While provincial health insurance may cover some medical expenses when travelling to other provinces, there are often limitations and exclusions, such as coverage for ambulance services, repatriation, or prescription medication costs. To ensure comprehensive coverage for your domestic trip, it’s highly recommended to purchase additional travel insurance.

Yes, but only under certain conditions. A pre-existing medical condition is a health condition (such as an illness or injury) that existed before your departure or before your insurance took effect. 

To be eligible for coverage, the condition must have been stable for a specific period. The required stability period depends on your age and the type of coverage: 

Emergency Medical Care  

• Ages 0–54: Stable for 3 months before departure 

• Ages 55 and over: Stable for 6 months before departure 

Trip Cancellation or Interruption  

• Stable for 3 months before you bought the insurance or made your first trip payment (whichever came later). 

Additional details will be provided during the online purchase or quote process to help you better understand the stability requirements. 

Please refer to this article and your insurance policy for full details. 

Yes, but only under certain conditions. A pre-existing medical condition is a health condition (such as an illness or injury) that existed before your departure or before your insurance took effect. 

To be eligible for coverage, the condition must have been stable for a specific period. The required stability period depends on your age and the type of coverage: 

Emergency Medical Care  

• Ages 0–54: Stable for 3 months before departure 

• Ages 55 and over: Stable for 6 months before departure 

Trip Cancellation or Interruption  

• Stable for 3 months before you bought the insurance or made your first trip payment (whichever came later). 

Additional details will be provided during the online purchase or quote process to help you better understand the stability requirements. 

Please refer to this article and your insurance policy for full details. 

Yes, but only under certain conditions. A pre-existing medical condition is a health condition (such as an illness or injury) that existed before your departure or before your insurance took effect. 

To be eligible for coverage, the condition must have been stable for a specific period. The required stability period depends on your age and the type of coverage: 

Emergency Medical Care  

• Ages 0–54: Stable for 3 months before departure 

• Ages 55 and over: Stable for 6 months before departure 

Trip Cancellation or Interruption  

• Stable for 3 months before you bought the insurance or made your first trip payment (whichever came later). 

Additional details will be provided during the online purchase or quote process to help you better understand the stability requirements. 

Please refer to this article and your insurance policy for full details. 

A pre-existing medical condition refers to any illness or condition that existed before your departure. To be covered, your condition must remain stable for a specific period outlined in your policy, which varies based on your age. You may also have the option to shorten this period by selecting the Option: Reduced Stability Period. For more details, please refer to our blog or contact one of our agents.

In some cases, yes. Thanks to our global network of partners, Blue Cross can pay covered medical costs directly to certain hospitals or medical clinics. When this is possible, you won’t need to pay anything out of pocket. 

At other healthcare facilities, you may be asked to pay for the care you receive and then submit a claim for reimbursement. 

In the event of a travel emergency, contact Blue Cross Travel Assistance immediately. Our agents can help direct you to a safe, reputable, and accessible healthcare facility and guide you through payment arrangements and the claims process. 

In some cases, yes. Thanks to our global network of partners, Blue Cross can pay covered medical costs directly to certain hospitals or medical clinics. When this is possible, you won’t need to pay anything out of pocket. 

At other healthcare facilities, you may be asked to pay for the care you receive and then submit a claim for reimbursement. 

In the event of a travel emergency, contact Blue Cross Travel Assistance immediately. Our agents can help direct you to a safe, reputable, and accessible healthcare facility and guide you through payment arrangements and the claims process. 

Travel insurance must be purchased before you leave your province of residence and should cover the entire duration of your trip.

Blue Cross travel insurance offers several deductible options that can help lower your premium, but choosing a deductible is optional. If you select one, you’ll be responsible for medical expenses up to the deductible amount you chose.

Blue Cross travel insurance offers several deductible options that can help lower your premium, but choosing a deductible is optional. If you select one, you’ll be responsible for medical expenses up to the deductible amount you chose.

Yes, unless you’re unable to do so. Our 24/7 assistance team is here to guide you to the best possible care. In case of a medical emergency, you must contact Blue Cross Travel Assistance immediately. Failure to do so before receiving treatment may result in your claim being denied. If you’re unable to contact us beforehand, seek care at the nearest clinic or hospital and call us as soon as possible to open your assistance file.

Coverage provided by your credit card may be limited or subject to specific terms and conditions. It’s important to review your policy carefully to understand what is and isn’t covered. Purchasing additional travel insurance is often recommended to make sure you have more comprehensive coverage. 

Things to check about your credit card coverage:  

Trip Duration 
Travel insurance must be purchased before you leave Quebec. Be sure to check the maximum trip duration covered by your credit card, as well as any age-related restrictions that may apply. 

Emergency Medical Care 
Credit card coverage often includes strict eligibility and medical stability requirements based on your current health. It’s important to review all exclusions before you travel. There’s nothing more stressful than finding out a condition isn’t covered when you need emergency care. Also, check the coverage limits and whether a deductible applies. 

Trip Cancellation or Interruption 
If you’ve prepaid travel expenses, make sure the amount covered for Trip Cancellation or Interruption is sufficient to protect you from financial loss. Most credit card travel insurance offers little or no coverage for cancellation or interruption, and when it does, the maximum amounts are often limited. Blue Cross provides coverage designed to protect you in the event of unforeseen circumstances. 

Coverage provided by your credit card may be limited or subject to specific terms and conditions. It’s important to review your policy carefully to understand what is and isn’t covered. Purchasing additional travel insurance is often recommended to make sure you have more comprehensive coverage. 

Things to check about your credit card coverage:  

Trip Duration 
Travel insurance must be purchased before you leave Quebec. Be sure to check the maximum trip duration covered by your credit card, as well as any age-related restrictions that may apply. 

Emergency Medical Care 
Credit card coverage often includes strict eligibility and medical stability requirements based on your current health. It’s important to review all exclusions before you travel. There’s nothing more stressful than finding out a condition isn’t covered when you need emergency care. Also, check the coverage limits and whether a deductible applies. 

Trip Cancellation or Interruption 
If you’ve prepaid travel expenses, make sure the amount covered for Trip Cancellation or Interruption is sufficient to protect you from financial loss. Most credit card travel insurance offers little or no coverage for cancellation or interruption, and when it does, the maximum amounts are often limited. Blue Cross provides coverage designed to protect you in the event of unforeseen circumstances. 

Yes, you can reach us toll-free or by calling collect during your trip using the following numbers:

• From Canada or the United States: 1-800-361-6068
• From anywhere else in the world (call collect): 514-286-8411