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EMERGENCY MEDICAL CARE AND EMERGENCY MEDICAL CARE IN CANADA

The Emergency Medical Care coverage protects your clients from the financial implications that may arise from medical services or care they receive during their trip. It covers the usual and reasonable costs incurred because of a medical emergency resulting from an accident or illness that occurs during the trip, during the period of coverage. 

Leaving Canada during the period of coverage renders the Emergency Medical Care in Canada coverage invalid in its entirety.

What is covered 

Eligible treatments are those declared urgent and necessary to stabilize the medical condition. Each insured person is covered up to a maximum of $5,000,000 per trip. 

Hospitalization, medical and paramedical expenses 
Hospitalization, physicians and nurses ✔ 
Health professional services

Up to $400 per profession, per trip: 

  • Physiotherapist 
  • Osteopath 
  • Chiropractor 
  • Podiatrist or podologist (combined) 
  • Urgent dermatological care 
Tests and diagnostics ✔
Prescribed medication as part of emergency treatment ✔
Medical devices ✔
Incidental expenses Up to $100 per day, up to a maximum of $500 per hospitalization
Emergency dental treatment

Up to $2,000 following external trauma 
Up to $500 for any other emergency dental treatment 

 

Transportation costs
Ambulance or taxi service ✔
Repatriation to the province of residence

Medical repatriation, repatriation of the travel companion or an immediate family member, accompanying person costs: 

Baggage return: up to $500

Pet return: up to $500 

Transportation expenses to visit or identify the insured person

  • Visit of the insured person hospitalized for at least 3 days 
  • Identification of the remains at the destination 

Up to $1,200 for: 

  • Childcare costs, accommodation and meals in a commercial establishment (maximum $300 per day). 
  • The cost of purchasing a Blue Cross travel insurance contract 

Additional transportation expenses

  • When the return by public transportation is postponed due to hospitalization 
  • When the return by public transportation is postponed due to an ongoing medical emergency within 48 hours of the scheduled return and does not require repatriation 

Up to $500 for: 

  • The cost of modifying the initial return ticket, or 
  • The purchase of a new public transport ticket if the original ticket cannot be changed 
Expenses for the return or removal of remains

Up to $10,000 for: 

  • Preparation and return of the remains to the province of residence, or 
  • The cost of cremation or burial on site 
Vehicle return expenses

Up to $5,000 for: 

  • Return of the insured person’s personal road vehicle to their province of residence 
  • Return of the rented vehicle to the nearest rental agency 

 

Subsistence allowance

Subsistence allowance 

In the event of illness or accident suffered by the insured person, a member of their immediate family or their travelling companion. 

Up to $300 per day (maximum $3,000) for: 

  • Accommodation in a commercial establishment 
  • Meals 
  • Essential phone calls 
  • Taxi transportation 
  • Childcare costs for dependent children who accompany the insured person on a trip 

 

Medical follow-up in Canada
Expenses for medical follow-up in Canada following repatriation 

Within 15 days of repatriation: 

  • Up to $1,000 for the cost of a semi-private room in a hospital or rehabilitation centre 
  • Up to $50 per day (maximum 10 days) for home care by a nursing assistant 
  • Up to $150 for the rental of medical equipment: crutches, standard walker, canes, hernial bandages, orthopedic corsets and oxygen 
  • Up to $250 for transportation costs (ambulance and taxi) to receive care.

 

Eligibility and stability

Age Medical stability Eligibility Health declaration Medical questionnaire
54 and under 3 months      
55 and over, trips of 17 days and less  6 months ✔     
55 and over, trips of 18 days and over 6 months ✔  ✔  ✔ 
60 and over 6 months ✔  ✔  ✔ 

 

For all the details on what is covered as well as coverage limitations, please refer to the insurance policy, pages 9-17.