Travel Insurance from Blue Cross

1. What does travel insurance actually cover?

Travel insurance coverage varies by policy. However, most plans include emergency medical care, trip cancellation or interruption, lost or delayed baggage, and travel delays. Always review what’s included—and what’s not—before you buy. As brokers, MMHI can shop for you to find the best value.

2. Are pre‑existing medical conditions covered?

Travel insurance sometimes covers pre-existing medical conditions. It depends on the insurer, your health status, and whether your condition is considered “stable” for a certain period before travel. Read the stability clause carefully or ask the insurer for clarification.

3. Do I need travel insurance for trips within Canada?

Yes, often it’s a good idea to have travel insurance even if you’re staying within Canada. Your provincial health plan don’t fully cover out‑of‑province emergency care, ambulance services, or medical transport home. Travel insurance can help protect you from unexpected costs.

4. How much does travel insurance cost?

The cost of travel insurance depends on a number of factors: your age, destination, trip length, health status, and the type of coverage you choose. Single‑trip plans are common, but if you’re a frequent traveler you may save money with an annual plan.

5. Does my travel insurance policy cover adventure activities or risky sports?

Travel insurance doesn’t always cover high-risk activities. Things like rock-climbing, skiing, scuba diving, or backcountry travel may need more coverage. Check the exclusions section to make sure you're insured for these activities.