Pacific cross travel insurance philippines reviews năm 2024

Based in Burnaby, B.C. the not-for-profit PBC Health Benefits Society (operating as Pacific Blue Cross) provides health, dental, life, disability and travel coverage for residents of B.C. and the Yukon. Pacific Blue Cross is British Columbia’s number one health benefits provider through group benefits and individual plans.

Pacific Blue Cross is a registered trademark of the Canadian Association of Blue Cross Plans (CABCP) and the registered trade name of PBC Health Benefits Society, an independent licensee of CABCP. Life and Property and Casualty insurance is sold through PacBlue Life Services Ltd., a licensed insurance agency and subsidiary of Pacific Blue Cross, and underwritten by various underwriters, depending on the coverage purchased.

What Travel Insurance Does Pacific Blue Cross Offer?

Here are the key types of travel insurance coverage offered in Pacific Blue Cross travel insurance plans:

• Emergency medical insurance: If you fall ill or are injured on your trip, travel medical insurance can pay for emergency medical expenses, up to the coverage limits in your plan. These expenses can include doctor and hospital bills, medication and lab work.
• Trip cancellation insurance: If you cancel a trip for a reason listed in your travel policy, such as you or your travelling companion becoming ill, weather conditions causing a massive delay or you end up losing your job, trip cancellation insurance can reimburse you for prepaid, non-refundable costs.
• Travel interruption or delay insurance: Trip interruption insurance can pay for a last-minute flight home in an emergency and money that you lose if you have to return home earlier than expected, such as non-refundable activities and hotel stays. If your flight is delayed, your insurance can cover the cost of incidentals, such as meals or accommodations, after a specified period of time, usually six, 10 or 12 hours.
• Baggage insurance: Baggage travel insurance can compensate you up to your policy limits if your luggage is lost or stolen. It will reimburse the depreciated value of your suitcases and what you packed. If your checked bags are delayed, it can reimburse you for the cost of the necessities you’ll have to buy to tide you over.
• Travel accident insurance. This coverage offers compensation in the event of accidental death or catastrophic injury from an accident during your trip. Flight Accident Insurance covers injury while you’re on a commercial plane, during a connection or in an airport. Travel Accident Insurance covers death or dismemberment, including the loss of limbs or eyesight, while on your trip. This is also called Accidental Death and Dismemberment benefit.

Pacific Blue Cross Travel Insurance Plans

Pacific Blue Cross allows you to customize the amount of coverage you need. For example, you could opt for the most comprehensive travel insurance protection by selecting the Emergency Medical Care Benefit and the All Inclusive Trip Protection Plan, or you could choose the Basic Trip Protection Plan alone if you’re mostly concerned about baggage and travel accidents.

The individual benefits are as follows:

Emergency Medical Care Benefit: If you’re worried about medical emergencies while travelling, this benefit offers the following coverage:

• Hospital accommodation in a semi-private or private room
• Hospital allowance for incidental expenses, such as TV rental, parking, telephone, etc., up to $100 per hospitalization
• Physician fees
• Private duty nursing
• Paramedical services, such as care from a physiotherapist, chiropractor, osteopath or podiatrist, up to $300 per profession
• Tests and diagnostics, including X-rays
• Prescription medication as part of emergency treatment
• The purchase or rental cost of crutches, canes or splints, and the rental cost of a wheelchair, orthopedic corset or other medical appliances
• Emergency dental due to injury, up to $2,000 per accident
• Emergency dental due to pain or disease, up to $500 per trip
• Ground or air ambulance transportation
• Repatriation for medical treatment
• Transportation for a bedside companion, plus subsistence allowance for meals, accommodation and childcare
• Return of vehicle due to illness or accident
• Baggage return if you are repatriated due to medical reasons
• Return of your remains in the event of death
• Subsistence allowance for meals and accommodation if your return is delayed due to a medical reason

The Medical Follow-up in Canada Benefit is included if you purchase the Emergency Medical Care Benefit. If you are repatriated due to a medical emergency, the following costs will be reimbursed if incurred within 15 days of your repatriation:

• The cost of a semi-private room in a hospital, rehabilitation centre or convalescent home, maximum $1,000
• The fees for home nursing care when medically required, up to $50/day, maximum 10 days
• The costs for the rental of crutches, standard walker, canes, trusses, orthopedic corset and oxygen, maximum $150
• The cost for transportation, including ambulance and/or taxi, in order to receive medical care, maximum $250

All Inclusive Trip Protection: This package option includes trip cancellation, trip interruption, baggage, air flight accident and accidental death and dismemberment benefits.

• Trip cancellation with interruption: This reimburses you for insured travel expenses (such as hotels or prepaid excursions) if you have to cancel, interrupt, extend or modify your trip due to a covered reason either before your trip or after you have left home. This includes transportation expenses if you have to interrupt, modify or extend your trip, as well as a subsistence allowance for hotels and meals if your return home is delayed.
• Baggage: This provides compensation if your baggage is delayed, lost, stolen or damaged during your trip.
• Air flight accident: This offers coverage for the accidental loss of life or limb while travelling as a passenger on a plane, land or water conveyance, helicopter shuttle, or while waiting at the airport. This coverage also includes losses due to exposure after a forced landing.
• Accidental death or dismemberment: This coverage option offers reimbursement in the event you die, or lose the use of one or more limbs during a travel accident. The amount paid out depends on your age and the severity of the accident.

Deluxe Trip Protection: This package option includes trip interruption (that reimburses you for prepaid expenses if your trip gets unexpectedly interrupted once it’s begun), baggage, air flight accident and accidental death and dismemberment.

Basic Trip Protection: This package option includes baggage, air flight accident and accidental death and dismemberment.

Summary: Plan Comparison

We’ve highlighted the key benefits for each coverage option available for the single trip plan when travelling outside of Canada to help you identify your travel needs:

Emergency Medical Care Benefit:

Travel Benefits:

Trip Cancellation & Interruption Benefit:

Baggage Benefit:

Pacific Blue Cross Travel Insurance Cost

The price of a Pacific Blue Cross travel insurance plan depends on factors such as the cost of your trip, your age, your health and the amount of coverage you choose.

Here are some examples of the cost for Pacific Blue Cross single trip plans for healthy travellers based in B.C.:

In addition, when you purchase emergency travel insurance for one or two parents, each dependent child who is 21 years of age or younger will receive free emergency medical coverage up to the $10 million policy limit.

Comparing Pacific Blue Cross Travel Insurance With Other Insurers

CAA Travel

Emergency medical: $5 million Cancel For Any Reason: Yes, 50% to 75% Baggage insurance (maximum): $1,500

Related: CAA Travel Insurance Review

Blue Cross (Ontario)

Emergency medical: $5 million Cancel For Any Reason: No Baggage insurance (maximum): $1,500

Related: Blue Cross (Ontario) Travel Insurance Review

Manulife Financial

Emergency medical: $10 million Cancel For Any Reason: No Baggage insurance (maximum): $1,000

Related: Manulife Financial CoverMe Travel Insurance Review

Optional Add-Ons for Pacific Blue Cross Travel Insurance

Pacific Blue Cross offers an optional Pre-Existing Condition Benefit for travellers who also purchase the Emergency Medical Care Benefit. This benefit gives you up to $10 million in medical coverage following an emergency due to a pre-existing condition that would otherwise be excluded from coverage. This benefit does not cover any expenses if the medical condition showed symptoms in the seven days before your departure.

This benefit must be purchased within 15 days of buying the emergency medical benefit and before your departure date if the insurer decides a detailed medical review is required.

A medical questionnaire is an option for travellers over age 61 with pre-existing conditions. The insurer notes, “You are not obligated to complete the questionnaire, however doing so gives you a definite advantage. In 80% of cases, the questionnaires result in coverage that may not otherwise be granted.” Your doctor needs to complete the questionnaire and forward it to Pacific Blue Cross. There the medical director will review your answers and “if your pre-existing condition is stable and does not present an increased risk, it will be covered and you will be able to leave on your trip with true peace of mind.”

You are not eligible for this benefit if any of the following conditions apply:

• You have been advised by your physician not to travel.
• You have a medical condition in a terminal phase.
• You have kidney failure that is being treated by dialysis.
• You have a lung condition being treated with oxygen or cortisone therapy.
• You have cancer with metastasis.

Here are some examples of the cost of the Pre-Existing Benefit add-on:

Does Pacific Blue Cross Travel Insurance Offer Any Discounts?

Pacific Blue Cross offers a 10% or more discount off your travel insurance premium if you also have a Pacific Blue Cross Extended Health Care and/or Dental plan.

Does Pacific Blue Cross Travel Insurance Offer Annual Multi-Trip Plans?

Yes. You can buy multi-trip annual insurance if you travel more than once a year for multiple individual trips. Pacific Blue Cross offers emergency medical coverage and trip protection coverage for 15, 30, 60, 90, 120, 150 or 180 days per trip. If you plan a trip longer than your selected coverage, you can add extra days or top-up your coverage.

Here’s how the prices between single trip and multi-trip insurance compare using the example of the Emergency Medical Care benefit:

Pacific Blue Cross Travel Insurance 24/7 Travel Assistance

Medi-Assist Travel Assistance (provided through CanAssistance) is offered free of charge with all Pacific Blue Cross travel insurance products and toll-free assistance is available 24/7, 365 days of the year. Depending on the coverage provided by your insurance policy, emergency support includes:

• Referral to an appropriate clinic or hospital
• Advance of funds to the hospital, if necessary
• Confirmation of the medical insurance coverage to avoid paying a substantial deposit
• Following your medical file and communicating with your family physician
• Coordinating repatriation to your home province if medically necessary
• Coordinating the safe return of dependent children if you (the parent) are hospitalized
• Making arrangements for a bedside companion if you are hospitalized for at least seven days
• Coordinating the return of your vehicle if you are unable to return it due to a covered accident or illness
• Transmission of urgent messages to your family or business partner(s)
• Coordination of claims
• Interpreter services for emergency calls
• Referral to legal counsel in the event of a serious accident
• Settlement of formalities in the event of a death
• Assistance in the event of loss or theft of identification documents
• Information regarding embassies and consulates
• Pre-travel information regarding visas and vaccines

If you, or someone acting on your behalf, does not call Medi-Assist within 24 hours of an emergency and before seeking treatment, your claim could be denied.

When calling Medi-Assist, you’ll need your government health plan number and your Pacific Blue Cross Travel Certificate number.

Does Pacific Blue Cross Travel Insurance Have Cancel For Any Reason (CFAR)?

No.

Does Pacific Blue Cross Travel Insurance Have Interruption For Any Reason (IFAR)?

No.

Pacific Blue Cross Travel Insurance and Pre-Existing Medical Conditions

In general, Pacific Blue Cross will not pay medical expenses related to any medical condition that is not stable for a set period of time, either three or six months (depending on your age, coverage choices and medical conditions), before your coverage takes effect.

Pacific Blue Cross has a number of age- and condition-specific exclusions whereby medical expenses will not be paid, including:

For policyholders under age 61 or for policyholders age 61 to 75 travelling for 30 days or less with package insurance including trip cancellation and interruption:

• During the three months before the effective date, any illness, injury or condition for which the policyholder
  • Consulted a physician, other than for a regular checkup
  • Was hospitalized
  • Was prescribed or received a new treatment
  • Was prescribed or took a new medication
  • Received a change in existing medication, including dosage or usage (with some exceptions)
• Any heart condition that you’ve taken nitroglycerin more than once in a seven-day period for the relief of chest pain
• Any pulmonary condition that you’ve been treated with home oxygen or corticoid therapy

For policyholders between age 61 and 75 with individual or annual insurance, or for policyholders age 61 to 75 travelling for 30 days or less with package insurance not including trip cancellation and interruption, or policyholders age 61 to 75 covered by package insurance for 31 days or more, or policyholders age 76 and above:

• During the six months before the effective date, any illness, injury or condition related to one of the medical conditions listed below for which the policyholder
  • Consulted a physician, other than for a regular checkup
  • Was hospitalized
  • Was prescribed or received a new treatment
  • Was prescribed or took a new medication for cardiovascular conditions, chronic obstructive lung conditions, neurological conditions, insulin-dependent diabetes, kidney failure or transplantation, gastrointestinal conditions or cancer or malignant tumours
• During the six months before the effective date, any other illness, injury or condition for which the policyholder:
  • Consulted a physician, other than for a regular checkup
  • Was hospitalized
  • Was prescribed or received a new treatment
  • Was prescribed or took a new medication
  • Received a change in existing medication, including dosage or usage (with some exceptions)

Pacific Blue Cross Travel Insurance Exclusions

There are a number of scenarios not covered by travel insurance and it’s critical to know what not to do before you make a claim. In addition to exclusions related to pre-existing conditions, the following are some of the most common situations not covered by medical travel insurance:

• Any state or condition for which you ignored the symptoms, did not follow medical advice or the recommended investigations, treatments, tests or procedures
• Pregnancy, and complications arising from pregnancy in the last eight weeks before your expected due date
• Any accident sustained while participating in a sport for pay or a sporting event where money prizes are awarded to the winners, any kind of motor vehicle competition or speed event (with exceptions), any dangerous or violent sport including (but not limited to) off-track snow sports, show jumping obstacles, grade 4 or 5 rock or mountain climbing, parachuting, gliding or hang-gliding, bungee jumping, canyoning, and any sport or activity with a high level of stress and risk involved
• Abuse of medication, alcohol or drugs, or driving a vehicle while intoxicated
• Any trip undertaken to receive medication attention
• Suicide, attempted suicide or any self-inflicted injury
• War, invasion, enemy acts, hostility between nations, civil war, rebellion, revolution, insurrection, military power or usurped power, or confiscation, nationalization, requisition or destruction of or damages to belongings due to any government or local authority
• Perpetration or attempt to perpetrate a criminal act
• Any condition resulting from a mental, nervous, psychological or psychiatric problem unless you are hospitalized due to that reason
• Any claim while in a chronic care hospital or ward, nursing home or health spa
• Any care or treatment other than that required for stabilization of the emergency medical condition
• Custodial care (assistance with basic personal care activities, such as bathing, dressing, etc.)
• Care or treatment for cosmetic purposes
• Care or treatment not covered by your government health plan
• Care or treatment provided by a podiatrist, acupuncturist, homeopath or naturopath
• Certain products, even when obtained by a prescription, including infant formula, dietary or food supplements, antacids, digestives, laxatives, antidiarrheals, decongestants and any other cold/flu medications, and all dermatological products
• Any additional medical treatment if you continue your trip as planned after a medical emergency
• Any expenses for an infectious disease or illness for which there is a travel advisory or health warning, unless you have been fully vaccinated against the infectious disease or the condition occurs in a dependent child under the age of 18 (with exceptions)
• Any expenses incurred in a region where there is an active “avoid all travel” advisory in effect by the Government of Canada

There are additional exclusions if you purchase trip cancellation and interruption coverage, baggage and/or travel accident coverage.

Pacific Blue Cross Travel Insurance Eligibility

To be eligible for insurance with Pacific Blue Cross, the following must apply:

• You are a Canadian resident.
• You are covered under the government health plan of your province or territory for the entire duration of your trip.
• You have not been advised against travel by your physician.
• You have not been diagnosed with a terminal condition.
• You are not receiving palliative care or palliative care has not been recommended.

In addition, to purchase a Pacific Blue Cross travel plan, you must be a resident of B.C. or the Yukon.

How to File a Claim With Pacific Blue Cross Travel Insurance

You can file a claim online 24/7 by visiting the Pacific Blue Cross website where you can download your forms for emergency medical or trip cancellation and baggage claims. The website provides step-by-step instructions on what you need to do to submit a claim.

You will need to attach original receipts for the services or items rendered. The insurer notes that if the recipes or invoices are in another language, it’s your responsibility to translate these documents.

Pacific Blue Cross may request additional documentation, including:

• A medical certificate completed by a qualified physician providing a complete diagnosis
• Documentary evidence that a non-excluded event was the cause of your claim
• Original or electronic versions of unused transportation tickets, original invoices from the travel provider and/or official receipts for return transportation
• Receipts for land arrangements
• Proof showing the duration of a trip
• Proof of delay of checked baggage from the carrier along with receipts of purchases
• Proof of carrier delay, traffic accident or mechanical failure causing delay of return
• Death certificate
• List of lost or stolen baggage items

Pacific Blue Cross notes that digital signatures are not accepted and all completed claims forms must be mailed to the PBC Out Of Country Claims office or dropped off at the office in Burnaby, B.C.

Pacific Blue Cross will reimburse you for eligible expenses within 60 days of receiving all documentation to satisfy proof of claim.

Pacific Blue Cross Travel Insurance FAQs

Does Pacific Blue Cross pay for medical costs upfront?

According to the travel insurance policy, in the event of an emergency, Medi-Assist will “[refer you] to an appropriate clinic or hospital and advance funds to the hospital if necessary.”

Does Pacific Blue Cross offer coverage extensions?

Yes. Your coverage is automatically extended for 24 hours starting on the final day of your trip due to a transportation delay. If you are hospitalized, your coverage is extended for the period of hospitalization and the 24-hour period after discharge. If your return home is delayed due to a medical emergency that started within 24 hours before your scheduled return date and required emergency treatment, your coverage is automatically extended for up to 72 hours.

You can also request an extension if you want to stay longer on your trip, provided you apply before the expiry date of your policy, you are still eligible for insurance and your health has not changed since your departure. Your request may be denied if you have a claim in progress or the Canadian government has a new travel advisory in effect or recommends travellers return home.

Does Pacific Blue Cross require a medical questionnaire?

Pacific Blue Cross makes the distinction between a statement of health and a medical questionnaire. A medical questionnaire is optional for travellers 61 and older with pre-existing conditions that might not otherwise be covered. Your doctor can complete the questionnaire, forward it to Pacific Blue Cross and if the medical director decides your health is stable, your pre-existing condition will be covered.

The statement of health determines what will be covered, what will be excluded and your travel insurance premium, which is calculated according to the risks inherent with age, your health and the trip length.

Does Pacific Blue Cross have any age restrictions?

There are no noted age restrictions beyond the age-specific exclusions for pre-existing conditions.

When does my coverage with Pacific Blue Cross begin?

In general, if you purchase cancellation coverage, it begins the day you buy your policy and ends the day when you make a claim or leave on your trip. Your emergency medical coverage and interruption coverage, if purchased, begins when you leave home. Your delay coverage begins once an insured risk prevents you from returning home as scheduled.

Can I get a refund with Pacific Blue Cross?

You can request a cancellation and full refund of your contract before the effective date of the contract (or the date the coverage begins) or during the 10 days following the date of purchase, unless:

1. You have made or intend to make a claim.
2. The contract is for a period of 10 days or less.
3. The contract was purchased within 11 days before the trip and includes trip cancellation or interruption coverage.

If you return early from your trip and have not submitted or intend to submit a claim, or if no Medi-Assist case has been opened, you can request a partial refund of your premium. However, a refund of premium does not apply if:

1. You are covered for a trip cancellation benefit.
2. You are covered for an emergency return benefit.
3. You are covered under an annual insurance contract.
4. You are repatriated at the insurer’s expense.
5. Your refundable premium is less than $20 after application of the $25 administration fee.

Does Pacific Blue Cross offer a free look period?

The Pacific Blue Cross travel insurance policy does not explicitly reference a free look or right to examine period, except to note that a request for a refund must be received during the 10 days following the date of purchase (with some exceptions). However, under the Travel Health Insurance Association of Canada’s (THIA) Travel Insurance Bill of Rights and Responsibilities, travellers have the right to a no obligation purchase, whereby travel insurance providers will provide a minimum 10-day free review of the policy.

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What kind of health insurance do I need to travel to the Philippines?

Travel insurance with a minimum coverage of $35,000 used to be required for foreign nationals visiting the Philippines. However, in May 2022, the Consulate General of the Philippines in New York issued new guidance stating that travel insurance is encouraged but no longer required.

How much does private health insurance cost in the Philippines?

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Is travel insurance mandatory from Philippines to USA?

Unlike traveling to the Schengen area in Europe where it is required before you get a visa, insurance is not mandatory for US travel. If you are a Philippine passport holder traveling to USA on tourist visa, you are required to have a travel insurance policy with COVID-19 coverage.