Blue Cross Insurance Plan

Pre-existing conditions coverage

• Age 55 and under: Covers if stable in 3 months prior insurance effective date
• Age 55 to 79: Covers if stable in 6 months prior insurance effective date
• All ages: No coverage if you have already been treated or recommended to receive treatment for Cardiovascular conditions, neurological conditions and/or Pulmonary conditions. Further details are in policy wording.

Note: Does not cover any heart condition for which you have used nitroglycerin

Medical questionnaire required?

Hospital accommodation

Semi-private room 

Prescription drugs

Covers medication required for emergency treatment

Follow-up visits

Covers claims arising from sudden and unexpected situations (i.e., accidents and emergencies) and typically not follow-up or recurrent care.

Private duty nurse

Covers if required medically.

Ground or air transportation

Covers ground and/or air transport when medically necessary.

Dental coverage

Covers up to $2000 for treatment required as a result dental accident

Note: conditions apply. Further details are in policy wording.

Laboratory tests & diagnostic services

• Lab tests and x-rays when related to the medical emergency.
• Covers diagnostic tests prescribed by the physician treating you on site for diagnostic purposes.

Medical Appliances

Covers medical devices (e.g., buying or renting couches, canes or splints, etc.) prescribed by a physician treating you on site.

Health professional services

Up to maximum $400 per health professional services such as Physiotherapist, Osteopath, Chiropractor, Podiatrist or chiropodist (combined)

Accidental death & dismemberment

Not covered

Return of deceased/ Cremation or burial

• Up to $10,000 for return of deceased to the country of origin - excluding the cost of coffin.
• Up to $4,000 for cremation or burial - excluding cost of urn, coffin and tombstone.

Transportation to bedside

Some transportation expenses for a family member or a friend to identify the insured person if required.

Side trip coverage

May cover side trips outside Canada if all of the following conditions are satisfied: The side trip

• Must begin and end in Canada
• Must take place entirely within the coverage period
• Must not exceed 30 days
• Must not take place in your country of permanent residence

Out-of-pocket expenses

Up to $1,500 subsistence allowance to cover meals, taxi transportation, accommodation cost in commercial establishment, essential phone calls, childcare cost for children accompanying you on the trip.

Automatic extensions

• Up to 24 hours: if returning to your country is postponed due to a carrier delay.
• For the duration of your hospitalization and 24-hour period following discharge from the hospital.
• Up to 72 hours: if returning to your country of permanent residence is postponed due to the medical emergency that affects you and must have started 24 hours prior to the return date.

Policy cancellation/ Refund

• Before effective date: Full refund is available minus $25 administrative fee
• After effective date: You can request cancellation/refund during 10 days following date of purchase unless
• You have submitted a claim
• Policy is for 10 days or less

Waiting period

3 days waiting period applies if you have purchased coverage within 30 days after your arrival in Canada. During the waiting period you are covered for accidents and injuries but not for illness.