Travel Insurance

Enjoy healthy travels by packing travel insurance from Pacific Blue Cross. Voted Canada’s most trusted brand of travel insurance 3 years in a row.

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Why British Columbians choose our Travel Insurance

Experts in Healthy Travels

After all, travel insurance is about your health and we're the health benefits expert.

Canada's Most Trusted Travel Brand

Canadians voted Blue Cross as their most trusted brand of travel insurance again for 2018.

BC's #1 Health Benefit Provider

With 750 local employees, you can be sure our plans are designed for British Columbians

You Save as a Member

Members always save an extra 10% and our family plans cover your children for free.

Always on Call

Our emergency assistance team doesn't take a day off.  They're available 24/7 should an emergency occur while you are travelling.

World's Most Recognized Coverage

So from Tacoma to Timbuktu, you're packing the symbol recognized around the world at your time of need.

First Payer

If your employer provides you with benefits from Pacific Blue Cross, our plans protect your lifetime maximum.

A Proud Partner

We are the travel insurance partner of Children's Wish, helping grant heartfelt travel wishes to children with life altering illnesses.

Choose one of our Travel Insurance plans below to get started

Travel Medical

Emergency medical coverage for British Columbians who make two or more trips outside of BC each year.

Why do I need this?

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Visitors to
Canada

Emergency health coverage for tourists, workers, new immigrants and students visiting BC.

Why do I need this?

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Trip
Protection

Peace of mind coverage for travel costs related to unexpected cancellations, interruptions and delays.

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A few frequently asked questions about Travel Insurance

  1. Why do I need Travel Insurance?
    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.
  2. What if I have coverage under my spouse's 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.
  3. Why should I purchase Multiple Trip plan instead of Single Trip Plan?
    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.
  4. Can I buy travel insurance if I have an existing medical condition?

    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:

    • that are unstable
    • where symptoms of an illness appeared
    • that have been diagnosed or treated
    • where medications have been changed

    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.

  5. I have a chronic illness.  Am I still covered?
    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.

Looking for other types of coverage?

Personal Health Insurance

Our Personal Health Insurance plans providers coverage for people who are not covered by an employer group plan

Learn More

Critical Illness Insurance

Our Critical Illness Insurance can help manage your ongoing financial obligations in the unfortunate scenario of recovering from a serious disease

Learn More