Are you a member? Save an additional 10%.
Get a Quote
or call 1-877-PAC-BLUE.
Please click on a question below to see the answer.
You should be aware that your provincial coverage may not pay for all health care
costs you may incur while outside of the province, and the difference can be substantial.
For example, B.C. pays $75 (CAD) a day for emergency in-patient hospital care, while
the average cost in the U.S. often exceeds $1000 (US) a day, and can be as high
as $10,000 (US) a day in intensive care. For this reason, you are strongly advised
to purchase additional health insurance from a private insurer before you leave
the province, whether you are going to another part of Canada or outside the country.
You are advised to purchase additional coverage even if you plan to be away for
only a day.
If the Covered person needs health care while out of the province, he/she must call
Medi-Assist immediately. Within Canada and the USA: 1 888 699–9333. From all other
countries: 1 604 419-4487 collect. Please have your travel certificate number and
your Care Card number ready.
If you have a Pacific Blue Cross Extended Health Care and/or Dental plan you are eligible to receive a discount of 10% or more off your Travel Insurance premium. Simply enter your extended health or dental policy number and any applicable discounts will be automatically applied to your purchase.
If you have an Extended Health Plan with Pacific Blue Cross, your Travel Plan will
be first payer. This protects the lifetime limit on your Extended Health Plan.
If you have additional coverage through a benefits plan outside Pacific Blue Cross, we will coordinate cost-sharing of claims with that plan and provider. This will impact your plan as outlined in your spouse’s policy. However, there will be no impact to your existing Pacific Blue Cross extended health coverage.
You may be able to extend your existing Travel Plan. Extensions must be purchased before your existing Plan expires.
Please contact Pacific Blue Cross – we'll review your Travel Plan to see if it is eligible for an extension.
Toll Free (within North America):
1 877 PAC-BLUE (1 877 722-2583)
Our Government health plan covers a limited amount of expenses that are incurred
outside the province. A Travel Plan will pick up costs not covered by our Government
If you take more than 2 trips per year, it may be less expensive to buy 1 Multiple
Trip plan instead of 2 or more Single Trip plans. For example, if you are in the
0 - 34 age group, you take two 15 day trips in one year and if you purchase two
Single Trip plans, it would cost you $86 for both plans. Alternatively, if you purchase
one 15-day Multiple Trip plan, the cost would be $52. Plus you will be covered for
any more trips (up to 15 days in length) taken within the year.
Determine how long your average trip is going to be and buy a plan based on that
length of trip. If necessary, you can extend some of your trips that are longer
This benefit will provide reimbursement of your travel costs if your trip is cancelled
before departure due to a covered risk.
It depends on the illness, its seriousness and its stability. Some illnesses are easily covered. Others require a three or six month stability period, depending on your age. Blue Cross offers the possibility of covering your illness with a medical questionnaire (available for persons aged 61 and over) filled out by your treating physician; Blue Cross’ medical team will then evaluate your condition. If authorized, you can travel worry-free: your chronic illness will also be covered.
A distinction should be made between a statement of health and a medical questionnaire.
A medical questionnaire is an option Blue Cross offers to cover pre-existing conditions for individuals over 61 years of age. You are not obliged to complete this questionnaire, however doing so gives you a definite advantage. In 80% of cases, the questionnaires result in coverage that may otherwise not be granted. Simply have your doctor complete the questionnaire and send it to us. Your health status will then be assessed by the Blue Cross medical director; if your pre-existing condition is stable and does not present an increased risk, it will be covered and you will be able to leave on your trip with true peace of mind.
The statement of health determines what will be covered, what will be excluded and the travel insurance premium. The premium is based on the risks inherent with age, the health condition and trip length.
Yes - Regardless of any existing conditions, we always advise members to still purchase coverage, as it will protect against all other accidents not related to that condition.
Travel insurance policies are designed to provide protection against unexpected emergency medical expenses, trip cancellation or interruption.
Depending on your age and the condition pre-existing medical conditions are covered if they are stable for a certain time period (as specified in your policy) before your policy's effective date.
It is important you review and understand any clauses or definitions in your chosen policy. Each travel insurance policy will uniquely define a pre-existing condition and there are many variations in wording. For example, policies may not cover conditions arising prior to the trip departure date:
Travel policies will also specify a time frame, based on your age that relates to the evaluation of your pre-existing conditions. This time frame could be as short as 3 months but could be 1 year, 5 years or longer.
Some policies may provide coverage for your pre-existing conditions if you complete a more detailed medical questionnaire.
When purchasing our travel policy, we will evaluate pre-existing conditions for people 60 years and younger based on their health within the previous 3 months prior to the day their coverage begins. For people age 61 and over, we evaluate based on their health within 6 months prior.
Travel insurance policies often have limitations of coverage associated with pregnancy similar to the limitations within the travel industry at large. For this reason it is important you understand these limitations prior to commencing your travel.
Travel insurance policies often have limitations of coverage associated with accidents or diseases arising from travel to a location where the Canadian Department of Foreign Affairs has issued a travel advisory or health warning advising Canadians not to travel to this country, region or city.
Coverage limitations and / or exclusions would apply if the advisory is in place prior to purchase of the policy. However, if you have already left on your trip when the advisory is issued, you would be covered should something unforeseen arise.
It is important you review the government’s website for such advisories prior to booking your vacation.
In order for you to qualify to purchase travel insurance, you must have a valid
Care Card number. Although, you are not required to provide it at time of purchase,
we may request it later in order to process your claim.
When applying online, you must pay by using a major credit card.
However, you can mail in an application and enclose a cheque payable to Pacific Blue Cross for the premium. You can also come into our office and apply. Pacific Blue Cross must receive your application and cheque before you depart from BC.
Please follow the instructions on this page on How to Claim Out-of-Province/Out-of-Country Medical Expenses
A request for a refund of premium can be made prior to the Effective date of the policy. Submit your written request to either Pacific Blue Cross or the Broker from whom you purchased the insurance. No refund can be given if you are covered under Trip Cancellation, Emergency Return Benefit and / or an Annual insurance plan. Administrative charges may apply.