Provincial health insurance plans cover only a small portion of medical services provided abroad. If you have an accident or get sick during your trip, you’ll be responsible for most of the expenses incurred.
That’s why travel insurance is so important: it covers you if you have an accident or suddenly become ill while travelling, even if you’re travelling within Canada.
What’s more, in the event of an emergency, you have 24/7 access to a team of professionals ready to offer you all the support you need until the situation has stabilized.
By purchasing Québec Blue Cross® travel insurance, you can use the Flight Delay Service at no extra cost. It provides you with exclusive benefits in the event of a flight delay of 3 hours or more.
To find out more about the services covered outside Quebec, visit the RAMQ website.
If you’re planning to take more than one trip this year, travel carefree thanks to our Annual travel insurance that will cover all your trips.
*To learn more about the Optional Protection: Pandemic, please consult the "Trip Cancellation or Interruption" section of the travel insurance policy.
You may, for example, already have access to travel insurance through a group insurance plan or with your credit card. You should be aware, however, that these plans often have restrictions, particularly regarding the maximum length of stay.
Read your policy carefully to find out if your travel insurance provides you with all the coverage you need for your stay abroad. Pay attention to the following:
For any questions related to your insurance policy, don’t hesitate to contact Customer Service.
Travel insurance protects you financially in case of accidental injury or sudden and unpredictable illness.
Travel insurance contracts contain limitations regarding health conditions, injuries or illnesses that were present prior to the purchase of travel insurance or prior to departure on a trip. These are called pre-existing conditions.
In some cases, COVID-19 may be a pre-existing condition (e.g., if you had symptoms before you left). Read your policy to find out what it covers.
If your health status changes before you leave, you must inform your insurance company. This could have an impact on your coverage.
A change in health status refers to any illness, accident, injury or symptom for which you:
It’s important to get insurance for the entire length of your trip, including the date of departure and return. Otherwise, your travel insurance policy will be null and void and you won’t be eligible for reimbursement if you’re involved in an accident, even if it occurs during the initial period of coverage.
If you need to extend your trip, contact your insurance company right away to have the dates of your contract changed. It’s very important that you extend the period covered by your contract before its expiry date.
If you spend 183 days or more outside Quebec per calendar year, you automatically lose your eligibility for the health insurance plan. Because you must be eligible for health insurance in order to be covered by travel insurance, your travel insurance policy will also cease to be in force.
Before leaving Quebec, contact the Régie de l’assurance maladie du Québec (RAMQ) if you need to extend your stay beyond this period.