Frequently asked questions
Find answers to your frequently asked travel questions below. Plus, check out the informative travel videos for more information.
Exclusions and limitations
Can anyone age 59 and under qualify for an Alberta Blue Cross travel plan?
Alberta Blue Cross needs to determine everyone’s eligibility before they purchase travel coverage. Here are questions that determine eligibility:
- Is anyone travelling outside Alberta, with the intent or incidentally, to seek any medical advice, surgery, treatment or second opinion, even if the trip is on the recommendation of a physician or other medical professional?
- Has anyone booked travel or commenced travel contrary to medical advice or where their physician or other medical professional has advised them not to travel?
- Has anyone ever had two (2) or more major strokes where the strokes have resulted in symptoms that lasted for more than 24 hours?
- Does anyone have an implantable cardioverter-defibrillator (ICD)?
- Is anyone currently using home oxygen?
- Is anyone receiving kidney dialysis?
- Has anyone received a terminal prognosis?
- Has anyone been diagnosed with acquired immune deficiency syndrome (AIDS)?
If everyone travelling answered no to the eligibility questions, then the next decision you need to make is, which Alberta Blue Cross plan should I buy – Daily or Annual?
However, if anyone answered yes to any of the questions, Alberta Blue Cross will not be able to provide them with emergency medical travel coverage.
Travel coverage during pregnancy
If you’re expecting a child, you need to be aware of the exclusions and limitations of your travel policy. All insurers specify a period of time during which they will not provide travel coverage. Alberta Blue Cross’s pregnancy clause includes details stating that we will not cover pregnancy related claims that occur after the 32nd week of gestation or if your pregnancy was deemed to be high risk. Please watch the video for details and read your travel policy carefully to ensure that you receive the protection you require.
What is a pre-existing medical condition and how will it affect my travel coverage?
Our Daily and Annual plans for Albertans age 59 and under have a specific pre-existing medical condition exclusion. 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 (ninety) days prior to the departure date of travel. Our definition of a pre-existing medical condition is:
A medical condition which presented signs or symptoms or for which a covered person has received medical consultation, and/or which existed prior to the departure date of travel, whether or not the medical condition had been diagnosed by a physician. This definition includes a medically recognized complication or recurrence of a medical condition or related medical condition or a medical condition which occurred during the period of coverage.
What is the medical stability requirement for Alberta Blue Cross travel plans for age 59 and under?
It’s important to understand what is considered medically stable as your claim could be assessed based on pre-existing medical conditions and our stable definition. 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 (ninety) days prior to the departure date of travel.
Our definition of stable is any medical condition or related medical condition for which all the following statements are true:
- There has been no new diagnosis, treatment or evaluation of symptoms.
- There has been no change in diagnosis or treatment.
- There has been no newly prescribed medication or change in medication.
- There has been no new symptoms, no increase in the frequency or severity of the symptoms or no indication that the condition may be getting worse.
- There has been no new test results or test results showing a deterioration or pending test results (other than routine tests as part of regular follow-ups).
- There has been no investigations or future investigations initiated or recommended.
- There has been no hospitalization related to any medical condition.
- There has been no referral to a medical specialist or a specialty clinic (made or recommended) and no further investigations or results are pending.
Will I be covered if I am participating in sports?
Alberta Blue Cross individual 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.