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Frequently asked questions

Exclusions and limitations

Alberta Blue Cross needs to determine everyone’s eligibility before they purchase travel coverage. If you are unsure, please contact our Travel Specialists directly at 780-498-8550 or toll free at 1-800-394-1965 during our business hours (Mon-Fri 8:30 a.m. to 5 p.m. MT).

Our travel plans have specific pre-existing medical condition exclusions. This means that benefits will not be paid if the claim is related to any pre-existing medical condition that was not stable at any time within 90 days prior to the departure date of travel.

Benefits will not be paid if the claim is related to any pre-existing medical condition that was NOT stable at any time within 90 days prior to the departure date of travel.

Our definition of stable means that you have not had any of the following:

  • a new prescription drug or a change in medication;
  • a new medical treatment;
  • a new diagnosis, medical treatment or evaluation of symptoms;
  • a change in diagnosis or medical treatment;
  • a medical consultation to investigate symptoms that remain undiagnosed;
  • hospitalization related to any medical condition;
  • a referral to a medical specialist or a specialty clinic (made or recommended) where there are no further investigations or results pending;
  • in-hospital care or a referral to a specialist, including initial follow-up visits, tests or investigations related to the medical condition and pending results;
  • experienced a deterioration in your medical condition;
  • experienced new, more frequent or more severe symptoms;
  • new test results or test results show a deterioration or pending test results (other than routine tests as part of regular follow-ups); or
  • investigations or future investigations initiated or recommended.

Alberta Blue Cross travel plans will not pay any benefit or accept any liability for claims relating to training, practicing or participating in any competitive or non-competitive activities that involve any motor sport, motorized speed contest, rodeo activity or extreme sport (including, but not limited to, bungee jumping, hang gliding, parachuting, para-sailing, mountain climbing, rock climbing, skydiving, scuba diving as a professional or without certification).

If this applies to you, please review the definition of extreme sport in your contract.