Québec Blue Cross is a not-for-profit company that has provided health insurance to residents of Québec for over 80 years. It operates as part of the Canadian Association of Blue Cross Plans.
Québec Blue Cross’s first travel insurance plan launched in 1977. They now offer life insurance, health insurance, and have a wide range of travel insurance plans for Québec and Ontario residents and visitors to Canada.
Advantages
- A large number of plans and protection to choose from.
- Easy to use online quote system that lets you compare plans and change information on the fly.
- Free coverage for dependent children on the same Emergency Medical Care plan – only the two oldest insured individuals need to pay.
- No age limit on most plans.
Disadvantages
- It can be confusing to choose the right plan, given that there are so many plan options.
- Families in groups of 6 or more, or travellers above age 75, cannot purchase online and have to call instead.
- Older travellers need to fill out a lengthy medical questionnaire.
Overview
Quebec Blue Cross offers a range of travel insurance products to its clients, including annual and single-trip plans, as well as plans tailored for travel within Canada.
The company offers the following travel insurance for Canadians:
- Emergency Medical Care Single-Trip Plan
- Emergency Medical Care Multi-Trip Annual Plan
- 3-in-1 Package Plan
- Trip Cancellation and Interruption Plan
- Accidental Death or Dismemberment Coverage
- Baggage Coverage
Quebec Blue Cross Emergency Medical Care Single-Trip Plan
This plan includes up to $5 million in emergency medical insurance for a single trip within or outside of Canada.
The policy covers hospitalisation, dental care, paramedical treatments, follow-ups, ambulance costs, and subsistence allowance. It does not include trip cancellation or interruption, accidental death or dismemberment, or baggage.
You can get a quote for any period of time, up to 365 days outside of Canada. However, if you are travelling within Canada, the maximum trip length is 182 days.
The stability period requirement for this policy is between 3 and 6 months, depending on age and the number of days travelled.
Quebec Blue Cross Emergency Medical Care Multi-Trip Annual Plan
This plan offers emergency medical coverage of up to $5 million per insured for multiple trips in one year. You can choose between 4, 8, 17, 31, 60, 90, 120, 150 or 180 days maximum trip lengths.
The policy provides the same coverage as the emergency medical care single-trip plan: hospitalisation, dental care, paramedical treatments, follow-ups, ambulance costs, and subsistence allowance. It does not include trip cancellation or interruption, accidental death or dismemberment, or baggage.
The stability period requirement for this policy is between 3 and 6 months, depending on age and the number of days travelled.
Quebec Blue Cross 3-in-1 Package Plan
The 3-in-1 Package Plan includes emergency medical care, accidental death or dismemberment, and baggage coverage in one plan.
The policy provides up to $5 million in emergency medical care, including, but not limited to, hospitalisation, paramedical services, transport to a hospital or medical facility, and subsistence allowance. The plan also includes up to $300,000 coverage for accidental death and dismemberment, and up to $1,000 in the event your travel baggage is lost, stolen or damaged.
This plan is available exclusively online.
Quebec Blue Cross Trip Cancellation and Interruption Plan
This plan is designed for travellers who need to cancel, modify, interrupt or extend their trip due to an insured risk.
You can choose to have both trip cancellation and trip interruption or trip interruption only.
You can also add a Cancel For Any Reason (CFAR) addition, which allows cancellation for reasons other than the insured risks. Up to 75% of the insured travel expenses, or up to $4,000 per person, can be reimbursed with the CFAR addition.
Quebec Blue Cross Accidental Death and Dismemberment Plan
The Accidental Death and Dismemberment Plan provides coverage in the event of death, loss of vision, or the loss of one or more limbs due to an accident during your trip.
The maximum amount you could receive is $300,000.
Quebec Blue Cross Baggage Plan
The Baggage Plan covers you if your luggage is lost, stolen or damaged during your trip.
You can get up to $1,500 coverage for the following three benefits:
- For lost, stolen or damaged luggage,
- Delay of checked baggage (up to $500 maximum),
- Replacing official documents (up to $250).
Comparison Chart for Quebec Blue Cross Travel Insurance Plans
Plan | Medical Insurance Coverage | Deductible | Trip Cancellation and Interruption | Baggage | Maximum Age and Maximum Length of Coverage |
Emergency Medical Care Plan Single-Trip | $5 million | Up to $5,000 | ❌ | ❌ | No age limit |
Emergency Medical Care Multi-Trip Annual Plan | $5 million | Up to $5,000 | ❌ | ❌ | No age limit |
3-in-1 Package Plan | $5 million | No deductible | ❌ | $1,000 | Up to age 55 |
Trip Cancellation and Interruption Plan | ❌ | No deductible | Trip cancellation up to the amount paid for your trip.
Unlimited trip interruption. | ❌ | No age limit |
Accidental Death or Dismemberment Plan | Coverage only for loss of limb, vision, or death. | No deductible | ❌ | ❌ | No age limit. |
Baggage Plan | ❌ | No deductible | ❌ | $1,500 | 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.
- Free coverage for dependent children on the same Emergency Medical Care Plan. Only the two oldest travellers on the plan need to pay.
- You can get a 5% discount when you renew a 3-in-1 Annual Package plan.
Refunds
- You need to submit your refund to the agent you got your policy from. All refunds are subject to an administrative fee of $25.
- You may get a full refund of your policy if you apply before the contract start date or after the start but within 10 days of purchase, as long as you have not submitted a claim and your policy is not less than 10 days.
- You may get a pro-rated refund for an unused part of your policy if you haven’t made a claim.
- No refunds are available for the Trip Cancellation and Interruption Plan or Multi-Trip Annual Plan.
You Need to Know
- Quebec Blue Cross travel insurance products are underwritten by both Canassurance Insurance Company and Pacific 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.
- 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 Quebec Blue Cross for up-to-date information.
How to Learn More
You can learn more about Quebec Blue Cross Travel Insurance plans online or by calling toll-free 1-888-822-5383.
If you are travelling in a family of more than six, or you are age 76 or older, wanting to purchase a policy, you need to call 1-855-906-8990.
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 BestQuote Travel Insurance, let you compare quotes for travel insurance from several companies at once. Type in a few details about your trip, and compare policy coverage and prices to help narrow down your choice.
Click here to learn more on the BestQuote website.
*Note: BestQuote Travel Insurance does not sell insurance to the province of Quebec.*