March 1, 2024

Passport. Check. Plane ticket. Check. Accommodation details. Check. Travel insurance?

When you’re going on a trip, particularly for months at a time, it’s important to think of the essentials you’ll need while you’re away. Just as you would ensure you’ve brought your travel documents and medication, there are other necessities you need to put on your to-do list before you leave Ontario for your getaway – and top of the list should be travel insurance.

Travel insurance from Ontario Blue Cross® gives travellers peace of mind in case of an accident or severe illness, and offers $5 million in Emergency Medical Care coverage, which includes COVID-19 and its variants. But to get this peace of mind, you must get the timing right and ensure you buy insurance before you travel. Ontario Blue Cross travel insurance is easy to purchase and recognized worldwide by healthcare providers, which makes it a simple item to check off the list.

Here are some questions and answers to help take the guesswork out of travel insurance, as well as tips about what to do in the event of a health scare while away from home.

Why is it important to take out insurance before I travel?

It’s impossible to predict the future – anything can happen while travelling, so you have to be prepared! To be covered for any accidents or illnesses, you must have a policy in place before you leave Ontario.

What should I consider when purchasing travel insurance?

It’s important to make sure you’re getting an insurance plan that’s right for you and covers unexpected situations, like COVID-19. And while medical incidents can cause significant stress, mishaps while travelling can put a damper on a trip as well. Fortunately, there are some insurance options that can help with enroute woes, so check out the benefits of Baggage, Trip Cancellation or Interruption coverage from Ontario Blue Cross.

Whether you’re spending the winter in a warmer climate like Florida, travelling across Arizona and Mexico, or taking a shorter trip down to the Caribbean, Ontario Blue Cross has the travel coverage you need. It offers Individual, Package, and Annual travel insurance plans to meet your specific needs.

Do I have to declare any pre-existing health conditions?

The short answer? Yes. But that doesn’t mean that your pre-existing medical condition prevents you from getting insured. It’s important to be honest about your health to make sure your health conditions are covered. Honesty is also important so you don’t wind up negating the contract.

What should I do if I get injured abroad?

Let’s say you and your partner decided to rent bicycles for the day as an easy breezy way to see the sights of your sunny destination. Unfortunately, your tires hit some rocks and you fall and hurt your leg. While your first instinct might be to head to the nearest medical centre or emergency room, instead contact Blue Cross Travel Assistance, which is available 24 hours a day, 7 days a week. At that point, your insurer will be able to recommend a nearby healthcare facility, coordinate care and ensure ongoing follow-up to support your recovery.

Is it possible to modify your insurance?

So, it’s been years since you’ve been among your friends down south and your golf swing is improving weekly. You’re not quite ready to head back home to snow days and hot cocoa just yet? Not to worry: if you choose to stay a little longer to soak up the sun and get that sought-after hole-in-one, your travel insurance could be extended – as long as your policy isn’t expired.

The same goes for breaks in your coverage. Many head south as the snow begins to fall in Canada, but as the holidays approach some travellers may want to return for a few weeks to be with family and friends. In these instances, Ontario Blue Cross offers the “Travel Break,” which allows you to go home and then return to your vacation destination without terminating your contract. The contract isn’t effective while in the province of residence, however coverage resumes once you are at your destination.

Purchase peace of mind

No one ever plans to get hurt or sick while they’re away on holiday, but you have to prepare for the unexpected. Blue Cross Travel Assistance is available 24 hours a day, 7 days a week, worldwide in 140 languages to provide support when you need it most. With access to one of the largest networks of healthcare providers and facilities in the United States, Ontario Blue Cross is the ideal choice for Canadians heading across the border. Remember: buying travel insurance is just as important as any other document you’d pack in your bag. With the right coverage, you’ll be also packing peace of mind as you head on your sunny – and deserved! – vacation getaway.

Ready to check off travel insurance on your pre-trip list? Learn more and find the coverage for you at

Advertising feature produced by Globe Content Studio with Ontario Blue Cross. The Globe’s editorial department was not involved.

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