What is Manitoba Blue Cross Travel Insurance?
Manitoba Blue Cross travel insurance is a trusted travel protection plan offered to Manitoba residents, providing financial coverage for emergency medical expenses, trip interruptions, cancellations, and more while traveling outside Manitoba or abroad. Whether you’re heading out for a short vacation, an extended international stay, or a cross-border business trip, this insurance ensures you’re protected against unforeseen circumstances.
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As an affiliate of the Canadian Association of Blue Cross Plans, Manitoba Blue Cross is known for its reliable service, flexible options, and comprehensive medical assistance while traveling.
Key Features of Manitoba Blue Cross Travel Insurance
Here are the primary features you can expect with Manitoba Blue Cross travel coverage:
1. Emergency Medical Coverage
- Up to $5 million in emergency medical coverage
- Hospital and physician services
- Ambulance and air evacuation
- Prescription medications during emergencies
- Paramedical services (e.g., physiotherapy, chiropractic)
2. Trip Cancellation & Interruption Insurance
- Covers non-refundable travel costs if your trip is canceled or interrupted due to:
- Medical emergencies
- Death or illness of a family member
- Natural disasters or airline disruptions
3. Baggage Insurance
- Reimbursement for lost, stolen, or delayed baggage
- Includes personal effects coverage
4. Accidental Death & Dismemberment (AD&D)
- Compensation in the event of injury or death due to an accident while traveling
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Who Should Buy Manitoba Blue Cross Travel Insurance?
This insurance is ideal for:
- Vacation travelers going outside Manitoba or Canada
- Snowbirds spending the winter in the U.S. or abroad
- Students studying internationally
- Families traveling with children
- Business travelers going on cross-border assignments
Types of Travel Insurance Plans Available
Manitoba Blue Cross offers flexible plan types to suit different traveler needs:
a) Single Trip Plans
For one-time trips outside Manitoba or Canada.
b) Annual Multi-Trip Plans
Ideal for frequent travelers — covers unlimited trips throughout the year (each with a maximum trip duration).
c) Top-Up Insurance
Used to extend an existing travel policy (e.g., for snowbirds who exceed their coverage with another provider).
Coverage Exclusions and Limitations
Like most insurance plans, some exclusions apply. Manitoba Blue Cross travel insurance may not cover:
- Pre-existing medical conditions that are unstable
- Travel for the purpose of seeking medical treatment
- Incidents due to high-risk sports (unless additional coverage is purchased)
- Non-emergency or elective medical services
It’s crucial to review the policy wording and eligibility criteria before purchasing.
How to Purchase Manitoba Blue Cross Travel Insurance
You can purchase the policy:
- Online via the Manitoba Blue Cross website
- Over the phone through a licensed representative
- Through your insurance broker
- In person at a Manitoba Blue Cross office
You’ll need to provide travel dates, destination, personal health details, and whether you want medical-only or full package coverage.
How to File a Claim
To file a travel insurance claim:
- Contact the Manitoba Blue Cross 24/7 Assistance Line immediately in case of an emergency.
- Keep all receipts, medical records, and proof of travel (e.g., boarding passes).
- Submit your claim online or by mail within the specified time frame.
- Claims are typically processed in a few weeks, depending on complexity.
Why Choose Manitoba Blue Cross?
- Local expertise tailored to Manitoba residents
- No age limit for travel emergency medical plans (subject to underwriting)
- 24/7 worldwide emergency assistance
- Direct payment arrangements with many hospitals and clinics abroad
- Trusted brand with a strong reputation in health and travel insurance
Final Thoughts
Manitoba Blue Cross travel insurance offers robust protection for anyone planning a trip beyond Manitoba’s borders. Whether you’re going away for a week or several months, having the right travel coverage can save you thousands of dollars and give you peace of mind.
Make sure to compare plans, read the fine print, and assess your health needs before purchasing. Travel smarter, and let Manitoba Blue Cross help you enjoy worry-free adventures.
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