Group benefits vary from plan to plan.  For details visit your Pacific Blue Cross Member Profile

If you have travel insurance provided by your employer through your group extended health plan, be sure to check your benefits and coverage limitations, as well as the government travel advisories for your destination(s) before you travel. Your plan includes a pre-travel service through Medi-Assist which can help provide information on Government Advisories and recommended vaccinations for your destinations. Call 1-888-699-9333 (toll-free within Canada or the US) to learn more.

If you have questions about your prescription(s) please reach out to your pharmacist.

Stocking up on larger quantities of medicines can create challenges for others. Your pharmacist will work with you to determine your best options for early refills and prescription quantities. They will use their best judgment to ensure that everyone gets the medicines they need to support overall health and wellness.

Pacific Blue Cross supports the recommendations put forth by the British Columbia College of Pharmacists determining best practices for Early Refills and Emergency Supplies.

The BC Pharmacy Association has created an information sheet for patients to help you understand the regulations around prescription renewals and emergency refills.

Pacific Blue Cross has a robust Preferred Pharmacy Network to support affordable  access for your medications.

For Blue RX members, Pacific Blue Cross will align with PharmaCare to modify the criteria for initial coverage of the following anticoagulants so that a prior trial of warfarin therapy and subsequent lab tests will no longer be required. Affected drugs include:

• Rivaroxaban (Xarelto®)
• Apixaban (Eliquis®)
• Edoxaban (Lixiana®)
• Dabigatran (Pradaxa®)

For further details, please refer to BC PharmaCare Newsletter Edition 20-006: https://www2.gov.bc.ca/assets/gov/health/health-drug-coverage/pharmacare/newsletters/news20-006.pdf

Claims with a positive COVID-19 diagnosis will be processed and paid based on the regular guidelines.  An elimination period will be applied to all COVID-19 claims in line with policy provisions. An attending physician’s statement/positive test result will be required for COVID-19 claims. The insured and employer will be required to provide completed claim forms for COVID-19 claims.

If you have been advised to self-monitor for symptoms because you may have been exposed to someone who is infected but don’t have any symptoms yourself, you will not be eligible for disability benefits. We suggest that you contact the HR department within your organization or apply for EI benefits.

If your organization decides to suspend operations temporarily and you are asymptomatic, you will not be eligible for benefits.  You will need to speak to your organization to discuss payment options.   

If you are already out of country when you become ill and are hospitalized for treatment that is medically necessary, the terms of the policy would be met. If the claim is allowed, an elimination period will be applied in line with policy provisions. An attending physician’s statement/positive test result will be required for COVID-19 claims. The insured and employer will be required to provide completed claim forms for COVID-19 claims.

As quarantine is the medically necessary treatment for diagnosis of COVID-19, as an industry, we have determined that we will assess self-quarantine claims and consider up to the 14-day maximum.  While you are out of country, you would be following instructions of physicians; therefore, this would meet the terms of the policy.  If the claim is allowed, an elimination period will be applied in line with policy provisions, but the maximal period considered would be 14 days, subject to the other provisions of the policy. In this case, the fact that the diagnosis has been made implies that the quarantine has been medically directed (vs. self-quarantine which is not medically directed). An attending physician’s statement/positive test result will be required for COVID-19 claims. The insured and employer will be required to provide completed claim forms for COVID-19 claims.

An STD claim for quarantine and mild symptoms with no positive COVID-19 test does not meet the definition of disability under the policy and does not qualify for disability benefits. The claim will be denied, and the individual will be redirected to EI.

An STD claim for a quarantine with no positive COVID-19 test does not qualify for disability benefits.  The claim will be denied, and you will be redirected to EI.

An STD claim for a directed quarantine with no symptoms is not payable. You should be referred to EI for benefits.

If you file a Short Term Disability claim for flu-like symptoms but have not been tested for COVID-19, the case will be processed as a normal STD claim. The waiting period applies.   We will accept the updated Plan Member Confirmation of Illness Form (coming soon).

Visit travel.gc.ca/travelling/advisories for up-to-date travel advice and advisories.

Trip Protection/Cancellation insurance will not pay expenses if you’re denied boarding.

Trip Protection/Cancellation insurance requires that any compensation provided by the travel supplier, including vouchers for credit, is generally deducted from the amount eligible for reimbursement.

Know the entry requirements for the destination you are visiting and follow these directions (ie. 14 day quarantine).

Effective as of January 7, 2021, all travelers entering Canada by air must provide a negative COVID lab test result in order to enter the country. Your Pacific Blue Cross travel or Visitor to Canada plan does not cover the cost of the COVID test. Lab tests are only considered when they are ordered by a doctor in an acute medical emergency situation. If you have trip interruption coverage and need to change your flight to get testing done, the cost of the new flight will not be covered by trip interruption coverage. COVID-19 is a situation known prior to travel and we do not cover any COVID-19 related trip protection expenses.

Know that if you need to return to Canada for medical care, your options may be limited due to the decreased availability of flights. Be prepared to return to Canada quickly should the Government of Canada raise the Travel Advisory level to avoid all non-essential travel due to COVID-19. Your travel insurance benefits may be limited. Upon return to Canada, you will be subject to federal and provincial/territorial governments’ requirements regarding quarantine, testing, and exposure.

Your options to extend your policy after departure may be limited, so make sure you check with your insurance company.

Make sure you register your trip with the Register of Canadians Abroad www.travel.gc.ca/register so the Canadian government can keep you informed while abroad.

If you have one or more of the above symptoms, start by contacting our medical assistance service, Medi-Assist.  They can be reached by calling collect to 1-604-419-4487 or 1 888 699-9333 (toll-free) in Canada and the US.

Medi-Assist will assess the symptoms you describe and direct you as needed to a hospital or clinic for the appropriate care. Depending on your situation and needs, they may also:

• Provide simultaneous interpretation to help you communicate with health care personnel
• Advance funds to a service provider if you are required to pay for care up front
• Plan emergency repatriation to your home province if you are hospitalized
• Monitor your case closely until you’ve recovered

During your consultation, inform the physician if you have visited any high-risk areas (a farm, a public market, etc.) or been in contact with any animals or persons who showed symptoms associated with coronavirus.

If you develop symptoms upon returning to Canada:

• Stay at home and avoid contact with others
• Follow up with your health care professional or call 8-1-1 for assistance

If you develop fever, cough or difficulty breathing:

• Call 8-1-1, your health care provider or local public health authority.
• Tell them your symptoms and that you were travelling outside of Canada.
• Let them know whether you have had direct contact with animals or a sick person, especially if they have had symptoms.

If you are ill and must visit a health care professional:

• Call ahead or tell them when you arrive that you have a respiratory illness.
• You may be asked to wear a mask while waiting for or receiving treatment to prevent the spread of the illness.

If you feel sick during travel to Canada or upon arrival:

• Inform the flight attendant, cruise staff or a Canadian border services officer.
• They will decide whether you need further medical assessment by a quarantine officer.

As of March 13, 2020 the Canadian government has issued a warning to avoid non-essential travel outside of Canada due to Coronavirus (COVID-19).

It is very important to note that you are not covered for expenses incurred for a medical condition resulting from an infectious disease or illness for which there is a travel advisory or health warning by the Canadian government and published or broadcast in the media prior to the your departure date unless you are fully vaccinated according to Health Canada guidelines.  This includes having had both doses of a COVID-19 vaccine unless there is a single shot vaccine available.

If you choose to travel while advisories remain in place, but before you are fully vaccinated, individually purchased travel medical insurance will continue to cover you for emergency medical care that is not part of a Canadian government travel advisory. Also, if you are sick before your departure, that illness may not be covered by your insurance policy. If you develop symptoms associated with COVID-19 before your vacation, it may be wiser to avoid travelling altogether. For more information, read the clauses about preexisting conditions in your insurance policy closely or contact your insurer.

If you have travel insurance provided by your employer through your extended health plan, be sure to check your benefits and coverage limitations before you travel.

Coronaviruses are a large family of viruses that are typically associated with mild illness, similar to the common cold.  COVID-19 is a new disease that has not been previously identified in humans. Rarely, animal coronaviruses can infect people, and more rarely, these can then spread from person to person through close contact. For details visit the Canadian Government website on Coronavirus disease (COVID-19) and the Coronavirus disease (COVID-19): Frequently asked questions (FAQ).

Those who are infected with COVID-19 may have little to no symptoms. You may not know you have symptoms of COVID-19 because they are similar to a cold or flu.

Symptoms may take from 2 to 14 days to appear after exposure to COVID-19. This is the longest known infectious period for this disease.

Symptoms have included:

• Fever
• Cough
• Difficulty breathing
• Pneumonia in both lungs

Most people develop only mild symptoms. But some people, usually those with other medical complications, may develop more severe symptoms, which can be fatal.

There are currently no vaccines available to protect you against COVID-19. In general, the following advice can help reduce the risk of infection or spreading infection to others:

• stay home if you are sick
• when coughing or sneezing:
• cover your mouth and nose with your arm to reduce the spread of germs
• dispose of any tissues you have used as soon as possible and wash your hands afterwards
• wash your hands often with soap and water for at least 20 seconds
• avoid touching your eyes, nose, or mouth with unwashed hands
• avoid visiting people in hospitals or long-term care centres if you are sick

If you want to know more visit Coronavirus disease (COVID-19): Prevention and risks.