Health expenses resulting from accidents or unexpected illnesses that occur outside of Manitoba are not fully covered by Manitoba Health. The difference between what Manitoba Health will pay and the actual cost may be substantial.

Based on the reciprocal billing agreement, Manitoba Health will pay the standard rate if you see a doctor or are admitted to an approved hospital in Canada; however, not all expenses are covered.

You must be a Manitoba resident, registered with and entitled to benefits from Manitoba Health to apply for travel coverage.

Residents of Nunavut may also apply for travel coverage by contacting our customer service centre toll-free at 1.888.596.1032.

Travel health coverage must be purchased prior to departure.

Plans that include cancellation coverage (Air, Holiday or Tour Package) must be purchased at time of deposit (within 72 hours) or prior to any cancellation or penalty period.

No, coverage must be purchased for the entire duration of the trip. Conversely, you cannot extend or top up your Manitoba Blue Cross coverage with another carrier. Any extension or top up with another carrier will invalidate all coverage for that trip.

Coverage maximums vary by plan.

• For our Deluxe Travel Health plan, the maximum allowable duration is:
• ~ 183 days for Deluxe Blue or Gold
• ~ 62 days for Deluxe Silver
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• For our Deluxe Travel Health with Coronavirus Coverage plan, the maximum allowable duration is:
• ~ 183 days for Under Age 55 (Blue)
• ~ 183 days for Age 55 to 74 (Gold)
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• For our Annual Travel Health plan, the maximum allowable duration is 32 days. However, if you are under the age of 55 you may purchase additional days, up to an additional 30 days (total trip duration cannot exceed 62 days).
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• For our Annual Travel Health with Coronavirus Coverage plan, the maximum allowable duration is 32 days. However, if you are under the age of 55 you may purchase additional days, up to an additional 30 days (total trip duration cannot exceed 62 days).
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• For our Tour Package Plan, the maximum allowable duration is 32 days.
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• For our Holiday Cancellation and Airfare Cancellation plans, the maximum allowable duration is 183 days.

We are unable to insure points of any kind. We are only able to insure out-of-pocket costs.

Yes, however there are many factors that may affect what is covered on a travel health plan.

It is important to disclose all medical conditions at the time of purchase so that you can be aware of any exclusions to your plan when travelling. Always discuss any concerns with your travel agent or contact us for further clarification.

Deluxe Travel Health

You are not obligated to complete this questionnaire; however doing so may give you a definite advantage.

For individuals aged 55 to 74 on date of departure, answering the medical questionnaire determines eligibility for our Gold Deluxe Travel Health Plan. Our Gold Plan allows for trips of longer duration and offers preferred pricing.

Deluxe Travel Health with Coronavirus Coverage

For individuals aged 55 to 74 on the date of departure, answering the medical questionnaire is required and determines eligibility for our Deluxe Travel Health with Coronavirus Coverage plan.

Manitoba Blue Cross defines that a pre-existing condition is a sickness, injury or medical condition, whether or not diagnosed by a physician:

• for which you exhibited signs or symptoms; or
• for which you required or received medical consultation, treatment or
• hospitalization; or
• for which you were prescribed a new medication or given a change in prescribed medication; and
• which existed prior to the departure date of your coverage

Manitoba Blue Cross defines stable as a medical condition that is not worsening, and there has been no change in prescribed medication for the condition, nor any other treatment prescribed or recommended or received.

Manitoba Blue Cross defines treatment as a medical or diagnostic procedure prescribed, performed or recommended, including but not limited to, prescribed medication, investigative testing and surgery. Treatment does not include:

• a medical condition that is Stable and Controlled;
• the unaltered use of prescribed medication for a medical condition which is Stable and Controlled; or
• a previously identified medical condition where the Physician observes no change in the condition during the stability period specified in your travel plan.

Not all changes to medication will be affected by the stability clause. A change in prescribed medication means any increase or decrease in dose, strength or frequency of a prescribed medication, as well as the addition or discontinuation of any medication. The following are not considered changes in prescribed medication:

• The daily sliding scale or glucometer adjustments for insulin injections.
• A change from a brand name medication to the generic form of the same medication provided the dosage is the same.
• The routine adjustment of Coumadin, Warfarin, or other anticoagulant medication except where newly prescribed or stopped.

Yes, being deemed medically stable to travel in a doctor’s opinion is not the same thing as meeting our definition of stable as it relates to coverage of a medical condition. Your medical condition may be considered stable from a medical point of view; however, due to the timing of the most recent change in symptoms, medications, treatment, requisition or recommendation for a test or procedure, that does not necessarily mean you’ll be covered in the event of an emergency relating to that condition.

If a pre-existing medical condition was directly or indirectly related to the need for emergency medical care during your trip, we will access your medical records to confirm whether the medical condition in question met our definition of the 90-day stability period.

Yes, every travel plan you purchase or have through a group benefit plan includes specific limitations and exclusions. It is important and your responsibility to carefully read and understand your travel plan benefits, eligibility, exclusions and limitations.

Your travel benefit contains limitations and exclusions that could affect your coverage. Some exclusions include the following:

• medical conditions that are not stable;
• participation in high-risk activities or extreme sports;
• seeking treatment, medical consultation or a second medical opinion while travelling;
• travelling against medical advice; or
• travelling after your receipt of a terminal prognosis

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A copy of your travel ID card is located on the second page of your receipt. Log in to My Policy to reprint your receipt at any time.