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Friday, October 20th, 2017

BLUE CROSS
Travel Insurance                             
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Administrated by: Blue Cross Canada.
Underwritten by: Blue Cross.
24 hours Emergency Assistance Center: CanAssistance.

IMPORTANT NOTE: The product-related information on this website is for illustration purposes only. For complete benefits, terms, conditions, limitations and exclusions, please see the policy booklet at the download section below. Please read and understand your policy before you travel.

BENEFITS:
Maximum Benefits: $5,000,000
Ambulance Transportation – air or land service.
Hospital and medical expenses – private or semi-private room.
Physician and registered nurse services.
Diagnostic Treatment including laboratory texts and X-ray when prescribed by a physician.
Prescription drugs except for continued stabilization or chronic medical condition.
Accidental Dental: Up to $2,000 for repair or replacement of whole or sound natural teeth damaged by an external injury.
Emergency Dental: up to $500 for emergency dental treatment, excluding root canal therapy.
Medical appliances – rental or purchase cost for crutches, canes, wheelchair or other when prescribed by an attending physician.
Subsistence Allowance - up to $3,000 ($300 per day) for the cost of accommodation and meals of a travel companion in case of hospitalization of the insured person.
Incidental expenses – up to $100 per hospitalization for telephone, television, parking etc.
Professional services referred by a physician – care received from a licensed chiropractor, osteopath, physiotherapist or podiatrist, up to $300 per category of practitioner.
Repatriation to Province of Residence: the cost of transportation to the province of residence in order to receive immediate medical attention.
Return of Traveling Companion in case of repatriation of insured. The cost of escort person is covered in case of child repatriation.
Transportation to visit the covered person – the cost of transportation and up to $300 per day, to the maximum of $1,200 for accommodation, meals and child care services.
Return of Vehicle – up to $5,000 for the cost of returning own or rental vehicle due to illness or accident of the insured.
Baggage return – up to $300 in case of repatriation for medical reasons to the province of residence.
Return of a pet – up to $500 for the cost to bring back the covered person’s pet.
Funeral Expenses: In the event of death, up to $10,000 for preparing and transportation of deceased person to the province of residence or the cost of cremation and/or burial at the place of death.
Medical Follow-up in Canada Benefit: when a covered person is repatriated to Canada after hospitalization outside of Canada, the insurer will reimburse the following costs if they are incurred within 15 days of repatriation:
   - Costs of a semi-private room in a hospital or a rehabilitation center or a convalescent home up to a maximum of $1,000.
   - Fees for home nursing care when medically required and provided by a registered nurse or a registered nursing assistant, up to a maximum of $50 per day, for a maximum of 10 days.
   - Cost for the rental of the following devices, up to a maximum of $150: crutches, standard walker, canes, trusses, orthopedic corset and oxygen.
   - Cost for transportation (ambulance or a taxi) in order to receive medical care up to a maximum of $250

ELIGIBILITY:
   - The travel insurance must be purchased before the departure date and for the full duration of the trip, including the departure and return dates. 
   - You must be departing from your province of residence.
  
- You must be covered under the government health and hospitalization programs of your province of residence for the whole duration of the contract.
 Persons aged 55 and over:
In order to be eligible for purchasing or renewing a travel insurance contract, the covered person aged 55 and over must not:
   1. Have received medical advice not to travel;
   2. Suffer from an illness in a terminal stage;
   3. Suffer from kidney failure treated through dialysis;
   4. Have been diagnosed with or treated for metastatic cancer in the past 5 years;
   5. Have been prescribed or treated with home oxygen in the past 12 months; 

EXCLUSIONS: Your coverage is subject to various exclusions, which are completely set out in the Exclusions section of the policy document. The following, although not an exhaustive list, are some of these exclusions:

PRE-EXISTING CONDITIONS:
1. For persons under the age of 55:
 During the 3 months prior to the effective date of coverage:
   a) any illness, injury or condition (with the exception of a minor ailment) related to a medical condition for which the covered person: consulted a physician (other than for a regular checkup), or was hospitalized, or was prescribed or received a new treatment, or receive a change in an existing treatment, or was prescribed or had taken a new medication, or received a change in existing medication (including usage or dosage).
The insurer does not consider a change in existing medication the following elements: the routine adjustment of insulin or Coumadin; a change from a brand name medication to a generic brand medication, provided the dosage is the same; Aspirin taken for non-prescribed medical purposes; decrease of the dosage of cholesterol medication; hormone replacement therapy; vitamins and minerals and non-prescription medication; creams or ointments prescribed for cutaneous irritations;
   b) any heart condition for which the covered person has taken nitroglycerin more than once in a 7-day period for the relief of a chest pain.
   c) any pulmonary condition for which the covered person was treated with home oxygen or had recourse to a corticosteroid therapy.

2. For persons age 55 to 75 and covered for less than 32 days or covered by Summertime Blue plan:
 During the 6 months prior to the effective date of coverage:
   a) any illness, injury or condition (with the exception of a minor ailment) related to a medical condition for which the covered person: consulted a physician (other than for a regular checkup), or was hospitalized, or was prescribed or received a new treatment, or receive a change in an existing treatment, or was prescribed or had taken a new medication, or received a change in existing medication (including usage or dosage).
The insurer does not consider a change in existing medication the following elements: the routine adjustment of insulin or Coumadin; a change from a brand name medication to a generic brand medication, provided the dosage is the same; Aspirin taken for non-prescribed medical purposes; decrease of the dosage of cholesterol medication; hormone replacement therapy; vitamins and minerals and non-prescription medication; creams or ointments prescribed for cutaneous irritations;
   b) any heart condition for which the covered person has taken nitroglycerin more than once in a 7-day period for the relief of a chest pain.
   c) any pulmonary condition for which the covered person was treated with home oxygen or had recourse to a corticosteroid therapy.

3. For persons age 55 to 75 and covered for 32 days or more or aged 76 and over:
   a) During the life time of the covered person, any illness or condition related to the following medical conditions for which the covered person diagnosed with or treated for: Cardiovascular conditions: myocardial infarction, bypass, angioplasty, angina, arrhythmia, pacemaker, congestive heart failure, defibrillator, valvulopathy or valve replacement, cardiomyopathy, myocarditis, pulmonary hypertension, congenital heart disease, aortic aneurysm, peripheral vascular disease; Kidney failure; Organ Transplant (other than cornea transplantation)
   b) During the 12 months prior to the effective date of coverage, any illness or condition related to one of the following medical conditions: Chronic pulmonary condition (asthma, emphysema, chronic bronchitis, pulmonary fibrosis) for which the covered person was hospitalized; Cancer (with the exception of basal cell carcinoma) for which the covered person was diagnosed with or treated; Gastrointestinal condition (cirrhosis, hepatitis, internal bleeding, intestinal obstruction, diverticulitis) for which the covered person was diagnosed with or treated.
   c) During the 6 months prior to the effective date of coverage:
          i) any illness, injury or condition (with the exception of a minor ailment) related to a medical condition for which the covered person: consulted a physician (other than for a regular checkup), or was hospitalized, or was prescribed or received a new treatment, or receive a change in an existing treatment, or was prescribed or had taken a new medication, or received a change in existing medication (including usage or dosage).
The insurer does not consider a change in existing medication the following elements: the routine adjustment of insulin or Coumadin; a change from a brand name medication to a generic brand medication, provided the dosage is the same; Aspirin taken for non-prescribed medical purposes; decrease of the dosage of cholesterol medication; hormone replacement therapy; vitamins and minerals and non-prescription medication; creams or ointments prescribed for cutaneous irritations;
          ii) any heart condition for which the covered person has taken nitroglycerin more than once in a 7-day period for the relief of a chest pain.
          iii) any pulmonary condition for which the covered person was treated with home oxygen or had recourse to a corticosteroid therapy. 
The insurer does not consider a change in existing medication the following elements: the routine adjustment of insulin or Coumadin; a change from a brand name medication to a generic brand medication, provided the dosage is the same; Aspirin taken for non-prescribed medical purposes; decrease of the dosage of cholesterol medication; hormone replacement therapy; vitamins and minerals and non-prescription medication; creams or ointments prescribed for cutaneous irritations.

PREGNANCY and complications arising therefrom within 8 weeks preceding the expected date of delivery.

IN THE EVENT OF AN EMERGENCY, YOU MUST CALL CanAssistance IMMEDIATELY: 1-800-361-6068 toll free from Canada or United States, or 514-286-8411 collect call from anywhere else. Assistance agents offer the covered person 24-hour service, 7 days a week.
NOTICE: Failure to contact CanAssistance in the event of medical consultation or hospitalization following an accident or sudden illness could result in the compensation requested being refused. 

OTHER EXCLUSIONS:
   - accident in result of participating in a sport where money prizes are awarded to the winners, any kind of motor vehicle competition or any kind of speeding event, to a dangerous or violent sport such as but not limited to: off-track snow sports, show jumping obstacles, rock climbing or mountain climbing (grade 4 or 5 routes according to the scale of the Yosemite Decimal System – YDS), parachuting, gliding or hand-gliding, skydiving, bungee jumping, canyoning, and any sport or activity with a high level of stress and risk involved.
   - Abuse of medication or alcohol or driving of a motor vehicle while ability to drive is impaired by drugs or by alcohol with an alcohol level of more than 80 milligrams per 100 millilitres of blood.
   - Suicide or self-inflicted injury whether sane or insane.
   - War, invasion, enemy acts, hostility between nations (whether or not war is declared), civil war, rebellion, revolution military power or usurped power.
   - A criminal act under any law.
   - Mental, nervous, psychological or psychiatric problem, unless the covered person is hospitalized for that specific reason.
   - Care of treatments for cosmetic purposes.
   - Acupuncturist, a homeopath or naturopath  treatments or care.
   - Any medical condition not requiring any more emergency care which occurred during the trip and is a potential claim, when the covered person elects to continue the trip as planned.

CLAIMS:
All claims should be reported to Blue Cross in writing within 30 days of acquiring and all original documents have to be transmitted to the insurance company within 90 days.
To obtain a claim form the covered person may contact Blue Cross Customer Service Department at: 1-800-387-2538 for Quebec or 1-800-557-3907 for Ontario and Atlantic region.

Failure of the covered person to communicate with CanAssistance in the event of medical consultation or hospitalization following an accident or sudden illness could result in refusal of compensation requested. Toll free Canada, United States: 1-800-361-6068

REFUNDS:
Full refund if the policy is cancelled before the effective date.
Partial refund plus cancellation fee ($25) for early return to Canada if no claim was submitted.
No refund for annual plans.

EXTENSION:
Extension of coverage is available by contacting us before expiry date. If a claim has been submitted, approval is required to extend the contract.
To obtain extension the covered person should contact us at 1-877-838-0020.

PREMIUM:
- Minimum premium is $25 per contract.

ABOUT BLUE CROSS CANADA:
In Canada, eligible residents or visitors in every province and territory may obtain Blue Cross® coverage through one of the independent Blue Cross Member Plans. All Member Plans operate on a not-for-profit basis and are independent Members of the Canadian Association of Blue Cross Plans (CABCP). The Association maintains and monitors standards of performance ensuring the highest quality of service by its Members which benefit all clients across the country. The Member Plans are also linked with the Blue Cross and Blue Shield Association in the United States and worldwide through the International Federation of Health Funds.

IMPORTANT NOTE: The product-related information on this website is for illustration purposes only. For complete benefits, terms, conditions, limitations and exclusions, please see the policy booklet at the download section below. Please read and understand your policy before you travel.

DOWNLOADS:

Blue Cross Travel Insurance Policy PDF

TM/® The Blue Cross symbol and name are registered trademarks of the Canadian Association of Blue Cross Plans and the Association of Independern Blue Cross Plans, and are licnece to the Canassurance Hospital Service Association, carrying business as Ontario Blue Cross and Quebec Blue Cross and to the Medavie Inc. carrying on business as Atlantic Blue Cross Care.

 

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