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'Single-trip' for one time only policies; 'Multi-trip' allows numerous trips during a one year policy period; 'top-up' allows you to add coverage to an existing plan (make sure your existing insurance provider allows top-ups from other companies or please
(Click on the space bar provided) Enter the date you arrive(d) in Canada. If you haven't arrived in Canada, this may be the same as your effective date.
(Click on the space bar provided)For Visitors to Canada (and Super Visa Insurance) and Returning Expats, enter the date you will arrive in Canada. If you have already arrived, put the date you would like the policy to begin.
(Click on the space bar provided) Enter your return date for single trip or multi-trip plans. You can adjust maximum duration once you receive your quote if desired. Expats enter date they will receive provincial coverage.
Please list all destinations you will be traveling to. USA five days or less is only for travelers 'in transit'. If the USA is your main destination (not transit) and the trip is less than 6 days, choose 'more than 5 days' to see USA plans.
Enter the total number of people to be insured. Family rates are available but maximum age of children is 21. Otherwise ask for a quote for two companion travelers at a time.

Family quotes are restricted to parents & guardians under age 60 and dependent children under age 21.

Blue Cross Visitors to Canada Review

Blue Cross Visitors to Canada Insurance

Blue Cross is a well known name in Canada, largely because of the number of group (employer) insurance plans that they underwrite nationwide. As part of these group plans which include extended health and dental coverage, Blue Cross offers annual travel insurance. They have been offering Visitors to Canada insurance for a long time, but only recently decided to compete with the Canadian travel insurance companies for visitors insurance business: in Novemeber of 2013, they changed their policy wording so that they can more easily offer coverage for stable pre-existing conditions to older travelers. At the same time, they dropped their rates and became very price competitive.


  • For younger travelers especially, and some older age brackets, Blue Cross is priced quite low compared to most plans offered by other Canadian travel insurance companies.
  • Blue Cross Visitors to Canada Insurance provides coverage for stable pre-existing medical conditions with a stability period of 3 months for those under 59, and 180 days for those 60 and over.
  • Change in medication language is friendly for Aspirin, Insulin, Coumadin and Nitroglycerin. Please ask for details, or read the policy wording.


  • This is a discount plan with restricted benefits:

- Secondary benefits are greatly reduced compared with other available plans. For example, the accidental dental coverage is only $1000 maximum, where most other plans are $3-5000;
- No paramedical benefits;
- No follow up benefits;
- Benefits for repatriation and/or funeral arrangements($3000) are half the amount (or less) of other plans;
- They offer no accidental death and dismemberment coverage;
- No transportation of relative or friend if hospitalized;
- No trip break allowance.

  • The policy is only offered with a $0 deductible. No deductible options to help lower costs.
  • The coverage is only valid in Canada and the USA, and not including Hawaii, so compared to other plans (no such restrictions), side trips out of Canada are greatly restricted.
  • Unlike most other plans, partial refunds are only granted (as long as no claims have been or will be made against the policy) if the insured travels back to their home country (most other plans will also allow a partial refund once a traveler becomes eligible for and covered by a provincial health care plan).
  • $25 admin fees for any refunds.

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