Trip Cancellation and Interruption coverage may reimburse you for certain insured travel expenses if a covered event forces you to cancel, change, interrupt or extend your trip.
Emergency Medical Care coverage covers expenses resulting from a sudden illness or accident that occurs during your trip and requires immediate treatment.
Covered medical emergencies can be minor, such as gastroenteritis, food poisoning, heatstroke, a urinary tract infection, a sprain or strain, or something more serious like a fracture, car accident, or severe allergic reaction.
If you experience a medical emergency during your trip, you’ll be covered for up to $5,000,000 for expenses including hospitalization, medical and paramedical care, transportation, subsistence allowance, and medical follow-up in Canada after repatriation.
Refer to the insurance policy for full details.
The covered precipitation threshold is the minimum amount of rainfall that must be exceeded during the covered time period at your insured location for a day to qualify as a covered rainy day.
The precipitation threshold:
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is determined when you purchase your coverage
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is based on the time of year you're travelling and the exact address of your insured location
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may vary from one trip to another
Rainfall is measured automatically each day using data from the official weather station linked to your insured location.
Our travel insurance covers you worldwide. However, certain limitations and exclusions may apply, including for destinations under a Government of Canada travel advisory recommending that travellers avoid non-essential travel or avoid all travel.
Check the Government of Canada’s travel advisories by destination and refer to the insurance policy for more information.
Rainfall is measured automatically using data from the official weather station linked to the insured location you provided when purchasing your coverage.
Rainfall is measured daily throughout the covered time period at your insured location.
Drizzle is also included when calculating total rainfall.
There’s nothing you need to do during your trip - no proof is required.
Yes. You can do so if you purchase the Option: Cancel for Any Reason at the same time as your Trip Cancellation and Interruption coverage.
This option allows you to cancel for a reason not otherwise covered, provided you do so at least 24 hours before your scheduled departure date. It cannot be purchased with Trip Interruption coverage alone.
Refer to the travel insurance policy for full details.
Yes. Even within Canada, travel insurance can help protect you from significant unexpected expenses.
When you travel outside Quebec, RAMQ generally reimburses covered medical care based on the rates in effect in Quebec. Since medical costs can vary from one province to another, you may be responsible for part of the bill.
Your provincial health insurance plan doesn’t cover all health care services received in other Canadian provinces, such as ambulance transportation, emergency repatriation and prescription drugs.
Travel insurance can supplement your provincial coverage and help you avoid these unexpected costs.
A rainy day is covered only if rainfall at your insured location exceeds the precipitation threshold set out in your policy during the covered time period.
A Rainy Day deductible may apply depending on your policy. Covered rainy days that occur during the deductible period are not eligible for payment.
If a deductible applies, its duration is shown at the time of purchase, based on your insured location and travel dates.
The Rainy Day deductible is the number of days during which the precipitation threshold is exceeded without giving rise to compensation. This number appears on your insurance certificate and varies by insured location, travel dates and available historical weather data.
With Trip Cancellation and Interruption coverage, your prepaid, non-refundable insured travel expenses may be reimbursed up to the insured amount selected when you purchased your coverage, provided your cancellation is caused by an unforeseen event listed as a covered risk.
If you purchase the Option: Cancel for Any Reason, you may receive partial reimbursement of up to 75% of your prepaid, non-refundable insured travel expenses. The reimbursement percentage varies based on your age and is limited to $4,500 per insured traveller, even when your reason for cancelling is not covered under Trip Cancellation and Interruption coverage.
Refer to the travel insurance policy for full details.
The travel insurance provided by your credit card may have its own limits or restrictions. It’s important to read your policy carefully to understand the details of your coverage.
Additional insurance is often recommended to help ensure you have complete protection.
Here are a few things to check when reviewing your credit card coverage:
Trip duration
You need to purchase your travel insurance before leaving Quebec. Be sure to check how many days your credit card covers, as well as any age restrictions.
Emergency Medical Care coverage
There are often strict eligibility and stability requirements based on your current health. Make sure you understand any exclusions that apply to your coverage before you leave. The last thing you want is to find out that a medical condition is excluded when you need emergency medical care.
Also make sure the coverage amounts provided are sufficient and check how much you would need to pay as a deductible.
Trip Cancellation and Interruption
If you’ve paid for travel expenses in advance, make sure your Trip Cancellation and Interruption coverage is sufficient to protect you from financial losses. Most travel insurance provided through credit cards doesn’t cover trip cancellation or interruption, and when it does, the maximum amounts are rarely enough to cover the full cost.
Blue Cross can provide coverage to help protect you when the unexpected happens.
You receive $100 per covered, compensable rainy day, per policy, regardless of the number of insured individuals.
This amount is calculated after applying the Rainy Day deductible (if applicable), and only for covered rainy days.
Example: If your trip has 5 covered rainy days and your policy has a 1-day deductible, the first day covers the deductible ($0). You receive CAN$100 for each of the remaining 4 days, for a total of CAN$400.
You must purchase this option with Trip Cancellation and Interruption coverage, by the later of the following dates: 5 days after making a partial or full payment for your trip or the date your travel provider begins applying cancellation penalties.
So if your trip remains fully refundable after the 5-day period, you have until the cancellation penalties take effect to purchase the option.
Refer to the travel insurance policy for full details.
Yes. It’s important to contact Blue Cross Travel Assistance immediately if you have an accident, are hospitalized, or need medical care during your trip. If you don’t, some benefits may be denied.
Our assistance team is available 24/7 to help direct you to the best possible care.
No.
Rainfall is measured automatically using data from an official weather station. If the conditions for compensation are met, you’ll receive an email after your coverage ends with instructions on how to request your payment. No proof or supporting documents are required.
Our Baggage coverage insures you for up to $500 if your baggage is delayed for more than 12 hours during your trip.
Choose the amount of travel expenses you want to insure for each person.
To calculate this amount, add up all the non-refundable travel expenses you have paid and divide the total by the number of travellers covered under the contract.
These expenses may include airline tickets or other transportation costs, accommodations, a cruise, an all-inclusive trip and certain activities or excursions.
Do not include expenses that are refundable under the provider’s terms and conditions or those paid for using reward points or miles.
For example, you book a hotel that is refundable only until 30 days before your arrival. Since the booking will become non-refundable before your departure, you may want to include it in the amount insured.
At some health care facilities, our worldwide network of partners allows us to pay covered medical expenses directly. In these cases, you won’t have to pay anything upfront.
At other facilities, you may need to pay for the care you receive and then submit a claim for reimbursement.
If you have an emergency while travelling, contact Blue Cross Travel Assistance immediately. Our agents can direct you to a safe, reputable and accessible health care facility. They can also provide more information about paying expenses or submitting a claim for care received at that facility.
Payments are sent by Interac e-Transfer®.
Once you’ve completed your payment request using the link sent to you by email at the end of your coverage period, your payment will be sent within 2 business days.
Our Baggage coverage insures you up to $1,500 if your baggage is lost, stolen, or damaged during your trip. Note that this coverage includes limitations and exclusions as stated in our travel insurance policy.
This coverage provides a lump-sum payment in the event of death or loss of use of one or more limbs as a result of an accident during your trip.
Travel expenses may include certain costs paid or incurred for your trip, such as transportation, accommodations, an all-inclusive trip and certain activities or excursions. Eligible expenses vary depending on the coverage selected and the terms of the policy.
Blue Cross travel insurance offers several deductible amounts if you’d like to lower your insurance premium. However, choosing a deductible is optional.
If you choose one, you’ll be responsible for medical expenses up to the deductible amount you selected
Rainy Day coverage applies to single-destination trips and one insured location specified when you purchase your coverage.
Travel insurance must be purchased before you leave your province of residence and should cover the entire duration of your trip.
Depending on your circumstances and the coverage purchased, non-refundable airline tickets or additional transportation costs may be eligible for reimbursement.
Yes, under certain conditions. A pre-existing medical condition is a health condition, such as an illness or injury that existed before your departure or before your insurance coverage took effect.
To be covered, the condition must be stable for a specific period based on your age and coverage:
Emergency Medical Care:
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Ages 0–54: stable for 3 months before departure
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Ages 55 and over: stable for 6 months before departure
Trip Cancellation and Interruption:
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Stable for 3 months before the date you purchase your insurance or make your first trip payment, whichever is later.
More information will be provided when you get a quote or purchase online to help you understand the stability requirements.
Refer to this article and the insurance policy for full details.
Rainy Day coverage must be purchased online at the same time as Emergency Medical Care and/or Trip Cancellation and Interruption coverage.
It cannot be added after purchase through the Customer Space or by phone.
To add Rainy Day coverage:
2. Select Rainy Day when choosing your travel insurance coverage.
3. Enter your insured location.
Yes. The coverage may apply to a trip you received as a gift, provided the insured traveller can submit the required supporting documents when filing a claim.
Yes. Emergency transportation and repatriation expenses may be covered when required by your medical condition and approved by the appropriate medical authorities at your destination.
Depending on the situation, coverage may also be available for the return of your travel companion or dependent children. Other expenses may also be covered, including transportation for someone to visit the insured person, expenses to return a vehicle, and expenses related to the return or disposition of remains in the event of death.
Refer to the insurance policy for full details.
Rainy Day coverage is available for trips to Canada, the United States, Mexico, Cuba, the Dominican Republic and Europe.
Availability is confirmed when you purchase your coverage, based on your insured location.
Yes, you can reach us toll-free or by calling collect during your trip using the following numbers:
- From Canada or the United States: 1-800-361-6068
- From anywhere else in the world (call collect): 514-286-8411
To request reimbursement for eligible expenses, you must submit a travel insurance claim:
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Log in to your Customer Space.
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Select "My Claims".
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Click "New Claim".
You can submit your claim and supporting documents online.
To get reimbursed for eligible expenses, you’ll need to submit a travel insurance claim.
1. Log in to your Customer Space.
2. Select “My claims.”
3. Click “New claim.”
You can then submit your claim and supporting documents online.