About Out-of-Province and Out-of-Country Coverage
Some of the limitations below may apply to your coverage. To find information specific to your plan, consult your benefits booklet. You can also contact your plan administrator or Pacific Blue Cross at 604 419-2000, 1 877 722-2583. Individual Plan members should call 604 419-2200 or 1 800 USE-BLUE(873-2583). Please have your Policy and ID numbers ready.
- Your plan may only cover in-country (Out-of-Province) travel emergency expenses.
Before leaving Canada, ensure Out-of-Country expenses are also covered.
- Your plan may limit coverage to a specific number of days outside of province:
Check to ensure your coverage protects you for the entire duration of your trip.
- You have a lifetime limit on your plan that might be easily depleted by several
nights in a foreign hospital. In many cases, your lifetime limit encompasses all
expenses paid under your plan (i.e., drug costs, paramedical costs, etc). The way
to determine if this is the case for you is to check the Out of Province Emergency
coverage section in CARESnet. If there is no maximum indicated, all expenses from
a travel emergency are charged against your overall lifetime limit (this amount
is indicated in the Plan Amounts section of CARESnet).
- You have a pre-existing medical condition: Any medical emergencies related
to a pre-existing condition may not be covered.
- If you are pregnant and plan to travel within 2 months of your expected delivery
date, any expenses incurred related to therapeutic abortion, childbirth or complications
of your pregnancy occurring are not covered.
Do you need additional travel coverage?
Most people, even those with Extended Health Care coverage,
benefit from purchasing additional travel coverage so they are fully protected.
However, it's always advisable to start by investigating the limits of your
existing Extended Health Care plan. We've put together this comparison to help you understand the differences between out-of-country coverage in your group health plan vs. additional travel coverage available from Pacific Blue Cross.
Are you making a claim for emergency medical expense while travelling?
To learn how to make a claim for an emergency travel medical expense, click here. The process differs depending on which province
or territory you live in. Each province has claiming deadlines; therefore, it is
crucial to submit out-of-province and out-of-country claims immediately.