

If you are denied boarding your flight, contact our Travel Assistance to request an extension of your insurance. The numbers to reach this 24/7 service are as follows:

  • From Canada or the United States: 1-800-361-6068 (toll free)
  • From Mexico: 01 800 062-3174 (toll free)
  • From the Dominican Republic: 1-800-203-9666 (toll free)
  • From anywhere else in the world: 1-800-7328-7473 (toll free) or 514-286-8411 (collect)

*The Government of Canada requires all travellers to provide a mandatory negative result from a recent COVID-19 test. Click here for
more details.

Am I covered if I decide to travel outside of my province of residence even if a warning to avoid non-essential travel is in place? Icon/UI/plus-circle

All Annual and Individual Travel Plans include the Emergency Medical Care benefit and 24/7 access to Travel Assistance. If you should contract the COVID-19 virus while travelling, the Emergency Medical Care benefit will cover you for as long as your contract is in effect.

It is important to note that given the magnitude of the crisis, the reduced availability of medical resources around the world and the measures taken by different countries to limit the spread of the COVID-19 pandemic, our assistance service is very limited in its ability to assist people in emergency situations abroad.

All travellers should be aware that there are health risks when you travel. We would generally advocate reconsidering your travel plans in order to protect the health of travellers and the Canadian public; however we understand that some travel may be necessary.

Can I extend my insurance contract if I am unable to return home as planned due to travel restrictions? Icon/UI/plus-circle

If you must extend your stay due to a situation beyond your control, promptly contact our customer service department at 1-833-729-0186 if you are in Canada or USA or 1-306-518-0145 (collect) from any other country to find out if you are eligible for a contract extension. Make sure you contact us before the expiry date of your contract. Please note that any request to extend your coverage will be subject to our approval.

What should I do if I contract COVID-19 or I get sick while travelling? Icon/UI/plus-circle

If you experience symptoms associated with COVID-19 or have a medical emergency abroad:
Contact Blue Cross Travel Assistance Services immediately. The numbers to reach this 24/7 service are 1-833-729-0186 (toll-free) from Canada or the United States or 1-306-518-0145 (collect) from any other country.

If you cannot reach Blue Cross Travel Assistance Services, do what is medically necessary to stabilize your situation (e.g., go to a nearby hospital or contact local emergency services). Once you have been taken care of, call Blue Cross Travel Assistance Services as soon as possible.

Please note that you are not covered for emergency medical care if you have tested positive for COVID-19 or are showing symptoms prior departure.

Am I covered if I am quarantined during my trip? Icon/UI/plus-circle

If you need to extend your trip as a result of being quarantined, contact us at 1-800-667-6853 or 306-244-1192.

*The Government of Canada requires all travellers to provide a mandatory negative result from a recent COVID-19 test. Click here for more details.

Can you send me a letter proving that you cover expenses related to COVID-19? Icon/UI/plus-circle

If such a document is requested by a government authority, contact our customer service department at 1-833-729-0186 if you are in Canada or USA or 1-306-518-0145 (collect) from any other country.

Can I change the dates of my individual travel insurance contract? Icon/UI/plus-circle

To change the dates of your individual travel insurance contract, please contact our customer service department at 1-306-244-1192 or the authorized representative (broker) that sold you the contract before the effective date of your contract.

I need to extend my trip because I tested positive for COVID-19. Will my contract be extended automatically? Icon/UI/plus-circle

If you need to extend your trip, contact us to find out if you are eligible for a contract extension at 1-800-667-6853 or 306-244-1192.

*The Government of Canada requires all travellers to provide a mandatory negative result from a recent COVID-19 test. Click here for more details.

I extended my contract due to quarantine and my symptoms worsened. Will I be covered for COVID-19 during this period? Icon/UI/plus-circle

If you have been placed in quarantine due to a positive COVID-19 test and require emergency medical attention for this reason, contact our Travel Assistance. The numbers to reach this 24/7 service are as follows:

  • From Canada or the United States: 1-800-361-6068 (toll free)
  • From Mexico: 01 800 062-3174 (toll free)
  • From the Dominican Republic: 1-800-203-9666 (toll free)
  • From anywhere else in the world: 1-800-7328-7473 (toll free) or 514-286-8411 (collect)