What type of insurance does Blue Cross offer?
First and foremost Blue Cross sells health
A health insurance policy reimburses you for costs associated with
an illness or accident:
• that are not covered by the RAMQ, including health
professionals other than doctors, and
• some costs covered by the RAMQ, but that may be obtained in
a private clinic, such as diagnostic tests.
Blue Cross also sells health insurance to cover medical expenses
outside of Québec.
This type of insurance is better known as travel insurance; it
primarily protects your health but also includes indemnities
• the cost of repatriation to Canada
• reimbursing the amounts paid and not reimbursed by travel
wholesalers or airline companies
• accidental death or dismemberment, and much more.
Blue Cross health and travel insurance plans are coupled with
assistance services. Health assistance offers you health and legal
advice, homecare assistance and exclusive benefits, while travel
assistance takes care of you if something happens to you while
Who can be insured through Blue Cross?
Any Canadian resident can subscribe to Blue Cross health
insurance. You must have a valid health insurance card for your
province of residence. Blue Cross exists across Canada however each
company is independently operated. Québec residents
must have a valid RAMQ card to purchase insurance from
Québec Blue Cross; an Ontario resident must have a valid
OHIP card to purchase insurance from Ontario Blue Cross, etc.
Health insurance is also available to Visitors to Canada or people
who need to obtain their provincial health insurance card,
including Canadian citizens returning to Canada after a long
absence, individuals awaiting immigration status and individuals
coming to study or work in Canada on a temporary basis. People who
need this protection should obtain it from Blue Cross in the province in which
Can I purchase an assistance service contract?
No. Assistance services are an added benefit of
your insurance policy. If you do not have a Blue Cross
insurance policy and are injured or become seriously ill while
outside of Canada you may still turn to Blue Cross travel
assistance services. We will immediately help you and repatriate
you to Canada. However any fees incurred will be your
responsibility. To give you an idea, the cost of repatriation for
health reasons from Paris to Montréal is between $25 000 and
$45 000, depending on the type of transportation.
Can I replace my RAMQ drug insurance with Blue Cross drug insurance?
No. The law requires that anyone who does not have group
insurance registers with the government drug insurance plan. This
is an obligation in the same way you must subscribe to the
Régie de l’assurance maladie du Québec.
Provincial drug insurance has a deductible and coinsurance, the
part that you must pay. These charges may be reimbursed if you have
Blue Cross health