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Monday, December 11th, 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.
- Incidental expenses – up to $100 per hospitalization for telephone, television, parking etc.
- Physician and registered nurse services.
- Medical appliances – purchase or rental cost for crutches, canes, wheelchair or other when prescribed by an attending physician.
- Professional services when referred by a physician – care received from a licensed chiropractor, osteopath, physiotherapist, podiatrist or dermatological emergencies up to $300 per category of practitioner.
- Diagnostic Services including laboratory tests and X-rays when prescribed by a physician.
- Prescription drugs except when required for the continued stabilization of a 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.
- 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 round-trip transportation and up to $300 per day, to the maximum of $1,200 for accommodation, meals and child care services, if the covered person is hospitalized for at least 7 days OR deceased (to identify the remains). *
- Vehicle return – 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. *
- Pet return – up to $500 for the cost to bring back the covered person’s pet after repatriation. *
- Return of the deceased – 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 (excluding the cost of a coffin, an urn and a gravestone). *
- Subsistence Allowance - up to $3,000 ($300 per day) for the cost of accommodation and meals, when a covered person’s return must be delayed due to illness or injury to the insured or to a travelling companion.
- 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
- Trip Break – Exclusive to policies with a duration of 32 days or more, covered persons can return to their province of residence and go back to their destination without terminating the insurance contract.

* Some of the benefits must be pre-approved and arranged by CanAssistance. Please read the insurance policy (attached below) for full descriptions and condition of the insurance benefits.

   OTHER PLANS (additional rates apply)
   - Trip Cancellation & Interruption – before departure: up to $20,000 and after departure: unlimited
   - Emergency Return - Unlimited
   - Accidental Death or Dismemberment – choice of $25,000, $50,000, $75,000 or $100,000
   - Air Flight Accident – choice of $100,000, $200,000 or $300,000
   - Baggage – up to $1,500
   - Car Rental Physical Damage – up to $75,000
   - Package Plus Plan - Hospital and Medical up to $5,000,000; Trip Cancellation & Interruption up to $20,000; Accidental Death & Dismemberment $100,000; Flight Accident $300,000; Trip Interruption - unlimited and Baggage up to $1,500.
   - Summertime Blue - Hospital and Medical up to $5,000,000; Medical Follow-Up in Canada; Unexpected return home up to $500. This plan is available for purchase only during the summer months.

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.
  - At the time of application and during the whole period of coverage, all covered persons must be covered under the government health and hospitalization program of their province of residence.
In order to be eligible for purchasing or renewing a travel insurance, 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 years;
5. Have been prescribed or treated with home oxygen in the past 12 months.

PRE-EXISTING CONDITIONS:
No benefits are payable under this benefit if the loss sustained or the expenses incurred result directly or indirectly from one of the following causes:
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 check-up), or;
- was hospitalized, or;
- was prescribed or received a new treatment, or;
- received 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).
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 needed corticosteroid therapy.
2. For persons aged 55 to 75 and covered for less than 32 days or covered by Summertime Blue:
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 check-up), or;
- was hospitalized, or;
- was prescribed or received a new treatment, or;
- received a change in an existing treatment, or;
- was prescribed or had taken a new medication, or;
- received a change in existing medication1 (including usage or dosage).
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 needed corticosteroid therapy.
3. For persons aged 55 to 75 and covered for 32 days or more or aged 76 and over, the following particular medical conditions are excluded unless otherwise stipulated on the insurance certificate:
a) During the lifetime of the covered person, any illness or condition related to the following medical conditions for which the covered person was diagnosed with or treated for:
- cardiovascular condition (myocardial infarction, bypass, angioplasty, angina, arrhythmia, pacemaker, congestive heart failure, defibrillator, valvulopathy or valve replacement, cardiomyopathy, myocarditis, pulmonary hypertension, aortic aneurysm);
- kidney failure;
- organ transplant: (heart, liver, pancreas, lung, bone marrow);
b) During the 24 months prior to the effective date of coverage, any chronic pulmonary condition (asthma, emphysema, chronic bronchitis, pulmonary fibrosis) for which the covered person was hospitalized or took cortisone pills.
c) During the 12 months prior to the effective date of coverage, any illness or condition related to one of the following conditions:
- cancer (with the exception of basal cell carcinoma) for which the covered person was diagnosed with or treated for;
- gastrointestinal condition (cirrhosis, hepatitis C, intestinal obstruction, diverticulitis, Crohn’s disease, pancreatitis, ulcerative colitis) for which the covered person was diagnosed with or treated for.
d) During the 6 months prior to the effective date of coverage:
i) any other 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 check-up), or;
- was hospitalized, or;
- was prescribed or received a new treatment, or;
- received 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).
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 needed 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. 

Minor ailment means any illness, injury or condition related to a medical condition which ends at least 30 days prior to the effective date of coverage and does not require:
- the use of medication for a period greater than 15 days, or;
- more than one follow-up visit to a physician, or;
- a hospitalization, or;
- a surgical intervention, or;
- consultation with a medical specialist.
A chronic medical condition or the complication of a chronic medical condition is not a minor ailment.

EXTENSION:
Coverage under this contract may be extended as long as the additional premium is paid, and that the covered persons remain eligible for insurance. If the extension or the coverage conditions of insurance affect the initial rate of the premium, the new premium will apply for the entire duration of the contract.
The contract must cover the total duration of the trip including the return date and the extension must be purchased from Blue Cross.
An extension purchased from another insurer shall render your Blue Cross contract null and void in its entirety.
If the covered person files a claim during the initial period of coverage, the Insurer’s approval is required to extend the contract. Once the approval to extend the contract has been granted, any claim that pertains to an event that occurred during the initial period of coverage will be rejected.
The contract holder must file a request for extension only prior to the end of the initial coverage period.
To obtain extension the covered person should contact us at 1-877-838-0020.

REFUNDS:
The company will refund the premium for the unused days during an early return as long as you have no claim to submit for this trip. You must provide proof of your return date, otherwise the date on which your request is postmarked by the postal service will be considered as your return date. The countdown of unused days starts the day after your return and a $25 fee applies.
No refund for annual plans.

CLAIMS:
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. 
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.

EXCLUSIONS: 
No benefits are payable under this benefit if the loss sustained or the expenses incurred result directly or indirectly from one of the following causes:
1. Any state or condition for which symptoms were ignored or for which medical advice was not followed or the recommended investigations, treatments, tests or procedures were not carried out.
2. Pregnancy and complications arising therefrom within 8 weeks preceding the expected date of delivery. (A child born during the first 32 weeks of pregnancy over the course of a trip is automatically covered by this insurance, if the medical costs of delivery and medical care to the mother are not excluded).
3. Accident sustained by the covered person while participating in a sport for remuneration or in a sporting event where money prizes are awarded to the winners, in any kind of motor vehicle competition or any kind of speeding event, in a contact sport, in 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 hang-gliding, skydiving, bungee jumping, canyoning, and any sport or activity with a high level of stress and risk involved.
The restriction as for the speeding event does not apply to the amateur athletic activities which are non-contact and engaged in by the covered person solely for leisure or fitness purposes.
4. Abuse of medication or alcohol, or use of drugs, use of experimental drugs or products or any other drug-addiction, and any condition arising therefrom, 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 (0.08).
5. Trip undertaken for the purpose of receiving medical attention or paramedical services.
6. Suicide, attempted suicide or self-inflicted injury of the covered person, whether sane or insane.
7. War, invasion, enemy acts, hostility between nations (whether or not war is declared), civil war, rebellion, revolution, insurrection, military power or usurped power, confiscation or nationalization or requisition or destruction of or damages to belongings due to any government or local or public authority.
8. Perpetration of or attempt to perpetrate, directly or indirectly, a criminal act under any law.
9. Any condition resulting from a mental, nervous, psychological or psychiatric problem, unless the covered person is hospitalized for that specific reason.
10. Any claim for patients in chronic care hospitals or in chronic illnesses or hospital rehabilitation service, or in nursing homes or health spas.
11. Any care, treatment, products or services other than those declared by the appropriate authorities to be required for the treatment of the injury or disease or stabilization of the medical condition.
12. Custodial care or services rendered for the convenience of the patient.
13. Care or treatments for cosmetic purposes.
14. Care or treatments received outside the province of residence, when such care or treatments could have been obtained in the province of residence without endangering the life or health of the covered person, with the exception of care for immediately necessary treatment following an emergency resulting from an accident or sudden illness.
Under this exclusion, the fact that the care available in the province of residence could be of lesser quality or take longer to obtain than the care available outside his province of residence does not constitute a danger to the covered person’s life or health.
Without restricting the generality of this exclusion, no benefits are available under this plan for any covered person travelling outside his province of residence primarily or incidentally to seek medical advice or treatment, even if such a trip is on the recommendation of a physician.
15. Care or treatments received outside the province of residence which are not covered under government programs.
16. Care or treatments such as those rendered by an acupuncturist, a homeopath or a naturopath.
17. Products listed below are not covered even when obtained by a prescription:
- processed food for infants, dietary or food supplements or substitutes of any kind, including protein, so-called “natural” products, multivitamins and drugs available over the counter (GP products), antacids, digestives, laxatives, antidiarrheals, decongestants, antitussives, expectorants and any other flu or cold medications, gargles, oils, shampoos, lotions, soaps and all other dermatological products.
18. Failure of the covered person to communicate with CanAssistance in the event of medical consultation or hospitalization following an accident or sudden illness.
19. Once the contract has been extended, any medical condition that arose during the initial period of coverage will be excluded as of the date of the extension.
20. Charges for emergency air evacuation to the nearest medical facility are limited to $10,000 when the transportation was not planned by 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.

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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