Ontario Blue Cross Travel Insurance review
Best for: Travellers who want to build a policy from separate coverage pieces and annual buyers who want a precise per-trip day limit.
Ontario Blue Cross lists Emergency Medical Care up to $5,000,000 per trip.
Per-trip limit you choose on the annual plan. Single-trip maximum not listed.
Ages 0 to 54 need 3 months. An optional Reduced Stability Period is offered.
3-in-1 Package is for ages 54 or under; Visitors to Canada for 79 or younger.
The bottom line
Ontario Blue Cross lists emergency medical care up to $5 million per trip and lets you combine medical, trip cancellation and interruption, accident, baggage and Rainy Day coverage. The annual plan offers per-trip limits from 4 to 180 days. The single-trip maximum, deductible amounts and any COVID-19 wording weren’t stated on the pages we read, so check the policy wording before you buy.
Pros & cons
Pros
- Annual plan per-trip limits run from 4 to 180 days
- Optional Reduced Stability Period for pre-existing conditions
- Mix and match medical, cancellation, baggage, accident and Rainy Day cover
- Travel Assistance team listed as available 24/7
Cons
- Emergency medical is capped at $5 million per trip
- Single-trip maximum and deductible amounts not stated on the pages we read
- No COVID-19 wording found on the pages we read
- 3-in-1 Package limited to ages 54 or under and trips up to 30 days
A modular policy with a wide spread of annual day limits and a reduced stability option. Published detail is thin in places, so read the policy wording closely before you buy.
Suits you if
- You want to choose each coverage piece separately.
- You need an annual plan with a specific per-trip limit.
- You have a condition and want a reduced stability option.
Look elsewhere if
- You want a published single-trip maximum before you buy.
- You want an emergency medical limit above $5 million.
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Plans Ontario Blue Cross offers
Ontario Blue Cross lists single-trip medical, multi-trip annual, trip cancellation and interruption, a 3-in-1 Package, top-up coverage and a visitors to Canada plan. Coverage is customizable: you can choose Emergency Medical Care, Trip Cancellation and Interruption, Accidental Death or Dismemberment, Baggage and Rainy Day coverage.
Two buying rules stand out. The 3-in-1 Package is sold online only, and Rainy Day coverage must be bought online at the same time as Emergency Medical Care. The top-up and visitors to Canada plans appear on the official policies page, but their limits weren’t captured in our research.
Emergency medical and trip length
Ontario Blue Cross lists Emergency Medical Care up to $5,000,000 per trip. On the Multi-Trip Annual plan, you pick a maximum stay per trip from these options:
- Shorter getaways: 4, 8, 17 or 31 days
- Longer stays: 60, 90, 120, 150 or 180 days
- 3-in-1 Package: travel outside Canada for up to 30 days
Pre-existing conditions and stability periods
For Emergency Medical Care, Ontario Blue Cross says conditions must be stable for 3 months before departure if you’re 0 to 54, and for 6 months if you’re 55 or older. For Trip Cancellation or Interruption, a condition must be stable for 3 months before you bought the insurance or made your first trip payment, whichever came later.
An optional Reduced Stability Period is offered for pre-existing conditions. Coverage depends on the policy wording, including how it defines a stable condition, so read it before you rely on any shorter period.
Age limits and medical questions
The 3-in-1 Package is for Canadian residents aged 54 or under, and the visitors to Canada plan is available to people aged 79 or younger. We found no general age cap and no medical questionnaire age on the pages we read. Ask Ontario Blue Cross what applies to you, and answer every medical question accurately, since an incorrect answer can affect a claim.
Buying and claims notes
You can buy online. Ontario Blue Cross says its Travel Assistance team is available 24/7, which is the line to call before seeking treatment where possible. It also says several deductible options are available, but the amounts weren’t stated, and a Rainy Day deductible may apply depending on the policy.
We found no COVID-19 or pandemic wording on the pages we read, and the policy wording PDFs couldn’t be opened. The pages say Québec Blue Cross and Ontario Blue Cross are licensed to the Canadian Hospital Service Association, with no separate underwriter named. If any of these points matter for your trip, confirm them with Ontario Blue Cross in writing.
Other travel insurance we review
- Allianz Travel InsuranceEmergency medical: Up to $10 million
- BMO Travel InsuranceEmergency medical: Up to $5 million
- CAA Travel InsuranceEmergency medical: Up to $10 million
- Desjardins Travel InsuranceEmergency medical: Up to $5 million per trip
- Medipac Travel InsuranceEmergency medical: $2 million US (base)
- Pacific Blue Cross Travel InsuranceEmergency medical: Up to $10 million
- RBC Travel InsuranceEmergency medical: Unlimited
- TD Travel InsuranceEmergency medical: Up to $10 million per trip
- TuGo Travel InsuranceAge limits: All ages (medical plans)
Frequently Asked Questions
What is the longest trip the Ontario Blue Cross annual plan covers?
The Multi-Trip Annual plan lets you choose a maximum stay per trip of 4, 8, 17, 31, 60, 90, 120, 150 or 180 days. If a trip will run past your chosen limit, ask Ontario Blue Cross about top-up coverage before you leave.
Who can buy the Ontario Blue Cross 3-in-1 Package?
Ontario Blue Cross says the 3-in-1 Package is for Canadian residents aged 54 or under travelling outside Canada for up to 30 days. It’s sold online only.
How long must a condition be stable for Ontario Blue Cross emergency medical coverage?
Ontario Blue Cross lists 3 months of stability before departure for ages 0 to 54 and 6 months for ages 55 and over. An optional Reduced Stability Period is offered. Read the policy wording for how stable is defined.
Can I add Rainy Day coverage to an Ontario Blue Cross policy later?
Ontario Blue Cross says Rainy Day coverage must be bought online at the same time as Emergency Medical Care. Plan to add it when you first buy medical coverage. A Rainy Day deductible may apply depending on the policy.
Is COVID-19 mentioned in Ontario Blue Cross travel policies?
We found no COVID-19 or pandemic wording on the Ontario Blue Cross pages we read. Ask the insurer directly and check the policy wording before you rely on it for an illness abroad.
Is there an Ontario Blue Cross plan for people visiting Canada?
Yes, a visitors to Canada plan is listed, available to people aged 79 or younger. Its limits weren’t captured in our research, so check the plan details before buying.
Can I pick a deductible with Ontario Blue Cross travel insurance?
Ontario Blue Cross says several deductible options are available, but the dollar amounts weren’t stated on the pages we read. Confirm the choices and how the deductible applies when you get a quote.
Does Ontario Blue Cross trip cancellation cover a pre-existing condition?
For Trip Cancellation or Interruption, the condition must be stable for 3 months before you bought the insurance or made your first trip payment, whichever came later. Check the policy wording for the exclusions that apply.
Sources
Features come from the insurer’s own site, checked October 14, 2026. Coverage is decided by the policy wording, not this summary: read it, and answer every medical question accurately. We don’t show premiums because they depend on your age, health and coverage. See our methodology.