The coverage provided by your credit card company may have limitations or restrictions. It is important to review your policy thoroughly for coverage details. It is often recommended that you purchase additional coverage for complete protection.
Check your credit card coverage for the following:

Travel duration
Travel insurance cannot be purchased once you depart from Quebec. It is important to check the length of stay covered by your credit card company, as well as any restrictions based on age.

Emergency medical care coverage
There are often strict eligibility and stability requirements based on your current health. Make sure you understand the exclusions in your coverage prior to your departure. You could be quite unhappy to learn that a health condition is excluded right when you need emergency medical care. Also make sure the coverage amounts are enough, and inquire about any deductibles you may have to pay.

Trip cancellation and interruption
If you incurred fees up front, make sure the amount covered under trip interruption/cancellation is enough to save you from financial losses. Most credit card companies do not cover trip interruption or cancellation, and when they do, the maximums are not sufficient to fully cover your costs. Blue Cross can provide you with coverage that protects you in the case of unforeseen situations.

Protect yourself and your family. Don’t risk your financial security with incomplete coverage. With Blue Cross travel insurance, you enjoy complete medical coverage by a travel insurance company recognized around the world.

Blue Cross travel insurance offers several deductible amounts if you wish to reduce your insurance premium, but they are not mandatory. If you do choose a deductible, you are responsible for any costs up to the chosen deductible amount.

An illness or medical condition that already exists at the time of departure is considered pre-existing. To be covered by travel insurance, your pre-existing condition must remain stable for a specified period, as outlined in the contract. The stability period varies depending on your age. You may reduce this stability period by choosing the Option: Reduced Stability Period. Please feel free to contact one of our agents for further information regarding travel insurance coverage related to your health condition.

That’s only partially true. Medical costs are covered across Canada, but provincial health plans:

• Do not offer the same services to non-resident travellers as they do to residents (even though you are Canadian, you are considered a non-resident even if you live in a neighbouring province).
• Vary from one province to another and do not pay the same rates in all provinces.

Below are some examples of costs you may need to pay in a neighbouring province:

• Return of vehicle
• Air ambulance
• Relatives visiting when you are hospitalized

There are billing agreements between certain provinces, but not all. Since medical costs vary from one province to another, what may be sufficient to cover a medical service in one province may not be enough to cover the same service in another.