COVID-19 Insurance

Emergency Medical Insurance for Canadians

COVID-19 emergency medical and related expenses are now covered as a benefit under Emergency Medical.

Insurance, if you were to test positive for and are diagnosed with COVID-19 while on your trip.

The COVID-19 benefit is only applicable if you've followed the COVID-19 vaccine protocols outlined by your provincial/territorial Health Authority before leaving on your trip, and:
Have been partially vaccinated, at least 14 days before departure If available to you, you've received or scheduled any subsequent vaccine doses

Note: Coverage is also provided if you aren’t yet eligible for a vaccine due to age.

Emergency Medical Insurance
Sickness due to COVID-19—avoid non-essential travel advisory (level 3) in place for the international destination at the time of departureYes
Sickness due to COVID-19—avoid all travel advisory (level 4) in place for the international destination at the time of departureNo
Sickness due to COVID-19—travel advisory (level 3) in place for the international destination at the time of departure and traveller has an active Multi Trip Annual policyYes
Sickness due to COVID-19—travelling within CanadaNo, but covered by provincial healthcare plan for COVID-19 medical care treatment
Government-mandated COVID-19 testNo
Vaccination during tripNo
COVID-19 Insurance—Unvaccinated Plan

If you’re unvaccinated or have only received your first dose less than 14 days before departure, you can still buy Emergency Medical Insurance, but you'll need to add the COVID-19 Insurance—Unvaccinated plan.

COVID-19 Insurance— Unvaccinated is a separate plan that you can purchase with either Single Trip Worldwide, Single Trip Worldwide Excluding USA, or Multi Trip Annual Worldwide Emergency Medical plans.

Please see the COVID-19 Insurance—Unvaccinated Endorsement in the policy wording, for more information on eligibility and exclusions.

COVID-19 Insurance—Unvaccinated Plan
Emergency medical treatment up to $1 millionYes
Ground, air or sea ambulanceYes
Return of travelling companion and dependent childrenYes
Quarantine expenses for accommodation and mealsYes
Trip interruption benefitYes
Government-mandated COVID-19 testNo
Vaccination during tripNo
PolicyBlue Cross
Policy Coverage Limit for Emergency Medical Care$5,000,000 CAD
Includes coverage for medical expenses as a result of a sudden illness or accident (including COVID-19-related care)
Refund PolicyCancel your travel medical policy any time prior to the effectivve date of your policy or your departure and receive a full refund
What Else is Included?Includes Serenity Service if your flight is delayed 3 hours or more, which could give you access to an airport lounge or hotel room*

*Registration required at least one hour prior to your scheduled flight departure time
Age LimitNone
Stability Period Requirements3 - 6 Months, depending on age
Other Covid-19 Coverage Terms, Limits or RestrictionsGeneral conditions regarding pre-existing medical conditions apply
DeductiblesDeductible options available. Please inquire
Purchase MethodsPhone: Yes, please call 1-800-387-0339
Monday - Friday: 9:00am - 5:00pm EST
Online: Not available at this time
AvailabilityCurrently available for residents of Ontario
View Full Policy TermsBlue Cross - Travel Insurance Policy - EN
Blue Cross - Top-Up Policy - EN
Blue Cross - Top-Up Policy - FR
Blue Cross - Travel Insurance Policy - FR
To request a quote, please fill out our online application on our Instant Quote page, or Call Us during business hours at 1-800-387-0339 or 905-493-5060

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