Voluntary Benefits

Pacific Blue Cross Travel Medical Insurance provides $10,000,000 in coverage for costs related to emergency medical care resulting from an accident or sudden illness while travelling outside British Columbia. An Annual plan provides the best value for snowbirds, frequent travellers and cross-border hoppers who make multiple trips outside BC each year. Plan coverage includes:

Emergency medical expenses

This includes any hospital fees (for a private or semi-private room), nursing fees, drug costs, incidental hospital expenses (television, parking etc), the cost of medical appliances (crutches, canes, wheelchairs), physician and professional fees, diagnostic services (lab tests, xrays), and emergency dental care.

Free for Kids

Only Pacific Blue Cross covers kids of all families for free when you buy travel medical insurance – whether it’s for one parent or two.

Repatriation costs

In addition to paying for you to return to your province or residence to receive immediate medical attention*, we will arrange to have your vehicle returned, your pet returned and your baggage returned. Should an insured person pass away, we cover the cost of repatriating the deceased.

*Requires the authorization of the attending physician and CanAssistance.

Medical Follow-up in Canada

We cover select treatment costs following repatriation.

Ambulance and taxi fees

We will pay for the cost to transport a sick or injured person to the nearest Hospital or accredited medical facility.

Transportation to visit the covered person

We will cover the cost of round trip, economy class transportation for a family member or friend to visit a sick or injured person in hospital. We also cover the expenses of this visitor while he/she is staying close by up to $300 per day to a maximum of $1,200.

Subsistence allowance

We will reimburse you up to $300/day to a maximum of $3000 for accommodation, meals, essential phone calls and transportation by taxi if your return is delayed due to illness or injury.

Pre-existing condition coverage

As long as your pre-existing condition meets a minimum stability period you can receive full protection

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Your employees have the opportunity to convert their employer-paid health benefits plan into Personal Health Insurance for Retirement. Individuals without an employer-paid pension health benefits plan are responsible for any medical costs not covered by government medical. Our Personal Health Insurance offers guaranteed coverage with no medical questionnaire when applying within 60 days of retirement.

Step 1: Health

Step 1: Health	BRONZE	SILVER	GOLD
Paramedicals
Physiotherapists, massage therapists, chiroproactors, chiropodist/podiatrists, naturopaths, acupuncturists, osteopaths	$25/visit, 12 visits/yr	$400 combined	$600 combined
Speech therapists	$45/visit, 10 visits/yr	$45/visit, 10 visits/yr	$45/visit, 10 visits/yr
Psychologists	$65/visit, 10 visits/yr	$65/visit, 10 visits/yr	$65/visit, 10 visits/yr
Vision
Prescription eyewear	$150	$250	$300
Eye exam	$50	$50	$80
Medical equipment
Year 1	$1,500	$1,500	$2,500
Year 2+	$1,500	$2,500	$5,000
Hearing aid	$300/5 yrs	$400/5 yrs	$600/5 yrs
Hospital accommodation
Hospitalization	$125	$200	$250
Day limit	30 days	30 days	30 days

Only Pacific Blue Cross Personal Health Insurance gives you 24/7 access to on-demand doctors and a care manager for referrals to specialists along with prescriptions from our Preferred Pharmacy Network delivered directly to your door.

Step 2: Prescriptions

Step 1 Health Choice:	BRONZE	SILVER		GOLD
Step 2: Prescriptions	BRONZE	BRONZE OR	SILVER	SILVER OR	GOLD
Dispensing Fee	—	—	$10*	$10*	$10*
Year 1	$500	$500	$1,000	$1,000	$1,500
Year 2	$500	$500	$2,000	$2,000	$2,500
Year 3+	$500	$500	$3,000	$3,000	$5,000
*Maximum follows BC PharmaCare

Step 3: Dental

Step 3: Dental (optional)	BRONZE	SILVER	GOLD
Services
Basic	80%	80%	80%
Endodontics	—	80%	80%
Major	—	—	60% after Year 1
Limits
Year 1	$500	$600	$1,000
Year 2	$500	$800	$1,250
Year 3+	$500	$1,000	$1,500
Usage
Recall Package**	Every 9 months	Every 9 months	Twice per year
** Includes exam, polishing and flouride

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You can add the following individual benefits to your plan, buy them separately, or choose a package and save:

Trip Cancellation (with Interruption)

Coverage for pre-paid travel fees if your trip gets unexpectedly cancelled before departure or interrupted once it’s begun.

Trip Interruption

Coverage for pre-paid travel expenses if your trip gets unexpectedly interrupted once it’s begun.

Air Flight Accident

Coverage injury or death following a flight accident.

Accidental Death and Dismemberment

Coverage in case of death or loss of limbs due to an accident while travelling.

Baggage

Coverage for lost, stolen or damaged baggage. Also provides coverage to purchase items while baggage is delayed.

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This plan offers a non-evidence window which allows all of your employees to get coverage – even those with pre-existing health conditions. It’s perfect for organizations that tend to have long-tenured employees.

Coverage for 23 conditions
$20,000-$250,000 in coverage
Guaranteed coverage option for employees and spouses
Payroll deduction

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This plan is medically underwritten and also provides individuals with more customizable coverage. It’s perfect for individuals who are short-term employees and those who are in generally good health.

2 plan types – Critical Illness and Enhanced Critical Illness
Up to $2,000,000 in coverage
Pre-authorized debit or credit card payments
Coverage is portable – not tied to employment

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