Sell Canada's most trusted brand of travel insurance.
All our plans include:
- Free for Kids Only Pacific Blue Cross covers kids of all families for free when you buy travel medical insurance – whether it’s for one parent or two.
- Up to $10 million of emergency medical care
- 24/7 access to a team of professionals to connect you with local resources.
- Direct Pay — We will pay any providers directly.
- Coverage for pre-existing conditions — As long as your pre-existing condition meets a minimum stability period you can receive full protection.
- Emergency medical expenses:
This includes any hospital fees (for a private or semi-private room), nursing fees, drug costs, incidental hospital expenses (television, parking etc), the cost of medical appliances (crutches, canes, wheelchairs), physician and professional fees, diagnostic services (lab tests, xrays), and emergency dental care.
- Repatriation costs:
In addition to paying for you to return to your province or residence to receive immediate medical attention*, we will arrange to have your vehicle returned, your pet returned and your baggage returned. Should an insured person pass away, we cover the cost of repatriating the deceased.
- Medical Follow-up in Canada:
We cover select treatment costs following repatriation.
- Ambulance and taxi fees:
We will pay for the cost to transport a sick or injured person to the nearest Hospital or accredited medical facility.
- Transportation to visit the covered person:
We will cover the cost of round trip, economy class transportation for a family member or friend to visit a sick or injured person in hospital. We also cover the expenses of this visitor while he/she is staying close by up to $300 per day to a maximum of $1,200.
- Subsistence allowance:
We will reimburse you up to $300/day to a maximum of $3000 for accommodation, meals, essential phone calls and transportation by taxi if your return is delayed due to illness or injury.
*Requires the authorization of the attending physician and CanAssistance
Additional Coverage Options
- Trip Cancellation or Interruption:
We will reimburse your travel costs if your trip is cancelled before the planned departure or interrupted after your trip has begun.
- Air Flight Accident:
We insure you if you lose your life or the use of a limb in an air flight accident.
- Accidental Death and Dismemberment:
We insure you if you lose your life or the use of a limb in a non-air flight-related accident.
- Emergency Return:
We will cover transportation expenses for you to return home and possibly back to the holiday destination in the event of an emergency.
- Baggage loss, delay or damage:
We provide payment to cover the cost of lost baggage or the cost to purchase items while baggage is delayed.
FAQ – Trip Cancellation & Interruption
What exactly does Trip Cancellation and Interruption insurance cover?
With this benefit, we will reimburse your non-refundable travel costs in the event that any Covered Person or travelling companion experience an accident, illness, or other unforeseen fortuitous event – an event that happens by chance and not on purpose - that is beyond their control.
I had a huge problem with my airline refund because of COVID and they only gave me a credit, I never got my money back and I’m so mad I’ll never use that airline. I’m going to purchase Trip Cancellation insurance so that doesn’t happen again.
Our Trip Cancellation plans are intended to cover non-refundable prepaid travel expenses related to your travel. If you are offered a credit or any kind of voucher from your trip provider, even if you choose to refuse them, then we would not reimburse these costs. We consider a voucher or credit to be a refund.
I want to add trip cancellation insurance to my plan but I bought it two weeks ago. Can I do that?
We can certainly offer you trip cancellation from today’s date so that you have coverage up to your departure date, but we can’t backdate the policy to the day you purchased the trip.
Also, it is important to know that because you purchased more than 72 hours ago, there will be a 72 hour waiting period before you can make a claim. Today is Monday, so you would not be able to make a claim for anything that happens before Thursday. Does that still work for you?
If your plans don’t pay me if I have to cancel because of COVID, why would I even bother right now?
Our trip cancellation plans still protect you for all of the unforeseen reasons that existed before COVID. You could be out a lot of money if you or one of your travelling companions was in a car accident, or if a loved one fell ill and you had to cancel your travel plans to care for them.
If I purchase trip cancellation insurance, and I have to cancel because I’ve caught COVID, will I be able to get my trip costs reimbursed?
Yes. If you or your traveling companion contract COVID-19 and are forced to cancel your travel plans, you can make a claim against your policy, subject to all of other exclusions, such as pre-existing conditions. If you have already experienced symptoms of COVID prior to purchasing the insurance, you may not be able to make a claim. Please read the policy document thoroughly.
FAQ – Leveraging the new Travel Contract language to help you explain coverage to our Members
Member lives in Vancouver. She tells you, “We are visiting with my parents for a few days in Kelowna and then we will fly out of the airport to Disneyland from there. I only need coverage from August 14th to August 21st. “
In order for your coverage to be valid, you must have purchased coverage for your entire Trip. What we mean by Trip is, “the time between and inclusive of the date that you leave your ordinary residence in Canada to the date you return to your ordinary residence in Canada.”
I don’t want to pay for coverage from when I leave my house. That doesn’t make sense, it’s not part of my vacation and it will cost more! OR Is it worthwhile to buy a PBC travel plan if I’m staying in BC this summer?
Actually, there are certain benefits in your travel plan that begin as soon as you leave your ordinary residence in Canada.
Let’s say you’re leaving your house on August 12th. You stop at a restaurant on your way to the airport, and you slip and fall, badly twisting your ankle.
Even though you haven’t left BC and your MSP covers your medical costs, you may have to delay your departure by a few days. Or, you may get stuck overnight in the city, waiting for the next available flight. PBC travel plans have options to protect you for these unexpected expenses, even if you haven’t left your home province!
In my Annual plan, when do I start counting my coverage days?
Your coverage starts on your Departure Date, which means the day your Trip starts – and this is the date that you leave your ordinary residence in Canada. So you start counting your days as soon as you leave your house – even if you make stops in Canada before you travel internationally.
FAQ – Eligibilty
After the travel bans are lifted, am I covered for COVID if I purchase the pre-existing condition coverage?
It depends. All pre-existing conditions must be stable for at least 7 days prior to departure, so be sure to check these to make sure you can meet these eligibility requirements. However, there are other restrictions for COVID specifically.
You are not able to purchase travel insurance with us if, within the past 30 days, you have:
- tested positive for COVID-19; or
- been diagnosed with COVID-19 by a medical professional; or
- been Quarantined for any reason, including as a result of contact tracing
Also, as with any pre-existing condition, please check with your physician to make sure that they have cleared you for travel before you leave, because your coverage may be void if you have been advised against traveling by a Physician or other primary care provider – even if you purchase the pre-existing condition waiver.