Case studies

Policy premium
Provincial health plan reimbursement
Without insurance
With Blue Cross travel insurance
Terry, age 3: Sunstroke
West Yarmouth, MA, USA
Emergency Care
$28.98 $615 $71 $544 $28.98
Claudia, age 34: Ankle Sprain
Mount Worcester, VT, USA
Emergency Care
$25 $509 $41 $468 $25
Magdeleine, age 71: Wrist fracture
Victoria, BC, Canada
Emergency care and medical accessories
$66.46 $462 $136 $326 $66.46
Paul, age 40: Food poisoning

Toronto, ON, Canada
Ambulance and emergency care
$28.25 $462 $73 $402 $28.25
Julien, age 30:
Accident resulting in compressed vertebrae

Ciudad Vallés, Mexico
Emergency care and air ambulance
$32.24 $38,883 $500 $38,383 $32.24
Isabelle, age 42Traveller's diarrhea
Punta Cana, Dominican Republic
Hospitalization and return air flight
$118.77 $10,608 $800 $9,808 $118.77


Terry and his family were enjoying a week’s vacation at the beach. Terry’s mother noticed his skin turning bright red. He had been in the sun for only 30 minutes, and his mother had applied sunscreen before leaving for the beach. A mild case of sunstroke was diagnosed at the hospital.

During a two-day hike, Claudia suffered a bad sprain after slipping between two rocks. Her descent was difficult. Once she reached the emergency room, a bandage was applied, and she was provided with crutches.

Madeleine slipped and fell on a wet floor while visiting her sister for a week in British Columbia. At the hospital, a cast was quickly applied, and Madeleine was released with a waterproof sheath for protection.

Paul visited a new sushi restaurant with a supplier while on a five-day business trip to Toronto. He became ill during the night, and a hotel clerk had to call an ambulance as he was unable to drive and unsure of where the nearest hospital was. Once admitted into the emergency ward, Paul was diagnosed with food poisoning.

Julien nearly lost the use of his legs while on a one-week kayaking trip to Mexico. A wrong move compressed his lumbar vertebrae and the motor nerves of his legs. He was immediately airlifted to Québec to a hospital with a trauma unit. Thanks to the prompt treatment of our medical team, Julien was able to leave the hospital on his own two feet.

Isabelle consulted a hotel doctor for a rash and diarrhea while on a week-long trip to Punta Cana. She had expected to be treated with medication, but was rushed to the emergency room at the nearest hospital. Her symptoms were due to overexposure to the sun, and the diarrhea had caused dehydration. Her husband was taken to the hospital the next day with the same condition. They were hospitalized for four days and were unable to depart on their scheduled flight. Thanks to the Trip Cancellation and Interruption coverage in their Travel Insurance policy, they traveled home on a commercial flight two days later.