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• Medical Benefits Outside of British Columbia

Medical Benefits Outside of B.C.

B.C. Residents traveling outside Canada are encouraged to review current travel advice and advisories:

Government of Canada

Province of BC

If you are eligible for coverage while temporarily absent from B.C., MSP will help pay for unexpected medical services provided the services are medically required, rendered by a licensed physician and normally insured by MSP. Reimbursement for physician services will be made in Canadian funds and payment will not exceed the amount payable had the same services been performed in B.C. Any excess cost is the responsibility of the beneficiary.

MSP does not provide any coverage for treatment provided by a health care practitioner outside the province (e.g. physician assistants, nurse practitioners, chiropractors or physical therapists).

PharmaCare does not provide coverage for prescription drugs or medical supplies when obtained outside B.C. Provincial assistance is also not provided to subsidize payment for ambulance services outside B.C.

If medical care is not provided by a physician, or if you require a prescription or ambulance service while you are in another province or outside Canada, you will be charged the full cost for any medical service provided by the health care practitioner (non-physician), prescription or ambulance service. Fees can often range from several hundred to several thousand dollars and your costs will not be reimbursed by the Ministry of Health. 

Although the province does provide some coverage for emergency hospital care when you travel outside Canada, the province limits coverage to a maximum daily payment of $75.00, in Canadian funds.  

When purchasing travel insurance, you are advised to obtain insurance that will cover the additional costs for physician and hospital care and for the provincial services that are not insured outside B.C. such as prescription and ambulance services, and transportation back to B.C.

Out-of-Province Emergency Medical Care

Physician services in canada:.

Most physicians in other Canadian provinces and territories (except Quebec) will bill their own provincial/territorial health plan for services provided if you present your valid B.C. Services Card. The provinces/territories recover the funding monthly between each other.

When travelling in Quebec, you may be asked to pay for physician services and seek reimbursement later from MSP. If you paid for physician services in another province/territory, to request reimbursement please complete the Out of Country Medical Claim Form .

Hospital Benefits in Canada:

If you are admitted to a publicly funded hospital in Canada, the cost for most outpatient and inpatient services will usually be managed by the provincial or territorial health care plan.  If you receive an invoice from a public hospital in Canada for insured medical services, please contact:  Ministry of Health, Out of Province Claims, PO BOX 9647, STN PROV GOVT, Victoria, B.C.  V8W 9P4

B.C. residents are strongly advised to purchase additional health insurance when travelling to other Canadian provinces/territories to cover the cost of services not included in the reciprocal agreement between the provinces/territories.

Out-of-Country Emergency Medical Care

The cost of medical care outside Canada can be much higher than the amounts payable by MSP and extended health care plans. For complete protection, additional medical insurance should be purchased from a private insurance company, even if you only plan to leave the country for a day. Check the exclusions and limitations of your private insurance policy carefully to ensure that the policy meets your personal needs.

Provincial coverage for medically necessary COVID-19 services may be available; however, coverage for the COVID-19 laboratory test and general physician visit is limited, outside Canada, to a maximum payment of $75.00, in Canadian funds.

If you have extended health benefits please contact your insurer to determine the policy provisions or consider purchasing additional medical travel insurance.

When you receive medical services outside Canada (or in some instances outside B.C.), you will need to claim reimbursement from MSP using an Out of Country Claim Form. The completed form should be returned with:

• an itemized account, including the dates of service and details of services performed, and
• either the unpaid bills or the original receipts if the bills have been paid.

Note : Submit claims for physician services within 90 days of the date of service. In-patient hospital claims (and any associated medical claims) must be submitted within six months of discharge.

Payment will be issued in Canadian funds only and will be paid at the same rate that would have been paid if the services were received in B.C.

Learn more about how your health care benefits change when you leave B.C. (PDF 95KB)

Elective (Non-Emergency) Medical Care Outside Canada

If you leave Canada specifically to obtain medical or hospital care (and you would like to have your provincial coverage help pay for it), the medical specialist looking after your care in B.C. must write to MSP and provide information regarding the medical necessity for a referral outside of Canada. The specialist needs to provide information about what other treatment options have been explored elsewhere in B.C. and/or Canada.

Treatment which is considered to be experimental or still in the developmental (research) stage is not eligible for coverage.

Note : If you do not obtain MSP approval for elective out of country medical care, all costs for services received outside Canada will be your personal responsibility. Travel and accommodation costs are not eligible for coverage.

Learn more about what types of medical care outside of British Columbia are covered.

• Out of Province and Out of Country Medical Care Guidelines (PDF, 146KB)

The Out-of-Country Health Services Funding Application is detailed at: Medical Services Outside of Canada - Province of British Columbia (gov.bc.ca)

Related Forms

Complete and submit this form to request reimbursement for emergency (unexpected) medical services received outside of Canada or physician services paid for in another province/territory within Canada.

• Out of Country Claim Form (HLTH 2814) (PDF, 143KB)

To request provincial coverage for elective (non-emergency) medical care outside Canada, prior approval is required. The attending medical specialist involved in your care in BC must submit the application for coverage prior to the out of country treatment being provided.

• Out-of-Country Health Services Funding Application (HLTH 2810) (PDF, 114KB)

Contact information

If you have questions about what out-of-province and out-of country services are covered by MSP, contact Health Insurance BC for more information.

The B.C. Public Service acknowledges the territories of First Nations around B.C. and is grateful to carry out our work on these lands. We acknowledge the rights, interests, priorities, and concerns of all Indigenous Peoples - First Nations, Métis, and Inuit - respecting and acknowledging their distinct cultures, histories, rights, laws, and governments.

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Take off with Canada’s #1 travel insurance provider

Enjoy the confidence and peace of mind with Blue Cross when exploring Canada or around the world

#1 in Travel Insurance

Out-of-province emergency medical expenses are not generally covered by your provincial medical plan and these expenses can be financially overwhelming.

For millions of Canadians, comprehensive emergency travel coverage offered by Blue Cross has become an essential part of their holiday plans.

As a recognized symbol of health care globally, being trusted, professional and familiar is what you need in your coverage provider when travelling out of province.

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Let Blue Cross travel coverage take care of any unexpected medical emergency costs so you can make the most of your trip.

Whether you travel frequently during the year, take regular sun destination trips or do only occasional short trips, there is a plan that’s right for you.

Blue Cross is a member of a trusted global network, including the American Blue Cross & Blue Shield Association and the International Federation of Health Funds.

Canadians are optimistic about travel in 2024

The cost of travel is on the rise, but that isn’t stopping most Canadians from planning a vacation.

A ccording to a new study from Blue Cross , Canadians spent an average of $4,200 on their last vacation, and 94 per cent feel the cost of travelling is increasing .

H owever , the 2024 Blue Cross Travel Study also reveals that more Canadians are feeling optimistic about travel and are planning more trips this year.   

Find the Right Plan

We understand making the right choice for your benefits and coverage is important.

We’re here to help!

Please click below to be redirected to your local Blue Cross for more specifics, including local contact information.

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Travel Insurance

Explore the World with Confidence!

Travel can bring unexpected joys – it can also bring misadventure. we’ll help you prepare for the worst so your trip can be the best..

You can purchase travel insurance online or reach out to one of our helpful brokers.

Waypoint Insurance is here to help you prepare for the unexpected. From medical and dental emergencies to an interruption in travel plans or lost baggage, we can’t prevent misadventures but we can make sure you’re not alone.

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Travel Medical Insurance

Emergency medical treatment can cost thousands.

Protect yourself with unlimited coverage for eligible emergency medical expenses Disclaimer 1 and 24/7 assistance.

Get a Quote

Essential coverage for canadians, classic medical plan.

Single Trip: Ages 0-64 Multi-Trip: Ages 0-64

For travellers who need emergency medical coverage for trips outside their home province or territory.

• Unlimited emergency medical Disclaimer 1
• Direct payment of emergency medical bills Disclaimer 3
• 24-hour worldwide emergency medical assistance
• No deductible payment required

See More See Less

• No health questions required
• Stable Opens in new window pre-existing medical conditions are covered Disclaimer 2
• Single trip and multi-trip annual plan options Opens in new window
• 9-, 16-, 30- and 60-day trip duration options available for multi-trip annual plans (call for 30- and 60-day options)
• Family plan pricing available

Policy Documents:

For complete coverage details, limitations and exclusions, see:

• Classic Medical (Single Trip) Opens PDF in new window
• Classic Medical (Multi-Trip Annual) Opens PDF in new window

TravelCare ® Medical Plan

Single Trip: Ages 65+ Multi-Trip: Ages 65+

For travellers age 65 and up who need emergency medical coverage for trips outside their home province or territory.

• A few health questions are required
• Stable Opens in new window pre-existing conditions may be covered depending on the TravelCare Category Opens in new window for which you qualify
• TravelCare Medical (Single Trip) Opens PDF in new window
• TravelCare Medical (Multi-Trip Annual) Opens PDF in new window

4-Day Getaway Multi-Trip Annual Medical Plan

For travellers who want the ability to take unlimited quick trips outside their home province or territory in the next year for one low price.

• No medical questions and no health exam
• Stable Opens in new window pre-existing conditions are covered
• Family plan pricing available (to age 59)
• 4-Day Getaway Multi-Trip Annual Medical Plan Opens PDF in new window

Make sure you have the right travel insurance—get an online quote or talk to a licensed insurance advisor.

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HelloSafe » Travel Insurance » BC

What are the Best Travel Insurance BC Plans in 2024?

• The most competitive offer on the market
• Fast and efficient submission process
• Multilingual emergency assistance services available 24/7

soNomad travel insurance offers emergency medical coverage up to $5,000,000, including COVID-19 at no extra cost, and baggage insurance up to $1,500, all with no deductible. It stands out for its competitive rates and excellent value for money, surpassing competitors like Allianz and Manulife, which are often more expensive for similar coverage. The cancel-for-any-reason program, subscribed within 7 days of booking, provides additional security. Ideal for all travelers, including those with pre-existing medical conditions.

• Higher rates for the greatest coverage offered on the market
• Allianz offers are very comprehensive

Allianz travel insurance offers emergency medical coverage up to $5,000,000, including COVID-19 protection at no extra cost, and baggage insurance up to $1,000. Although its rates are higher, Allianz stands out for the quality and breadth of its coverage. Compared to soNomad and TuGo, Allianz offers a very comprehensive package but at a higher cost, making it an ideal choice for those seeking maximum and uncompromising coverage.

• Interesting formulas for trips lasting up to one month
• Important coverage
• Adapted to your basic needs

Manulife travel insurance offers a "COVID-19 Pandemic Travel Insurance Plan" providing emergency medical coverage up to $1,000,000 for COVID-19 related health issues, increased to $5,000,000 for fully vaccinated individuals. In case of unforeseen quarantine, it covers up to $200 per day per person (maximum $2,800) and $400 per day per family (maximum $5,600). Compared to other plans, Manulife stands out for its extensive coverage and specific quarantine benefits, offering increased security for vaccinated travelers.

Travelling is an exhilarating experience, filled with new adventures and discoveries. However, unforeseen events can disrupt even the most meticulously planned trips.

To safeguard against these uncertainties, travel insurance becomes essential for any traveller, including residents of British Columbia. But how do you choose the best travel insurance BC policy that's right for you?

In this guide, we look at the best travel insurance BC plans, what they cover, how much they cost, and more. You can use the HelloSafe comparator to compare plans from various providers and also get free quotes in seconds , so you can pick a policy that truly suits your individual needs.

Best BC Travel Insurance Plans

• SoNomad travel insurance : "Versatile coverage options"
• Allianz travel insurance : "Global assurance for your journey"
• TuGo travel insurance : "Adventure and all-inclusive choices"
• Desjardins travel insurance : "Reputable brand coverage"
• Manulife travel insurance : "Comprehensive protection for all travels"
• Sun Life travel insurance : "Flexible options for all types of travel"
• Blue Cross travel insurance : "Established provider with various plans"
• Medoc travel insurance : "Focus on emergency medical benefits"
• BCAA travel insurance : "Tailored coverage for BC explorers"

Top BC travel insurance plans in 2024

In general, the best travel insurance option depends on your specific needs, such as the type of trip, the level of coverage required and any pre-existing medical conditions. We compared plans from different companies and considered factors like reputation, coverage scope and pricing to help you choose the best option for your travel needs. Here are our top 9 picks for travel insurance for BC residents:

SoNomad travel insurance: Versatile coverage options

SoNomad travel insurance in Canada covers a wide range of expenses, including emergency medical expenses trip cancellation or interruption expenses, baggage loss or damage, personal liability coverage, trip delay insurance, emergency medical transportation, COVID-19-related expenses, such as medical treatment, quarantine and transportation.

SoNomad travel insurance is ideal for Canadian residents who are travelling outside of Canada or Canadian residents who are travelling within Canada, but who do not have a provincial health insurance plan. It’s also a good option for people who are travelling to countries with high medical costs.

• Competitive prices
• Easy to purchase and claim
• Covers a wide range of expenses
• Includes COVID-19-related expenses
• Some plans have high deductibles
• There may be exclusions for certain pre-existing conditions
• The policy may not cover all types of travel, such as adventure travel or cruises

If you would like to explore further and get a SoNomad travel insurance BC quote that is personalized to meet your unique needs, you can do so below and get results in a few moments.

Allianz travel insurance: Global assurance for your journey

Allianz travel insurance is a leading provider in Canada. With a strong international presence, Allianz can help travellers overcome language barriers and get quality medical care wherever they are.

Allianz Travel Insurance Canada offers a variety of coverage plans to fit any travel itinerary. The coverage per travel package is comprehensive and includes medical interventions, car rental protection and travel interruptions.

• Variety of plans to choose from, depending on your budget and travel needs
• Free coverage for dependent children under 17 years old
• Extensive coverage for long trips
• Easy access to customer service for assistance
• Lower coverage limits than some competitors
• Adventure and extreme sports activities not included

If you would like to explore further and get an Allianz travel insurance BC quote that is personalized to meet your unique needs, you can do so below and get results in a few moments.

TuGo travel insurance: Adventure and all-inclusive choices

TuGo is a Canadian travel insurance provider that offers a variety of plans to suit different needs and budgets. It offers emergency medical coverage of up to $10 million, trip cancellation/interruption, baggage loss, adventure sports and more. TuGo travel insurance also offers the Cancel for Any Reason (CFAR) upgrade, which allows you to cancel your trip for any reason and receive a full refund.

TuGo is a good option for snowbirds or frequent young travellers who also seek adventure activities. However, its all-inclusive plans are only available for those aged 59 years and under, making it not the best choice for older adults.

• TuGo travel insurance covers a wide range of expenses including rental car damage
• Offers emergency medical coverage, including doctor's visits, hospital stays and ambulance rides
• Has multi-trip plans for frequent travellers
• Can be purchased easily — online or through their customer service representatives
• Premiums can be higher than some other providers
• May not cover pre-existing medical conditions, depending on the severity of the condition
• Some customers reported delays or difficulties in processing claims
• The all-inclusive TuGo travel insurance plan has an age limit of 59
• People above 59 may need to purchase a different plan or provide a medical questionnaire

If you would like to explore further and get a TuGo travel insurance BC quote that is personalized to meet your unique needs, you can do so below and get results in a few moments.

Desjardins travel insurance: Reputable brand coverage

Desjardins is Canada's largest cooperative financial institution, with over 7.5 million members, mostly in Quebec and Ontario. It was founded in 1900 in Lévis, Quebec. Desjardins travel health insurance is therefore provided by a reputable company with a trusted history.

Its coverage includes a range of travel-related risks, such as emergencies like accidents, health, evacuations, trip cancellations, delays and more.

• Well-established and reputable company with a long history of providing financial services
• Desjardins members can get 3 days of complimentary coverage
• Free insurance on some credit cards
• Easy-to-use website and 24/7 customer service
• Penalty for not contacting assistance service
• Some advantages only for Desjardins members
• No online chatbox

Before you decide if Desjardins is the right pick for you, compare coverages, and the pros and cons of Canada's best travel insurance plans right here. You can use our HelloSafe comparator below and compare plans from the best providers and also get free quotes in no time.

Compare the best travel insurance plans on the market!

Manulife travel insurance: Comprehensive protection for all travels

Manulife travel insurance in Canada covers a wide range of expenses, including emergency medical expenses, trip cancellation or interruption expenses, baggage loss or damage, personal liability coverage, trip delay insurance and emergency medical transportation.

Manulife travel insurance is ideal for anyone who is travelling outside of Canada, whether for business or pleasure. It is also a good option for people who are travelling within Canada, but who do not have a provincial health insurance plan.

• Wide range of coverage

If you would like to explore further and get a Manulife travel insurance BC quote that is personalized to meet your unique needs, you can do so below and get results in a few moments.

Sun Life travel insurance: Flexible options for all types of travel

Sun Life is a well-regarded insurance company hailing from Canada, recognized for its assortment of insurance offerings, which encompass travel insurance as well. Its coverage encompasses emergency medical costs, trip cancellations, interruptions, loss of baggage and insurance against accidents during travel.

Families, individuals and groups of travellers alike will find appeal in its manifold coverage choices and a purchase process that is refreshingly unambiguous. Elderly individuals seeking travel insurance might find it relatively pricey due to the escalations in premiums that come with advancing age.

• An extensive array of coverage alternatives
• Provides robust coverage for exigent medical expenditures
• Simple and easy travel insurance process, catering to individuals, families and even groups embarking on journeys
• More exclusions and constraints compared to competing providers
• Might not extend coverage to pre-existing medical conditions, or the coverage for such conditions could be confined
• The claims process could prove cumbersome, potentially demanding substantial documentation from travellers

Blue Cross travel insurance: Established provider with various plans

Blue Cross travel insurance provides a range of coverage options including emergency medical expenses, trip cancellation/interruption, baggage loss and more. They offer various plans tailored to different types of travellers, such as individual, family, or senior travellers.

It offers courage for emergency medical expenses, trip cancellation/interruption, baggage loss, accidental death and dismemberment and travel assistance services. However, pre-existing medical conditions in some cases, risky activities and certain trip cancellation reasons are not covered.

• A well-known and established insurance provider with a strong reputation
• Caters to various types of travellers and offers comprehensive coverage options
• Offers flexibility in plans
• Limited coverage for pre-existing conditions
• Certain exclusions in cancellation coverage

MEDOC travel insurance: Focus on emergency medical benefits

If your primary concern is medical coverage while travelling, MEDOC specializes in offering comprehensive emergency medical benefits. Medoc travel insurance focuses on emergency medical coverage for travellers. It provides coverage for medical emergencies, evacuation and certain non-medical benefits.

While it offers great coverage options, it doesn’t cover pre-existing medical conditions, some adventure sports and certain non-medical trip interruptions.

• Strong emergency medical coverage
• Simple plans tailored to medical needs
• Limited coverage for non-medical aspects
• Pre-existing condition limitations

BCAA travel insurance: Tailored coverage for BC explorers

BCAA is a well-regarded insurance provider in BC, offering a range of coverage options for different types of travellers.

It offers various plans including emergency medical coverage, trip cancellation/interruption, baggage protection, accidental death and dismemberment and more. Its exclusions include pre-existing conditions, certain risky activities and non-medical trip interruptions.

• Established provider
• Multiple coverage options
• Some plans cover pre-existing conditions
• Limited coverage for pre-existing conditions in some plans
• Exclusions for risky activities

How much does travel insurance BC cost?

The cost of travel insurance in BC will vary depending on the company you choose, the type of coverage you need and your age and health. However, here is a general overview of the cost of travel insurance (for a 27-year-old BC resident travelling to India) from some of the top companies in BC:

Please note that these are just estimated prices for an all-inclusive package with a trip value of $1,000.00. The actual cost of travel insurance will vary depending on the factors mentioned above. It is important to get quotes from multiple companies before you buy a travel insurance policy. Here are some things to keep in mind when comparing travel insurance quotes:

• The level of coverage
• The deductible
• The maximum benefit
• The waiting period
• The exclusions

We recommend that you compare pricing, coverage, and exclusions from various policies before you decide upon one. All you need to do is simply use the HelloSafe comparator below and get free quotes tailormade to your unique needs, in just a few seconds.

What does travel insurance BC cover?

The coverage level for each of these travel insurance providers will vary depending on the specific plan you choose. However, here is a general overview of the coverage that is typically included:

These are just the maximum benefits for each coverage. The actual amount of coverage you receive will depend on the specific plan you choose.

What is travel trailer insurance BC plan?

Travel trailer insurance in BC is a type of insurance that covers your travel trailer against damage, theft and liability. It is similar to car insurance, but it is specifically designed for travel trailers.

Travel trailer insurance can be purchased through a variety of insurance companies, including ICBC, BCAA and Westland Insurance. The cost of insurance will vary depending on the make, model and value of your travel trailer, as well as your driving record and the level of coverage you choose.

The coverage that is typically included in travel trailer insurance includes:

• Physical damage: This coverage will pay for the cost of repairing or replacing your travel trailer if it is damaged in an accident, fire or other event.
• Theft: This coverage will pay for the cost of replacing your travel trailer if it is stolen.
• Liability: This coverage will pay for the cost of damages that you cause to other people or property while driving your travel trailer.
• Medical payments: This coverage will pay for the cost of medical expenses for people who are injured in an accident involving your travel trailer.
• Collision forgiveness: This coverage will waive your deductible if you are involved in an accident that is not your fault.
• Rental reimbursement: This coverage will pay for the cost of renting a replacement travel trailer if yours is damaged or stolen.

Do you need medical travel insurance in BC?

Yes, you need to purchase medical travel insurance if you are a British Columbian travelling outside of the province, even if you are only going to another part of Canada. This is because the British Columbia Medical Services Plan (MSP) does not cover medical expenses outside of the province.

There are many different travel insurance providers available, so it is important to compare plans before you buy. Some things to consider when comparing plans include:

• The level of coverage: Make sure the plan covers all of your medical expenses, including emergency hospitalization, doctor's visits and prescription drugs.
• The deductible: The deductible is the amount of money you will have to pay out of pocket before the insurance company starts paying.
• The maximum benefit: The maximum benefit is the total amount of money the insurance company will pay for your medical expenses.
• The waiting period: Some plans have a waiting period, which is the amount of time you have to wait before the insurance company starts paying for your medical expenses.
• The exclusions: Make sure you understand the exclusions, which are the types of medical expenses that are not covered by the plan.

Is there BC government employee travel insurance?

British Columbia government employees are eligible for group out-of-country and travel assistance coverage through Canada Life. This coverage includes:

• Emergency medical and dental services
• Emergency transportation
• Travel delay reimbursement
• Baggage loss or damage
• Trip cancellation or interruption

Employees can also purchase an optional emergency travel medical benefit, which provides additional coverage for medical expenses that occur during trips that begin and end in Canada. In addition to group coverage, BC government employees may also want to consider purchasing individual travel insurance. This can provide additional coverage for things like:

• Cancelling or postponing a trip due to a non-medical reason
• Lost or stolen passports or travel documents
• Trip interruption due to weather or other events
• Medical evacuation

If you'd like to explore policies that cover you beyond your government employee benefits or if you'd like to look for a policy with comprehensive coverage, you can do it right here. You can use the HelloSafe comparator below and get free personalised quotes from the best travel insurance providers.

5 tips to get cheap travel insurance BC plan

• Compare Quotes: Shop around and compare prices from different insurers. Use the HelloSafe comparator and get free quotes in seconds.
• Choose Basic Coverage: Opt for essential coverage that matches your trip needs.
• Travel Off-Peak: Plan your trip during less busy travel seasons for lower rates.
• Bundle with Existing Policies: Check if your existing insurance provider offers discounts for travel insurance.
• Increase Deductibles: Consider higher deductibles to lower premium costs.

Nishadh Mohammed is a seasoned news editor and financial writer, working with HelloSafe since May 2023. Nishadh has developed expertise in financial markets, insurance, and investment products, with a deep understanding of the Canadian financial landscape. He has honed his SEO skills and content marketing strategies while writing for Canadian publishing houses. Armed with a master's in Business Analytics and extensive journalistic experience, Nishadh uniquely combines data proficiency and thorough research to deliver comprehensive and accessible information.

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Whether you’re taking the family all-inclusive, surfing around the South Pacific, backpacking across Europe or traveling alone on business, Travel Medical Insurance is a must. Nobody enjoys getting sick or injured while on vacation, but more often the lasting pain of medical bills when you return is worse.

While we like to keep things fun and light around here, make no mistake, this is a serious issue. Typical inpatient costs at many U.S. hospitals can cost $10,000 per night. With rates costing as little as $1.15 per day, besides not travelling at all, there is no better way to protect your family and your finances than buying Travel Medical Insurance.

So when you‘re planning that next golf trip to Scotland or long overdue pilgrimage to Graceland, make sure you have the proper coverage to avoid any unexpected surprises.

Did you know you can easily buy travel insurance online? Simply click the button, Instant Insurance , fill out the form, and away you go – buying insurance has never been easier.

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Insuring wine: is it necessary, spring home maintenance tips, testimonials, if you think all insurance companies are the same, you're wrong. schill is the best. fast personal service every time. i've been coming here for years and i'm always impressed with their positive attitude and friendly service..

Ian Durning

Schill Insurance has always taken excellent care of us. Very professional plus they seek out our best deal. Highly recommend them for all your insurance needs

Thanks very much for your help again this year. it’s great being able to count on you guys to identify exposures which can hurt, and solutions to protect us. the savings were nice too.

Chris Fahlke

Owner / General Manager

Gryphon Graphics Inc.

We have seen how a bad insurance experience can affect our sales process. With Schill, I have complete faith in the way they handle and manage each transaction and client. Their agents are always professional and attend to every detail. I am sure Schill Insurance is the best option out there and sincerely recommend their insurance services.

Cedric Gagne

White Rock Hyundai

I was reminded when renewing my ICBC policy yesterday what a super group of folks make up the Schill family, no wonder I have made them my broker of choice for more than 25 years!

Jay Paterson

Through 20 years of buying insurance for my construction business from several brokers, nobody comes close to better service than Shanna at Schill Insurance.

Trevor Brown

TG Fire Protection

I have used Schill for personal insurance for years, but this was my first time inquiring about commercial insurance. So thankful for the very prompt, friendly and informative service I received. Highly recommend!

Erin De Cicco

I switched my business insurance over from another provider and I couldn't be happier! Their overall support, customer service and rates makes them the best!

Peter Mcmillan

The friendly helpful staff is amazing. Can't remember when I started dealing with Schill's but I love the confidence I have - both house and vehicle insurance - and knowing if I happen to be travelling and my family left looking after everything at home will be well taken care of by the "local Schill family" while I am away. We always feel we can text from anywhere in the world and Schill's will help!!!

Je Jamieson

Always great service from the Staff at Schill Insurance. Friendly, professional and helpful.

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Introducing the ultimate Club MD experience

From work to play, and everything in between, we provide you with access to hundreds of deals from recognizable, best-in-class brands, elevating every facet of your life – from practice supports to entertainment, restaurants, electronics, travel, health and wellness, and more. Your Club MD membership ensures that these deals are exclusive to you, eliminating the need to search or negotiate.

Welcome to the ultimate Club MD experience. Your membership, your choices, your journey.

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Important Travel Insurance implications during the COVID-19 outbreak

We encourage our members to follow the advice of the Government of Canada and local government when booking and travelling.

If you do choose to travel, here is some additional information to help you plan ahead. Be sure to read your policy in full, to ensure you have an understanding of what it covers, and what it doesn’t cover. Rules and guidelines are changing rapidly. For the Doctors of BC MEDOC policy:

Out of Country Emergency Medical Insurance coverage IS available for COVID-19 medical emergencies, even where travel advisories due to COVID-19 are in place. This applies to both the travel insurance included with Doctors of BC HBTF plan and to the standalone coverage purchased through Johnson.

Trip cancellation/trip interruption, coverage for COVID-19 IS NOT available, even where there is no travel advisory in effect. Trip cancellation is only included with standalone coverage purchased through Johnson.

Out of Country Emergency Medical Insurance Coverage

Typically, any medical condition you suffer or contract in a specific country, region or area while a travel advisory of “Avoid non-essential travel” or “Avoid all travel” is in effect for that specific country, region or area and the travel advisory was issued by the Government of Canada before your day of departure, is excluded from coverage. However, for Emergency Medical Insurance benefits, this exclusion does not apply to medical conditions or losses related to COVID-19, even while a travel advisory related to COVID-19 is in effect.

Trip Cancellation and Trip Interruption Insurance Coverage

Travel insurance policies, including MEDOC, typically exclude coverage where the insured is aware, on the date they book travel, of any event that may prevent the insured from travelling as planned. As the Coronavirus outbreak has been declared by the World Health Organization as a global pandemic, Trip Cancellation and Trip Interruption coverage for COVID-19 IS NOT available, even where there is no travel advisory in effect.

Please visit for the most up-to-date information regarding travel advisories or https://www.johnson.ca/coronavirus for information related to COVID-19 coverage on the MEDOC plan.

Doctors of BC members can choose from two exclusive programs offered by Johnson Inc.: 

Emergency Medical Travel Plan

Trip Cancellation/Interruption Coverage

Emergency Medical Travel MEDOC is an Emergency Medical Travel Plan designed to insure those traveling outside their province of residence. All members and their spouses are eligible to purchase coverage, regardless of age or health.

The MEDOC coverage is a multi-trip annual base plan. Supplemental coverage can also be purchased for longer trips. Here are just some of the special and unique features of MEDOC:

Covers up to $5,000,000 of emergency medical expenses each time you travel

Includes Trip Cancellation, Interruption & Delay Insurance up to $8,000/person

Baggage & Personal Effects benefit up to $1,500/person, maximum $3,000/family

About the Plan

Annual base plan covers the member and/or spouse and family members for an unlimited number of trips per year, each up to 35 days duration

Supplemental Plan available in 15 day increments for single trips longer than the 35 day annual plan duration

Competitive rates and pricing for three health options: Optimum, Preferred and Standard

Direct claims payment, whenever possible

Coverage available regardless of age or health status

Vehicle return

Bedside transportation for a relative

Emergency dental care

Repatriation

And... many additional benefits.

The MEDOC Plan also includes the services of a travel assistance company, Global Excel Management Inc., who provides support through a claims assistant help line. Some of the services provided by Global Excel Management include:

24 hour, 7 days-a-week multilingual help line

Claims assistance and medical monitoring

Confirmation of coverage

Direct payment of claims to the Medical Service Provider, whenever possible

Assistance with replacement of lost travel documents and tickets

Language assistance and help in obtaining legal services

Pre-trip planning

Trip interruption/cancellation coverage

Stand-alone Trip Interruption/Cancelation coverage is now available if you already have travel medical coverage and are seeking trip cancelation, interruption and baggage loss coverage only. Contact Johnson Inc. for full details.

Contact information

For more information, contact Johnson Inc.:

Telephone: 604 881 8840 or 1 866 799 0000 Fax: 604 881 8828 www.johnson.ca/travel-insurance  

Helpful tips

Importance of Accurate Information at Time of Application

Luggage Tags and Information Security  

Travel Insurance Checklist- choose the product that's right for you!

Emergency contact information for MEDOC covered members 

In case of a Travel/Medical Emergency, you or someone on your behalf MUST call the MEDOC Claims Assistance Centre prior to treatment or your coverage will be limited. 

24 HOUR EMERGENCY HELPLINE  

In Canada/USA: 1 800 709 3420 

Other Countries: 819 566 1002 (collect call) 

Fax Canada/USA: 1 877 566 8723 

Fax outside Canada/USA: 1 819 566 8723

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BCAA Travel Insurance & COVID-19

Bcaa travel insurance & covid-19 coverage.

BCAA Travel Insurance offers both Travel Emergency Medical Insurance and non-medical Trip Protection Coverage (i.e. Trip Cancellation & Trip Interruption Insurance, and more) and COVID-19 impacts each coverage differently.

BCAA Travel Emergency Medical Insurance: If you purchased your policy on August 13, 2021 or later, your policy includes up to $1,000,000 or $10,000,000 in coverage for COVID-19 related medical expenses outside of Canada depending on your vaccine status and your eligibility*.  Your coverage wording is available at bcaa.com/wordings.

BCAA Visitors to Canada Travel Emergency Medical Insurance. If you purchased your policy on August 13, 2021 or later, your policy includes coverage for COVID-19 related medical expenses, up to the coverage limit you selected at the time of purchase**. Your coverage wording is available at bcaa.com/wordings.

BCAA Trip Cancellation or Trip Interruption (Trip Protection Package/Non-medical Travel Package): As of March 5, 2020, COVID-19 is considered a known event worldwide, and no coverage is available for COVID-19.

More information is available in the below Frequently Asked Questions .

COVID-19 and Travelling

Before you go.

Be sure to familiarize yourself with travel rules, restrictions and requirements for your departure from, and return to, Canada. Helpful checklists can be found at travel.gc.ca . It’s also a good idea to closely review your insurance coverage so you’re familiar with the terms and conditions before you leave.

While you’re away

If you get sick while you’re away, with BCAA Travel Insurance you have access to personalized care, with safe and convenient virtual and in-person visit options, as well as the flexibility to choose your medical provider and obtain treatment in any hospital anywhere in the world. If you are not familiar with the medical providers at your location, we can help you find appropriate medical attention.

When you return

Anyone travelling to Canada will need to follow testing and quarantine requirements. Visit the Canadian Government website, travel.gc.ca , for the latest detailed information, including helpful pretravel checklists. If you develop symptoms of COVID-19 once you return home, call 8-1-1 for more information and advice.

Helpful resources

• Current Canadian travel advisories: Learn about current travel advisories from the Government of Canada at travel.gc.ca .
• Travel rules and requirements: Travel rules and requirements can change quickly and without notice, so we strongly advise that you check the Canadian government travel website  for rules and requirements for leaving Canada, as well as for those of your destination.
• News on disease outbreaks and ways to protect yourself: The Public Health Agency of Canada and the BC Centre for Disease Control provide the latest news on disease outbreaks, including Coronavirus (COVID-19) and ways to protect yourself, while you’re home and away. You may also want to check the number of COVID-19 cases and vaccination levels for your destination through the World Health Organization .

BCAA Travel Insurance Coverage

Does my bcaa travel emergency medical insurance policy cover covid-19 arrow icon.

All Travel Emergency Medical Insurance policies for Canadian residents provide up to $10,000,000 or $1,000,000 in coverage for COVID-19-related emergency medical expenses depending on your vaccine status*. Coverage also applies when travel is within Canada. For details on Visitors to Canada Travel Emergency Medical Insurance COVID-19 medical coverage, see the BCAA Visitors to Canada Travel Emergency Medical Coverage FAQ section below .

Does my BCAA Trip Protection (Trip Cancellation & Interruption) policy cover COVID-19? Arrow Icon

If you purchased or renewed your Trip Protection Package on or after March 5, 2020 you will not have coverage for Trip Cancellation & Trip Interruption for COVID-19, as it is considered a worldwide “known circumstance”. Trip Cancellation & Interruption Insurance policies are designed to cover unexpected issues. Because COVID-19 is so widely known, it’s no longer considered unexpected. You can learn more at bcaa.com/wordings .

What happens if I get sick before I leave? Arrow Icon

If you develop symptoms associated with COVID-19 (or any illness) before your vacation, it would be wise to avoid travelling.

If you test positive for COVID-19 or show COVID-19 symptoms within the 14-days prior to your departure date, COVID-19 medical coverage will not be available to you.

If you experienced a COVID-19 infection more than 14-days before departure, it will be considered an unstable pre-existing condition if it does not meet the definition of minor ailment as outlined in the Definitions section of the policy wording available at bcaa.com/wordings . Optional unstable pre-existing condition coverage is available for additional premium and would provide coverage up to $300,000 for COVID-19 medical emergencies if you do not experience further symptoms or require further treatment within 7-days prior to departure.

If you had a COVID-19 diagnosis that occurred more than 14-days before departure that does meet the criteria for minor ailment, it would not be considered a pre-existing condition and you would be eligible for up to $10,000,000 or $1,000,000 in COVID-19 emergency medical coverage depending on your vaccine status*.

If you have purchased the Trip Protection Package and would like to cancel your trip due to illness, coverage may be available provided you purchased the insurance before contracting the illness and your physician advised you in writing against travelling. If your policy was purchased on or after March 5, 2020, you would not have coverage if you got sick with COVID-19.

Please see full terms and conditions at bcaa.com/wordings or contact us to discuss pre-existing conditions and their impact on available coverage.

If I get sick while I’m away, what are my treatment options? Arrow Icon

If you get sick while you’re away, with BCAA Travel Insurance you have access to personalized care, with safe and convenient virtual and in-person visit options, as well as the flexibility to choose your medical provider and obtain treatment in any hospital anywhere in the world. If you are not familiar with the medical providers at your location, we can help you find appropriate medical attention. You can learn more and find contact information at bcaa.com/travelclaims .

COVID-19 Emergency Medical Coverage

How does a level 3 canadian government travel advisory impact covid-19 emergency medical coverage arrow icon.

COVID-19 emergency medical coverage is still available if a Level 3 (avoid non-essential travel) advisory for COVID-19 is in place for your destination at the time of your departure. Please check the Government of Canada website for the latest travel advisories. Please also check all other FAQs and bcaa.com/wordings for all policy terms and eligibility criteria.

How does a Level 4 (avoid all travel) Canadian Government travel advisory impact COVID-19 Emergency Medical Coverage? Arrow Icon

If a Level 4 Government of Canada travel advisory for COVID-19 is in place at the time of your departure, COVID-19 emergency medical coverage is not available.

If a Level 4 Government of Canada travel advisory for COVID-19 is issued after your departure, COVID-19 emergency medical coverage is available as long as prior to departure the travel advisory in place for your destination was lower than Level 3 (or there was no advisory in place).

Please note that some countries (even particular territories and jurisdictions within those countries) may have Level 4 advisories for COVID-19, so it is important to check the Government of Canada website for the latest travel advisories for your destination.

Who is eligible for COVID-19 Emergency Medical Coverage? Arrow Icon

BCAA Travel Emergency Medical Insurance policies include up to $1,000,000 or $10,000,000 CAD in coverage for emergency medical travel expenses related to COVID-19 outside of Canada based on your vaccine status and eligibility. $10,000,000 limit applies if you have been fully vaccinated (administered with at least two doses of a Health Canada-approved COVID-19 vaccine) and up to $1,000,000 CAD if you have been administered one dose. Dose(s) must be administered 14-days or more prior to departure. Children under the age of 18 are covered regardless of their vaccine status. Full eligibility criteria for COVID-19 coverage and all policy terms, conditions, exclusions and limitations can be found in the policy wording at bcaa.com/wordings .

For details on Visitors to Canada Travel Emergency Medical Insurance COVID-19 medical coverage, see the BCAA Visitors to Canada Travel Emergency Medical Coverage FAQ section below .

Do I need to prove that I’ve been vaccinated to get COVID-19 Emergency Medical Insurance Coverage? Arrow Icon

Proof that you’ve been vaccinated is not required at the time of purchase, however, in the unfortunate event of a COVID-19 emergency medical claim, you will need to provide evidence that you received a Health Canada-approved COVID-19 vaccine at least 14 days prior to leaving on your trip. For coverage to apply, travelers also must have not had any COVID-19 symptoms and must not have been diagnosed with COVID-19 within 14-days prior of departure.

Do I have to pay extra to get COVID-19 Emergency Medical Insurance Coverage? Arrow Icon

Your policy includes up to $1,000,000 or $10,000,000 CAD in coverage for emergency medical travel expenses related to COVID-19, depending on your vaccine status*, at no additional cost.

I’m planning a cruise, am I able to get coverage for COVID-19 emergency medical expenses? Arrow Icon

Now that the Canadian Government has lifted the Level 4 (Avoid All Travel) COVID-19 travel advisory for cruise travel, COVID-19 emergency medical coverage is available (depending on your vaccination status*), as long as your trip departed after the travel advisory was lifted on March 7, 2022.

If your trip departed before the travel advisory was lifted on March 7, 2022, there is no coverage for COVID-19 emergency medical expenses for the duration of your trip.

COVID-19 Vaccinations

Do i need to receive a booster vaccine to be considered fully vaccinated arrow icon.

No, you do not need to get a booster vaccine to have COVID-19 medical coverage.

Full terms and conditions are available at bcaa.com/wordings .

If I receive a COVID-19 vaccine prior to departure and I have an adverse reaction to it, will treatment for my adverse reaction be covered? Arrow Icon

Coverage for adverse reactions to the COVID-19 vaccine is the same as coverage for adverse reactions to all other vaccines and depends on a few factors, including when symptoms started. You can learn more at bcaa.com/wordings .

If I receive a first or second dose of the COVID-19 vaccine while I’m away and have an adverse reaction to it, will treatment for my adverse reaction be covered? Arrow Icon

Yes, coverage would be available as this would be considered an emergency.

Quarantine Coverage

What if i’m quarantined while i’m away arrow icon.

If you are mandated to quarantine by the government or health authority at your destination due to testing positive for COVID-19, your BCAA travel insurance coverage may respond in the following way:

• Travel Emergency Medical Insurance: Your medical coverage, including coverage for COVID-19 related emergency medical expenses, may automatically extend for the duration of your government or health authority-mandated quarantine duration that lasts beyond your originally schedule return date, up to a maximum of 14-days. Visit bcaa.com/wordings to learn more.
• Travel Delay, Travel Delay & COVID-19 Quarantine or Trip Protection Package optional coverages: For departure dates on Feb 18, 2022 and later : Any policies that have the Travel Delay, Travel Delay & COVID-19 Quarantine, or Trip Protection Package optional coverages added to a BCAA Travel Emergency Medical policy, up to $300 per person per day (up to $3,000 maximum) and $500 per family per day (up to $5,000 maximum) in quarantine expense coverage is available for unplanned accommodation and living expenses. Coverage applies if you are mandated to quarantine due to testing positive for COVID-19 and are unable to return on your originally-scheduled return date.

Coverage for all other COVID-19 related claims is not available, as COVID-19 is considered a global “known circumstance”.

Please review your applicable wordings available at bcaa.com/wordings and bcaa.com/COVID-19 to learn more.

Purchasing, Renewing, Extending or Cancelling Your Policy

Can i buy a new bcaa travel emergency medical insurance policy if i’ve already left on my trip arrow icon.

No, due to the COVID-19 pandemic, BCAA is not currently able to provide coverage for travelers who have already left the country.

Can I renew my BCAA Travel Emergency Medical Insurance policy if I’m outside of Canada? Arrow Icon

Yes, you can renew your policy mid-trip.

My BCAA Travel Emergency Medical Insurance policy is about to expire and I’m still on my trip. Can I extend it? Arrow Icon

Yes, you can extend your policy. Depending on when you departed and purchased your policy, there may be certain limitations on how long you can extend your policy for, so please give us a call to discuss your circumstances.

Can I cancel and/or get a refund for my BCAA Travel Emergency Medical Insurance policy? Arrow Icon

Your eligibility for a refund depends on the type of policy you purchased, how long it’s been in effect and whether you’ve travelled on the policy. Please refer to the following table for more information. Refund rules are also available in your policy wording at bcaa.com/wordings .

What value can I get from my Annual Multi-trip BCAA Travel Emergency Medical policy if I can’t get a refund? Arrow Icon

With the global travel restrictions in place, we know that your travels may be taking you within Canada instead. Your BCAA Annual Multi-trip policy provides tremendous value for travel within Canada. For example, your maximum trip length limitation does not apply to travel within Canada, so if you selected a maximum trip duration of 8 days, you can exceed that and travel longer within Canada. Also, your policy covers COVID-19 related emergency medical expenses within Canada up to $10,000,000.

Can I cancel and/or get a refund for my BCAA Trip Protection (Non-medical/Trip Cancellation & Interruption) policy? Arrow Icon

Your eligibility for a refund depends on the type of policy you purchased. Please refer to the following table for more information. Refund rules are also available in your policy wording at bcaa.com/wordings .

Refunds are not available if you intend on making a claim on your Trip Cancellation & Trip Interruption Insurance Coverage.

BCAA Visitors to Canada Travel Emergency Medical Coverage

Does bcaa visitors to canada travel emergency medical insurance provide coverage for covid-19 related medical expenses arrow icon.

BCAA Visitors to Canada Travel Emergency Medical Insurance policies include coverage for COVID-19 related medical expenses, up to the coverage limit you selected at the time of purchase.

For coverage to apply, all vaccine dose(s) must have been administered at least 14 days prior to the effective date, arrival date or COVID-19 diagnosis date, whichever occurs later. Children under the age of 18 are covered regardless of their vaccine status. Vaccines approved by the health authority in your home country will be accepted, even if they are not approved by Health Canada for use within Canada. Coverage also does not apply if you have COVID-19 symptoms or a positive test within 14-days of arrival date or, effective date or, the date of the COVID-19 diagnosis, whichever occurs earlier. Coverage for COVID-19 related medical expenses does not apply if you are unvaccinated or partially vaccinated.

Full eligibility criteria for COVID-19 coverage and all policy terms, conditions, exclusions and limitations can be found in the policy wording at bcaa.com/wordings .

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Emergency Medical coverage for British Columbians travelling outside BC.

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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 unless you are fully vaccinated. 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.

We want you to enjoy your trip...

You're going to relax, have a good time, unwind… but before you leave do the one thing that could save you thousands or millions of dollars. Buy travel insurance.

It would be nice if you could guarantee good health and a safe trip, but in our world today, we know life, and certainly travel, are not predictable. When we travel in an unknown environment, we face risk from all angles. Don't stop exploring; just protect yourself from the unexpected — our travel plans can help you do that.

Who do we cover?

You're eligible for travel coverage if:

• You are a resident of Canada
• You have coverage with the government health plan of your province or territory
• You are applying for coverage prior to departing

We provide travel coverage to people of any age. However, persons 61 and older may be required to complete a Health Declaration form as part of their application.

If you're a visitor to Canada and want to apply for health coverage while in BC, you may be eligible for our Visitors to Canada plan.

Pacific Blue Cross travel plans are known everywhere you want to go. Whether you're looking for $10 million travel health coverage or a comprehensive package that includes baggage and trip cancellation, single or multiple trips– we have a solution for you!

What coverage is available?

Our basic travel plan covers costs related to emergency medical care resulting from an accident or sudden illness. Additional coverage is also available for trip cancellation or interruption, air flight accident, emergency return, as well as baggage loss, delay or damage.

All of our plans include:

• 24/7 access   to a team of professionals to connect you with local resources.
• Direct Pay—We will pay any providers directly.
• Coverage for pre-existing conditions—As long as your pre-existing condition meets a minimum stability period you can receive full protection.

Plan Highlights:

Basic plan coverage.

Our base plan covers the following costs for emergency medical care to a maximum of 10 million dollars:

• 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. F r ee fo r Kids! Only Pacific Blue Cross covers kids of all families for free when you buy travel medical insurance – whether its 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.
• 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.

*Requires the authorization of the attending physician and CanAssistance.

Additional Coverage Options

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

• Trip Cancellation or Interruption:   We will reimburse your travel costs if your trip is cancelled before the planned departure or interrupted after your trip has begun.
• Air Flight Accident:   We insure you if you lose your life or the use of a limb in an air flight accident.
• Accidental Death and Dismemberment:   We insure you if you lose your life or the use of a limb in a non-air flight-related accident.
• Emergency Return:   We will cover transportation expenses for you to return home and possibly back to the holiday destination in the event of an emergency.
• Baggage loss, delay or damage:   We provide payment to cover the cost of lost baggage or the cost to purchase items while baggage is delayed.

This is not a policy. Actual terms and conditions are detailed in the policy issued by Pacific Blue Cross upon approval of application. Our policy will detail plan limitations and exclusions.

Call us if an emergency strikes

Medi-Assist is our 24/7 medical travel assistance line that will help you locate medical care, provide advisory services, refer you to interpreters, assist with transportation, contact relatives and more. It means you can focus on getting healthy and leave it to us to manage your care while in an unfamiliar environment.

If you do experience an unexpected emergency while travelling, we are here to help.

During your trip, you can call our   Medi-Assist   service to determine your level of coverage and receive help:

• In Canada or the U.S., call toll-free:   1-888-699-9333
• Outside of Canada or the U.S. or where toll-free is unavailable, please call collect to   1-604-419-4487   and we will pay for the call.

Claims Process

Out-of-Province Emergency Medical Claims  — Four simple steps

Trip Cancellation / Baggage Claim Form   — Form for claiming Trip Cancellations or Lost Baggage [pdf]

Visitors to Canada Travel Plan Claim Form   — Form for claiming against a Visitors to Canada Travel Plan contract [pdf]

Choose one of our Travel Insurance plans below to get started

Travel Medical

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

Visitors to Canada

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

Trip Protection

Peace of mind coverage for travel costs related to unexpected cancellations, interruptions and delays.