Quebec Blue Cross is a not-for-profit company that has provided health insurance to residents of Quebec for 65 years.

The Quebec Blue Cross travel insurance packages are offered through Useblue.com, which also provides travel insurance for Ontario Blue Cross.

Advantages

  • A large number of plans and protection to choose from
  • Visitors to Canada insurance is available
  • Easy to use online quote system that lets you compare plans and change information on the fly
  • No deductible

Disadvantages

  • You have to enter an email address to get a quote
  • It can be confusing to choose the right plan,  given that there are so many plan options
  • If you’re age 55 to 75 who and planning to travel for 32 days or more, and/or aged 76 and up you’ll need to call an agent to get a quote
  • If you are aged 76 or older, you’ll have to fill a lengthy medical questionnaire

Overview

Quebec Blue Cross provides many travel insurance products to its clients including annual and single trip plans, and plans specifically made for travel within Canada.

Policies and coverage can change at any time, without warning. This article is only intended as general advice. Please check your own policy carefully.

The company offers Annual Emergency Medical Care Plan, Annual Plan with Package option, Emergency Medical Care Plan, Summertime Blue, Canada Package, Canada Package without Trip Cancellation, Package Plus, Package Plus without Trip Cancellation, Visitors to Canada Plan, Foreign Student Visitors to Canada Plan, Foreign Worker Visitors to Canada Plan, Immigrant Visitors to Canada Plan and a stand-alone Trip Cancellation or Interruption plan.

Annual (Multi-trip) Emergency Medical Care Plan

This plan offers emergency medical coverage of up to $5 million per person per individual for multiple trips in one year. You can choose between 17, 31, 60, 90, 120, 150 or 180 days maximum trip lengths.

This plan doesn’t include trip cancellation, interruption or baggage insurance.

Annual (Multi-trip) Plan with Package Option

This plan provides insurance for multiple trips during a single year, and offers emergency medical coverage of up to $5 million per person.

You can choose from 17, 31, 60, 90, 120, 150 or 180 days for the maximum length of the trip.

There are four different plans available, with different amounts of trip cancellation benefits:  Package $1,500 (with $1,500 in trip cancellation), Package $2,000, Package $2,500 and Package $5,000. All four plans include unlimited trip interruption and $1,500 baggage.

Emergency Medical Care Plan

This plan includes up to $5 million in emergency medical insurance for a single trip. It doesn’t include trip cancellation or interruption, but they can be purchased as an optional add-on.

Summertime Blue Plan

The Summertime Blue plan will cover unlimited  trips from June 2 to September 2. This plan includes up to $5 million emergency medical insurance per person, and doesn’t include trip cancellation, interruption or baggage, but you can buy these as an optional add-on.

Canada Package

This plan is only available for Canadians traveling within Canada.

It includes up to $5 million in emergency medical insurance, trip cancellation of up to the amount of your trip, unlimited trip interruption cover, and up to $1,500 baggage amount among other benefits. There’s a 182 day maximum trip length.

Canada Package without Trip Cancellation

This plan is for Canadians traveling within Canada only and offers $5 million emergency medical insurance. It does not include trip cancellation or trip interruption insurance. There’s a 182 day maximum trip length.

Package Plus

This plan is for a single trip, and offers $5 million in emergency medical coverage, trip cancellation for the amount of your trip, unlimited trip interruption, and up to $1,500 baggage insurance.

Package Plus without Trip Cancellation

This plan is for a single trip, and offers $5 million in emergency medical coverage. Trip cancellation and trip interruption aren’t included, but there is $1,500 baggage insurance.

Package Plus without Emergency Medical Care

Admittedly, the naming of this policy is a bit odd, as it’s essentially just a single trip cancellation and trip interruption policy. There are no no emergency medical insurance or other benefits are included.

Comparison Chart for Quebec Blue Cross Travel Insurance Plans

PlanMedical Insurance CoverageDeductibleTrip Cancellation and InterruptionBaggageMaximum Age and Maximum Length of Coverage
Annual Emergency Medical Care Plan5 million0No age limit. Maximum trip length of 17, 31, 60, 90, 120, 150 or 180 days. Dependent children aged less than 31 days will not be covered by this plan.
Annual Plan with Package option5 million0Trip cancellation $1,500, $2,000, $2,500 or $5,000. Trip interruption unlimited.$1,500No age limit. Maximum trip length of 17, 31, 60, 90, 120, 150 or 180 days. Dependent children aged less than 31 days will not be covered by this plan.
Emergency Medical Care Plan5 million0No age limit. Dependent children aged less than 31 days will not be covered by this plan.
Summertime Blue5 million075 years and below. Unlimited amount of trips from June 2nd to September 2nd.
Canada Package5 million0Trip cancellation up to the amount paid for your trip. Unlimited trip interruption.
$1,500No age limit. 182 day maximum trip length. Dependent children aged less than 31 days will not be covered by this plan.
Canada Package without Trip Cancellation5 million0$1,500No age limit. Dependent children aged less than 31 days will not be covered by this plan.
Package Plus5 million0Trip cancellation up to the amount paid for your trip. Unlimited trip interruption.
$1,500No age limit
Package Plus without Trip Cancellation5 million0$1,500No age limit
Trip Cancellation and Interruption0Trip cancellation up to the amount paid for your trip. Unlimited trip interruption.
No age limit

Tips for Saving with Quebec Blue Cross Travel Insurance

  • If you have another policy with Quebec Blue Cross, you may qualify for discounts on your travel insurance.
  • There are special rates available for families.

Refunds

  • You need to submit your refund from the agent you purchased your policy from. You may get a pro-rated refund for an unused part of your policy if you haven’t made a claim. All refunds are subject to an administrative fee.
  • You must make a refund claim in writing.

You Need to Know

  • Quebec Blue Cross travel insurance products are underwritten by Ontario Blue Cross.
  • You need a valid Canadian Government Health Insurance Plan (except for visitors to Canada plans)
  • You need to depart from and return to your province of residence at the end of the trip.
  • You must apply for coverage before leaving on your trip. World Nomads is one of the only insurers we’ve found that offers insurance if you’ve already left on your trip.
  • Policies and coverage can change at any time, without warning. This article is only intended as general advice. Please check your own policy carefully and visit Pacific Blue Cross for up to date information.

Visitors to Canada Plan

  • This plan is designed for non-Canadians and their families travelling in Canada or returning Canadians that are not eligible for the Canadian Government Health Insurance Plan.
  • You can choose from medical coverage of $50,000, $100,000 or $150,000 coverage for non-Canadian visitors and their families. Benefits include emergency medical care, emergency travel assistance, and emergency vehicle return and subsistence allowance.
  • The Visitors to Canada Plan from Quebec Blue Cross meets the requirements to obtain a Super Visa (minimum coverage of $100,000).
  • You need to buy this plan before you arrive in Canada or within the first 30 days of arrival in Canada. If you buy this plan after you arrive in Canada, there’s a 72 hour waiting period.

Foreign Student Visitors to Canada Plan

This plan provides up to $100,000 coverage for foreign students age 49 and under while studying in. Students must have a full time status with a learning institution in order to qualify. Benefits include emergency medical care, emergency travel assistance, and emergency vehicle return and subsistence allowance. The maximum length of this plan is 365 days.

You need to buy this plan before you arrive in Canada or within the first 30 days of arrival in Canada. If you buy this plan after you arrive in Canada, there’s a 72 hour waiting period.

Foreign Worker Visitors to Canada Plan

The plan is designed for foreign workers aged 69 and below who are not eligible to enroll for group insurance. This plan includes up to $100,000 coverage for non-Canadians who are working in Canada Benefits include emergency medical care, emergency travel assistance, and emergency vehicle return and subsistence allowance.

To get this plan, you will need to successfully complete the necessary medical test required by the Canadian Government and are required to have proof of active employment during the period of coverage.

The maximum length of this plan is 365 days.

You need to buy this plan before you arrive in Canada or within the first 30 days of arrival in Canada. If you buy this plan after you arrive in Canada, there’s a 72 hour waiting period.

Immigrant Visitors to Canada Plan

This plan is for Landed Immigrants to Canada who are age 69 or younger. Coverage includes up to $100,000 for Canadians waiting for the processing their Canadian citizenship. Benefits provided include emergency care medical cover, emergency travel assistance, and emergency vehicle return and subsistence allowance. The maximum length of this plan is 365 days.

You need to buy this plan before you arrive in Canada or within the first 30 days of arrival in Canada. If you buy this plan after you arrive in Canada, there’s a 72 hour waiting period.

How to Buy

You can purchase Quebec Blue Cross Travel Insurance plans online with a credit card. If you’re over 54 years old and traveling for over 31 days, you won’t be able to buy your policy online.

You can purchase insurance by phone at 1-877-909-7686.

Want to Compare Quebec Blue Cross’ Travel Insurance Rates?

The easiest way to compare Canadian travel insurance rates is to use a comparison website.

Comparison websites, like Kanetix.ca, let you compare quotes for travel insurance from several different companies at once. Type in a few details about your trip, and compare policy coverage and prices to help narrow down your choice.

Check out our review of Kanetix.ca.

*As always, the information in this post is from one Canadian traveller to another and please remember, we are not travel insurance agents. We have just spent years abroad and have gotten to know the ins and outs of the industry. If you have any travel insurance questions, please talk to a qualified travel insurance agent or broker. Finally, insurance plans can and do change all the time so always consult your insurance policy since that is the legal document to which you are agreeing to.