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Changes, extensions and cancellations are requested through your advisor.
Blue Cross Insurance through Protecto
Blue Cross plans, sold and administered by Protecto's advisors
The Blue Cross plans we offer
Visitor insurance for Canada
Emergency medical care during a stay in Canada: hospitalization, physician and medication prescribed as part of emergency treatment.
Travel insurance for Canadians
Medical expenses, cancellation and baggage for trips outside your province.
À la carte travel insurance
Pay only for the benefits you actually need.
All-inclusive travel insurance
Medical, cancellation, baggage and accident in one Single-Trip contract.
Trip cancellation insurance
Reimbursement of insured non-refundable travel costs if an insured risk forces you to cancel.
Snowbird insurance
Extended stays outside Canada, with Single-Trip or Multi-Trip Annual.
Why buy this plan through Protecto
Whichever insurer underwrites the policy, it is sold and serviced by our advisors.
Advice, not a catalogue
We tell you which plan fits your situation, among the ones we offer.
Claims, directly with the insurer
Claims are filed directly with the insurer or the company that handles its claims. Contact details for each are on our Claims and assistance page. If you have trouble reaching them, our advisors can help.
Bilingual service, rated 4.9 out of 5
More than 800 Google reviews, in French and in English, before and after you buy.
Blue Cross is one of Canada’s largest health and travel insurers, with over 80 years of experience. Protecto distributes its plans and stays with you before and after you buy.
The Blue Cross range covers the two situations we see most often: people coming to Canada without provincial health coverage, and Canadian residents leaving their province. On top of that sit the a la carte and all inclusive travel packages, extended snowbird coverage and trip cancellation.
Weighing Blue Cross against another insurer? Compare our partner insurers or get a quote.
Frequently Asked Questions
Why do Canadians need travel insurance?
Even if you are covered by your provincial plan, medical costs outside your province or outside Canada can be very high. Travel insurance can cover medical emergencies, hospitalization, medications, emergency transport and repatriation.
What does travel insurance for Canadians cover?
Depending on the contract chosen, travel insurance can cover emergency medical costs, trip cancellation or interruption, baggage, flight delays and certain transport costs related to an emergency.
Does travel insurance cover pre-existing medical conditions?
Yes, some pre-existing conditions can be covered if they meet the insurer’s stability criteria. It is important to properly disclose your medical situation before departure.
When should you buy travel insurance?
It is best to buy your travel insurance as soon as your trip is booked, especially if you want cancellation coverage. For emergency medical insurance, coverage must generally be purchased before departure.
Is travel insurance useful for a trip within Canada?
Yes. Even for a trip to another province, some costs such as ambulance, emergency transport or repatriation may not be fully covered by your provincial plan.
Does my credit card already include travel insurance?
Some credit cards include travel insurance, but coverage can be limited by age, trip length, destination and health. It is important to check the exclusions before you leave.
How much does travel insurance for Canadians cost?
The price depends on your age, the length of the trip, the destination, your health and the coverage chosen. A quote lets you compare the options available for your situation.
Can you buy travel insurance for a long stay?
Yes. Several insurers offer coverage for long stays, frequent trips or stays of several months outside your province of residence.
How do you choose the best travel insurance?
The best travel insurance depends on your destination, your age, your health, the length of your stay and the type of coverage you want. Protecto Assurances can help you compare the options and choose suitable coverage.
What is covered if I have to cancel?
Cancellation coverage reimburses prepaid non-refundable costs (flight, accommodation, cruise) if you have to cancel for a covered reason: illness, death of a loved one, job loss, a government advisory, among others. The eligible reasons vary by plan. Read the exclusions.
Can I purchase travel insurance if I am already on my trip?
In most cases, you must purchase your travel insurance before leaving your province of residence. Some insurers offer options to buy coverage once you are already travelling, but this usually comes with restrictions and waiting periods for certain benefits.
What is an annual multi-trip plan?
A policy that covers all your trips for one year for a single premium. Economical if you travel several times a year. Each trip is covered up to a defined maximum duration (often 15, 30 or 60 days per trip).
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