I travel for work. What kind of health coverage do I need when I’m out of the country?
Blue Cross provides a variety of travel insurance solutions for emergency medical costs abroad. If you have group insurance, be sure to read the details about your coverage before leaving, even for short trips. Make sure your medical coverage is complete, that 100% of the costs are reimbursable, that you will be repatriated if necessary, and that your insurer has payment agreements abroad so you avoid having to pay the costs when you’re away from home.
With Blue Cross, you can travel with peace of mind knowing that our Assistance program has you covered with professional and efficient service. If the unexpected happened while you’re away, you would be taken in hand quickly by our experts. Thanks to our many partnerships, Blue Cross offers all the support you need wherever you are around the globe.
Provincial health care plans and Canadians travelling abroad
Canada is one of the few countries in the world that has government-funded health care. Outside Canada, however, your provincial health care plan only goes so far. Coverage is very low for medical expenses incurred outside your province of residence. It is essential for all Canadians travelling outside their home province to obtain supplemental insurance while travelling.
Protect your health and your financial investment while you are outside Canada
Many Canadians are well-educated on the costs of health care in the United States. The cost of receiving medical care in an emergency anywhere in the world can affect the quality of the care you receive, and it can put you in financial ruin. Don’t leave anything to chance: protect yourself, receive the care you deserve and come home without a hefty medical bill.
Do I really need insurance when I travel outside Canada?
Your provincial health care coverage only goes so far when you leave Canada. RAMQ coverage on average pays $100 per day for hospital stays outside your province of residence. Meanwhile, in the United States, a hospital stay in a basic room can cost up to $1,500 per day.