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The Advice Centre

Insurance Basics

Understanding how health insurance works can be challenging. We want to help you demystify your health coverage so we‘ve assembled some useful information based on common questions we hear from people looking to purchase coverage and from our plan members every day.

Why your claim reimbursement may look different in January

Noticing higher prescription costs or paying more for physiotherapy early in the year? Don’t worry – we’re here to help you understand why.

Understanding deductibles, co-insurance and plan maximums

To help you plan for potential out-of-pocket expenses with your benefit plan, we’re here to help you understand deductibles, co-insurance and plan maximums.

Health insurance for seniors and retirees: what you need to know

Ensure peace of mind in retirement with flexible health insurance options tailored to seniors and retirees.

Is your employer group travel insurance enough?

From trip length to coverage limits, understand how employer group and individual travel insurance differ to protect your next journey.

Accessing your disability claims anytime, anywhere

If you have an active disability claim with Pacific Blue Cross, you’ll now be able to access disability claims information online, without having to contact your Claims Specialist.

Travel insurance for pre-existing conditions

Receive coverage for your pre-existing health conditions with our Optional Pre-Existing Condition Benefit.

Claiming deadline information

Claims submission deadlines differ based on your policy. You can find out the specific claiming deadline for your plan by referring to your plan booklet or by signing into Member Profile.

Know before you go—travel tips for you and your family

Travelling to the U.S. or other international destinations over the holidays? Here are some important—and practical—things to know when preparing for your trip.

Why Travel Insurance

You should be aware that your provincial coverage may not pay for all health care costs you may incur while outside of the province, and the difference can be substantial.

Trip Protection from Pacific Blue Cross

Get coverage for when things don’t go according to plan. Trip Protection Insurance provides coverage for cancellations, interruptions, delays and even lost or stolen baggage.

Focus on Mental Health: Let's keep the conversation going

The BC Women’s Health Foundation report shines a spotlight on women’s health and experiences with the health care system, including mental health.

Understanding My Coverage

It’s easy to find information on your coverage and benefit limits using our mobile app or website.