Blue Cross Travel Insurance

Blue Cross Travel Insurance is a travel insurance plan from Blue Cross (various provincial), available to residents of Canada. Sum insured ranges from C$5M, eligible ages 0 to 89, and the policy is per trip / annual. Below is our take on how it compares to other travel plans in our database — what it does well, where it lags, and the kind of policyholder it actually fits.

Annual premium starts at C$50, against a category median of C$45 across the 5 comparable travel plans we track in this country. That places Blue Cross Travel Insurance in the upper-mid range on price, and the bottom quintile on coverage ceiling (maximum sum insured C$5M versus a peer median of C$7.5M). On the value spectrum it reads as priced near the category median.

Coverage breadth is in line with what most travel plans offer: 6 core inclusions, 4 highlighted features, and 3 optional riders. Notable features called out by Blue Cross (various provincial) include Blue Cross brand trust, Non-profit insurers, and Annual multi-trip available. On the rider side, Blue Cross Travel Insurance can be extended with Pre-existing condition upgrade, Adventure sports, and Annual multi-trip — each adding to the base premium but also widening what the policy will pay out for.

Travel insurance is the simplest insurance product to compare on paper and the easiest to misjudge in practice. Blue Cross Travel Insurance covers a typical mix of medical emergencies abroad, trip cancellation, lost baggage, and personal liability — what differentiates good travel cover from bad is the medical evacuation limit and the named exclusions for adventure activities. Single-trip cover is generally cheaper per day than multi-trip annual cover, but if you take more than three international trips a year the multi-trip almost always wins. Read the medical exclusions before you buy: pre-existing conditions are commonly excluded by default, and adventure activities (skiing, scuba, trekking above 4,000m) often need a paid rider.

Where Blue Cross Travel Insurance explicitly will not pay: Pre-existing (without stability clause met), Extreme sports, and War. These are not unusual exclusions for a travel plan, but they are the boundary of the contract — anything outside that list is in scope, anything inside is not. Read the full exclusions list before signing; every plan we have ever audited has at least one exclusion the buyer did not realise was there.

Skip if: you can find a cheaper plan with similar inclusions; you need coverage above the plan's maximum sum insured. As with any insurance decision, get a quote from Blue Cross (various provincial) directly to confirm the rate that actually applies to your profile — listed prices are illustrative.