Deluxe travel health plan with coronavirus coverage
When you need emergency medical care away from home, the costs can quickly add up, and Manitoba Health does not fully cover you when you are out of the province. Protect yourself with Manitoba Blue Cross coverage.
This comprehensive plan covers you in case of a medical emergency anywhere outside Manitoba, including coverage for coronavirus for those who are not vaccinated or in the event of a COVID-related non-essential travel advisory.*
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Benefits
Travel Health Benefits are covered to a maximum of $5,000,000 per person, per claim to a lifetime maximum of $5,000,000 per person.
The following Travel Health Benefits are applicable to sudden, unexpected or unforeseen emergency treatment only:
- Hospital in-patient and out-patient coverage.
- Medical and surgical coverage.
- Ambulance coverage.
- Coronavirus pandemic quarantine.
- Coronavirus testing and taxi to and from testing centre. (These benefits are only valid for emergency or unforeseen testing. A mandatory coronavirus test to return to Canada is not a medical emergency, therefore the transportation to a testing centre and cost for the test are not covered in this situation.)
- Coronavirus pandemic trip interruption.
- Coverage for emergency evacuation from a mountain, body of water or other remote location, by a commercial operator licensed to convey passengers when a regular ambulance service cannot be used, to a maximum of $5,000 per person.
- Economy air transportation home by stretcher.
- Dental care to natural teeth when necessitated by a direct accidental blow to the mouth. Maximum coverage $3,000 per accident.
- Emergency relief of dental pain to a maximum of $300.
- Up to $7,500 towards the cost of transporting the deceased home, or up to $5,000 for cremation or burial at place of death.
- Private duty nursing.
- Additional board and lodging expenses incurred beyond the original duration of your trip by an immediate family member or friend covered by a Manitoba Blue Cross Travel Health Plan remaining with you during your hospitalization.
- Coverage for transportation to your bedside, while you are confined to hospital for at least three days outside of Manitoba. Transportation coverage also allowed for a family member to identify the deceased prior to release of the body, if required by law. Coverage includes round-trip economy airfare on a commercial flight via the most direct cost-effective route from Canada to the place where the illness or accident occurred.
- Coverage for commercial accommodations and meals for a person travelling to the bedside or travelling to identify a deceased family member to a combined maximum of $200 per day to a maximum benefit payment of $2,500.
- Physiotherapy provided in a hospital.
- Chiropractic and/or podiatrist services.
- Prescription drugs.
- Repair or replacement of prescription eyeglasses or contact lens or lenses due to accident or injury to a maximum of $100.
- An allowance of $40 per day for each day you are hospitalized. Maximum coverage $1,000.
- Return of your vehicle if you become totally disabled and are unable to drive, to a maximum of $4,000.
- Medical evacuation to a hospital in Canada. Prior approval must be obtained from Manitoba Blue Cross.
- Additional cost, of the most direct return economy flight to Manitoba from the place where you were hospitalized, including the cost of return economy flight for a nurse if nursing care is required during your flight home. This benefit is also available to your family (applicant, spouse and dependent children) or one friend who is also covered by a Manitoba Blue Cross travel health policy travelling with you at the time of injury or onset of illness.
- Additional cost of return economy airfare for an escort to accompany your children (up to 18 years) to Manitoba in the event you have been air evacuated to Canada for medical reasons.
- Coverage up to a combined maximum of up to $500 per pet for:
- ~Commercial kennel or cost of returning an accompanying pet to your home city in Manitoba in the event you are hospitalized for a minimum of three days as an in-patient.
- ~Emergency veterinary care due to an unexpected injury of accompanying pet.
- International Travel Assistance: the provision of 24 hour worldwide assistance for medical situations arising out of emergency illness or accident requiring hospitalization or medical treatment.
At no extra cost, Travel Health and Travel Accident benefits will be extended for up to 72 hours after the scheduled return date in the following circumstances:
- If due to a medical emergency you are hospitalized as an in-patient on your last day of coverage, (as determined by the dates indicated on your Travel Plans application) your benefits will remain in force throughout the period of hospitalization. The 72 hours begins following your discharge from hospital.
- If your return is delayed due to the fault of the carrier in which you are a fare-paying passenger, the automatic extension applies.
Note: A claim under this benefit must be supported by a letter from the transportation authority confirming the period of delay.
Failure to contact the Travel Assistance service prior to receiving any treatment may invalidate coverage.
Medical Emergency While TravelIing
Contact the international travel assistance service immediately for benefits verification and procedures.
• In Canada and United States, call toll free 1.866.601.2583
• In all other countries, or if you are having difficulties with the toll free number, call collect 204.775.2583 (country code may be required)
• If unable to call collect, place the call and submit your detailed receipt for the long distance charges with your claim.
For general inquiries, call Manitoba Blue Cross at 204.775.0151 or 1.888.596.1032 (toll-free).
Eligibility
To be eligible for travel health coverage you must be covered by Manitoba Health for the entire duration of the period of coverage.
Deluxe Coverage must be purchased prior to departure from Manitoba and/or Canada and for the entire duration of the trip, which originates and terminates in Manitoba and/or Canada.
A participant will not be eligible for coverage under a Manitoba Blue Cross policy if they:
- are travelling outside Manitoba with the intent to seek medical advice, surgery, treatment or a second opinion, even if the trip is on the recommendation of a physician or other medical professional.
- have been advised by their physician or other medical professional not to travel.
- have had two or more major strokes. (Strokes that have resulted in symptoms that lasted for more than 24 hours).
- require home oxygen.
- are receiving kidney dialysis.
- have received a terminal prognosis.
- have been diagnosed with Acquired Immune Deficiency Syndrome (AIDS).
Please Note:
- A pre-existing stability period will apply.
- Coverage for trips in excess of 32 days cannot be purchased more than 30 days in advance.
Refunds
- A complete refund is available if your entire trip is cancelled and Manitoba Blue Cross or an authorized agent is notified prior to your date of departure.
- A partial refund will be calculated based on categories of time from the date notification is received by Manitoba Blue Cross or an authorized agent.
- No refund is available if a claim was incurred during your orginal term of coverage or if your policy has been extended.
Extensions
Automatic Extensions
At no extra cost, the coverage for Travel Health benefits will be extended in the following circumstances:
- If due to a medical emergency you are hospitalized as an in-patient on your last day of coverage, (as determined by the dates indicated on your Travel Plans application), your benefits will remain in force throughout the period of hospitalization. The 72 hours begins following your discharge from hospital.
- If you have been advised by a medical professional to quarantine/self-isolate beyond your return date as a result of the coronavirus pandemic, Manitoba Blue Cross will extend your coverage for the duration of your coronavirus quarantine and up to 72 hours after your quarantine/self-isolation period.
- If your return is delayed due to the fault of the carrier in which you are a fare-paying passenger, your benefits will remain in force up to 72 hours after the scheduled return date.
- Note: A claim under this benefit must be supported by a letter from the transportation authority confirming the period of delay.
Is the original term of your policy no longer sufficient?
You may extend the duration of your original policy if:
- Medical attention has not been received during initial term.
- A claim has not been incurred during the initial term.
- You request the extension prior to the expiry date of your policy.
- The extension is for all benefits purchased on the original policy.
Your original policy plus the extension cannot exceed:
- Under Age 55 - 183 days
- Age 55 to 74 (Gold) - 183 days
The information on this page is for reference only. For complete coverage details, please refer to the Annual and Deluxe Coronavirus Pandemic Terms and Provisions. In the event of any difference between the terms here and those of the Terms and Provisions, the terms of the provisions shall prevail.