Worry-free travel insurance for British Columbians

Get affordable protection from unexpected travel costs like medical emergencies, trip cancellation fees, baggage issues and more. Free coverage for kids.

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Get comprehensive coverage online in just four minutes.

Choose a travel insurance plan to get started

Emergency Medical

Enjoy up to $10M in coverage for emergency medical care while travelling outside of BC or Canada.

Trip Protection

Reimburses pre-paid, non-refundable expenses if your trip is cancelled or interrupted due to a family emergency, extreme weather or other unforeseen event.

Bundle and save by adding Trip Protection to your Emergency Medical plan.

Which plan is right for me?

Annual plans

Perfect for:

  • British Columbians who travel out-of-province more than once per year
  • Remote workers, cross-border shoppers
  • Last-minute travellers who want convenient, year-round coverage

Single Trip plans

Perfect for:

  • British Columbians who want the most affordable coverage option on only one out-of-prvince trip per year

Why pack our travel insurance

No deductible, no surprises

Our Emergency Medical plans cover you up to $10M from your first claim. This means you won't pay any unexpected costs in a covered medical emergency for faster, worry-free care.

Free for kids

Kids are covered for free when you buy an Emergency Medical plan. As long as one adult is insured, all travelling dependents aged 21 or under are covered under the same plan.

Healthcare with heart

As a BC's only not-for-profit health benefits provider, we support over 300 organizations improving health and wellbeing in our province each year-- including Make-A-Wish.

The most coverage on health conditions

Our optional Pre-existing Condition coverage protects you up to $10M as long as your symptoms don’t change seven days before you leave.

Always on call

Get anytime help in over 100 languages should an emergency occur while you are travelling, whether you lose a passport or want to find the best medical care nearby.

Added value for members

Have a group or personal health plan with us? Get travel with us too. Our travel plans are first payer, which protects the lifetime maximums on your health plan. Plus, members always save 10%.

Questions? We're here to help.

  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. How do I get free travel coverage for my kids?

    When you purchase Travel Medical insurance for one or two adults, each dependent child 21 years of age or younger who is subsequently added to your travel policy will receive free emergency medical coverage up to $10,000,000.

  3. Why should I purchase an Annual plan instead of a Single Trip Plan?

    Annual plans cover you across an entire year of travel. They are the most convenient, cost-effective option if you travel more than once per year. Choose an Annual plan that will cover your longest trip outside of BC or Canada, and you’ll be covered for all the other ones in between.

  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.

  6. Are there vaccinations that I should get prior to travel?

    When travelling internationally, you may be at risk for a number of diseases which are common in other parts of the world. You can learn more about Travel Vaccines on our Vaccination page.

Need additional travel wellness tips? Trust BC’s health experts.

Group vs. individual travel coverage

Is your group out-of-country travel coverage enough? Understand and compare coverage options for peace-of-mind travels.

Know before you go

Get travel tips for you and your family as you prepare for your trip.

Travelling with health changes?

Find out how this may impact your travel coverage.

Choose the right travel coverage for your family

Our top five tips for choosing the right travel insurance for your next out-of-province family trip.

Save 10% as a Pacific Blue Cross member

Ready to get covered online now in just four minutes? Make sure you have the following ready:

 ☑ Name and birthdate of travellers

 ☑ Travel dates

 ☑ Pacific Blue Cross Policy and ID number, if you’re a member

 ☑ Medical history for travellers over 60 only


Talk to a travel insurance expert

Get your questions answered and confidently buy travel insurance over the phone.

1 866 366-0289

Monday to Friday 8 am to 4:30 pm PST excluding statutory holidays.

You can also send us an email or talk to your trusted broker.