Travel Insurance

Enjoy healthy travels by packing travel insurance from Pacific Blue Cross. The World’s Most Recognized travel coverage.

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Important COVID-19 Travel Insurance information

The Government of Canada has issued an official global advisory to avoid non-essential travel (Level 3) outside of the country to limit the spread of Coronavirus (COVID-19). As a result, coverage related to Coronavirus (COVID-19) will be affected:

Travel Medical Insurance
For trips that depart on or after March 13, 2020, Coronavirus (COVID-19) related illness will not be covered. You can learn more about how Government travel advisories impact coverage in our Travel Insurance FAQs.

Trip Protection Insurance (Cancellations/Interruptions)
Effective March 12, 2020, we are considering Coronavirus (COVID-19) to be a known event for individually purchased Trip Protection. Travel insurance is intended to cover losses arising from sudden and unforeseeable circumstances. Any claims resulting from events known to a policyholder at time purchasing the trip are not covered.

These conditions will remain in effect until the advisory is lifted or otherwise stated by Pacific Blue Cross.

Travel Insurance and COVID-19

As countries begin to loosen their local and international restrictions, many British Columbians are thinking about travel again. Pacific Blue Cross believes all of us have an obligation to safeguard the public health of our fellow Canadians. It’s imperative that we adhere to the federal government’s advice regarding non-essential travel. While travel advisories and health warnings remain in place, COVID-19 IS NOT COVERED UNDER OUR TRAVEL PLANS FOR ANY NON-ESSENTIAL TRAVELERS THAT CHOOSE TO CONTINUE THEIR INTERNATIONAL TRAVEL.

Frequently asked questions

  1. Why do I need Trip Protection insurance if airlines are providing free cancellation insurance?

    Many airlines require you to purchase a certain fare level to receive free cancellation or they may only provide a flight credit should you need to cancel or postpone your travel for a covered condition. Trip Protection insurance allows you to recover your pre-paid travel costs no matter the fare level purchased.

  2. Do I still need Travel Medical Insurance if my airline is including COVID-19 insurance when I purchase a plane ticket?

    We recommend you always have appropriate insurance coverage when leaving British Columbia. While COVID-19 insurance may be included in some airline tickets, it’s important to understand the amount of coverage that you will receive and know any limitations or exclusions to the policy. It’s very important to also ensure you have appropriate travel insurance to cover other emergency medical situations that may arise.

  3. If airlines are including COVID-19 coverage, does that mean that I can travel outside of Canada?

    It’s important to check government travel advisories prior to travelling. Public health officials are currently recommending that Canadians avoid non-essential, international travel. Travelling when there is a government advisory may impact your travel insurance coverage.

  4. Will my Pacific Blue Cross travel or Visitor to Canada plan cover the cost of the COVID test?

    No. Lab tests are only considered when they are ordered by a doctor in an acute medical emergency situation.

  5. I have trip interruption coverage and I had to change my flight to get testing done. Can I claim the cost of the new flight?

    No. COVID-19 is a situation known prior to travel. We do not cover any COVID-19 related trip protection expenses.

  6. I have to extend my trip to be able to get testing? Can I get an extension?

    Yes, as long as you meet the criteria for extension, which includes paying the additional premium.

  7. I had a vacation planned for the Mexico/Caribbean but now my flight has been cancelled as a result of the Government of Canada announcement of January 29, 2021 (link). Is this eligible for Trip Cancellation/Interruption benefits, even if I am stuck at my destination?

    No, this is not eligible for coverage.  Effective March 12, 2020, we consider Coronavirus (COVID-19) a known event for individually purchased Trip Protection. Travel insurance is intended to cover losses arising from sudden and unforeseeable circumstances. Any claims resulting from events known to a policyholder at time purchasing the trip are not covered.  Airlines have indicated that they will be providing refunds for these flights; please check with your trip provider for further details regarding potential reimbursement.

We’re a proud member of the Canadian Life and Health Insurance Association. With them, we recommend you consider the following when planning your next trip:

  1. Check Travel Advice and Advisories.

    Visit for up-to-date travel advice and advisories.

  2. Understand the new health requirements for boarding a flight.

    Trip Protection/Cancellation insurance will not pay expenses if you’re denied boarding.

  3. Understand Trip Protection benefits

    Trip Protection/Cancellation insurance requires that any compensation provided by the travel supplier, including vouchers for credit, is generally deducted from the amount eligible for reimbursement.

  4. Know the entry requirements

    Know the entry requirements for the destination you are visiting and follow these directions (ie. 14 day quarantine).

  5. Returning to Canada

    Know that if you need to return to Canada for medical care, your options may be limited due to the decreased availability of flights. Be prepared to return to Canada quickly should the Government of Canada raise the Travel Advisory level to avoid all non-essential travel due to COVID-19. Your travel insurance benefits may be limited. Upon return to Canada, you will be subject to federal and provincial/territorial governments’ requirements regarding quarantine, testing, and exposure.

  6. Ensure you have travel insurance coverage for your entire trip.

    Your options to extend your policy after departure may be limited, so make sure you check with your insurance company.

  7. Register your trip

    Make sure you register your trip with the Register of Canadians Abroad so the Canadian government can keep you informed while abroad.

Why British Columbians choose our Travel Insurance

Free for Kids

Only Pacific blue Cross covers kids of all families for free when you buy travel medical insurance.

Pre-Existing Coverage

Only Pacific Blue Cross offers $10 Million in travel insurance with just 7 days stability of your pre-existing conditions.

BC's #1 Health Benefit Provider

With 750 local employees, you can be sure our plans are designed for British Columbians

You Save as a Member

Members always save an extra 10% and our family plans cover your children for free.

Always on Call

Our emergency assistance team doesn't take a day off.  They're available 24/7 should an emergency occur while you are travelling.

World's Most Recognized Coverage

So from Tacoma to Timbuktu, you're packing the symbol recognized around the world at your time of need.

First Payer

If your employer provides you with benefits from Pacific Blue Cross, our plans protect your lifetime maximum.

A Proud Partner

We are the travel insurance partner of Children's Wish, helping grant heartfelt travel wishes to children with life altering illnesses.

Choose one of our Travel Insurance plans below to get started

Travel Medical

Emergency medical coverage for British Columbians while travelling outside of BC.

Why do I need this?

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Peace of mind coverage for trip cancellation, trip interruption, airline delays and baggage loss, damage or delay.

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Visitors to

Emergency health coverage for tourists, workers, new immigrants and students visiting BC.

Why do I need this?


A few frequently asked questions about Travel Insurance

  1. Why do I need 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. For example, B.C. pays $75 (CAD) a day for emergency in-patient hospital care, while the average cost in the U.S. often exceeds $1000 (US) a day, and can be as high as $10,000 (US) a day in intensive care. For this reason, you are strongly advised to purchase additional health insurance from a private insurer before you leave the province, whether you are going to another part of Canada or outside the country. You are advised to purchase additional coverage even if you plan to be away for only a day.

  2. How do I get free travel coverage for my kids?

    When you purchase Travel Medical insurance for one or two parents, each child 18 years of age or younger who is subsequently added to your travel policy will receive free emergency medical coverage for up to $10,000,000.

  3. Why should I purchase Multiple Trip plan instead of Single Trip Plan?

    If you take more than 2 trips per year, it may be less expensive to buy 1 Multiple Trip plan instead of 2 or more Single Trip plans. For example, if you are in the 0 - 34 age group, you take two 15 day trips in one year and if you purchase two Single Trip plans, it would cost you $86 for both plans. Alternatively, if you purchase one 15-day Multiple Trip plan, the cost would be $52. Plus you will be covered for any more trips (up to 15 days in length) taken within the year.

  4. Can I buy travel insurance if I have an existing medical condition?

    Yes - Regardless of any existing conditions, we always advise members to still purchase coverage, as it will protect against all other accidents not related to that condition.

    Travel insurance policies are designed to provide protection against unexpected emergency medical expenses, trip cancellation or interruption.

    Depending on your age and the condition pre-existing medical conditions are covered if they are stable for a certain time period (as specified in your policy) before your policy's effective date.

    It is important you review and understand any clauses or definitions in your chosen policy. Each travel insurance policy will uniquely define a pre-existing condition and there are many variations in wording. For example, policies may not cover conditions arising prior to the trip departure date:

    • that are unstable
    • where symptoms of an illness appeared
    • that have been diagnosed or treated
    • where medications have been changed

    Travel policies will also specify a time frame, based on your age that relates to the evaluation of your pre-existing conditions. This time frame could be as short as 3 months but could be 1 year, 5 years or longer.

    Some policies may provide coverage for your pre-existing conditions if you complete a more detailed medical questionnaire.

    When purchasing our travel policy, we will evaluate pre-existing conditions for people 60 years and younger based on their health within the previous 3 months prior to the day their coverage begins. For people age 61 and over, we evaluate based on their health within 6 months prior.

  5. I have a chronic illness. Am I still covered?

    It depends on the illness, its seriousness and its stability. Some illnesses are easily covered. Others require a three or six month stability period, depending on your age. Blue Cross offers the possibility of covering your illness with a medical questionnaire (available for persons aged 61 and over) filled out by your treating physician; Blue Cross’ medical team will then evaluate your condition. If authorized, you can travel worry-free: your chronic illness will also be covered.

  6. Are there vaccinations that I should get prior to travel?

    When travelling internationally, you may be at risk for a number of diseases which are common in other parts of the world. You can learn more about Travel Vaccines on our Vaccination page.

Looking for other types of coverage?

Personal Health Insurance

Our Personal Health Insurance plans providers coverage for people who are not covered by an employer group plan

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Critical Illness Insurance

Our Critical Illness Insurance can help manage your ongoing financial obligations in the unfortunate scenario of recovering from a serious disease

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