In the event of an accident or unexpected illness occurring outside province of residence, reasonable and customary charges will be paid for the following expenses at 100% up to 65 days per trip with a lifetime maximum of $5,000,000. The rate of exchange in Canadian currency will be determined at the date of service.
Top-up travel insurance may be purchased; interested travelers should contact Saskatchewan Blue Cross directly.
- In-Patient Hospital Charges up to the cost of semi-private accommodation.
- Physicians’ Charges
- Prescription Drugs
- Diagnostic Procedures
- Private Duty Nursing up to $5,000 per calendar year.
- Paramedical Services of a licensed physiotherapist, chiropractor or chiropodist/podiatrist to an annual maximum of $300 per specialty.
- Rental of a Wheelchair, Crutches and Canes when ordered by a physician.
- Medical Transportation
- Licensed ground or air ambulance for emergency transportation to the nearest medical facility, limit of one return trip per calendar year.
- If medically necessary, round-trip economy transportation will be arranged and paid for a qualified medical attendant to accompany the patient.
- Subject to medical advice to the contrary, evacuation of the patient to a hospital in their province of residence, where pre-authorized by Saskatchewan Blue Cross.
- Accidental Dental emergency treatment when natural teeth have been injured or artificial teeth have been damaged by a direct, accidental blow to the mouth, or a fractured or dislocated jaw that requires setting, up to an annual maximum of $1,000.
- Transportation to bedside for one member of your family to be with an insured person who has been confined to a hospital for at least seven days, or to identify the deceased prior to release of the body. (limited to one round trip economy airfare).
- Trip Interruption/Delay if your trip is interrupted or delayed due to your or your travel companion’s hospitalization outside your province of residence (one way economy fare or the excess cost over and above any prepaid travel plan).
- Return of Dependent Children by the most direct route to their place of residence, if dependent children are left unattended while travelling when you are hospitalized (one
way economy transportation or the excess cost of pre-paid travel arrangements).
- Vehicle Return up to $2,000 for private or rental, by commercial agency to your residence or nearest vehicle rental agency when you are unable due to illness or accident.
- Repatriation up to $5,000 of expenses to return the deceased to the home province.
- Additional Expenses for the cost of meals and hotel accommodation due to any covered person’s hospitalization, up to a daily maximum of $150 up to 10 days.
- World Travel Assistance For emergency medical situations requiring hospitalization, your Travel Assistance Centre must be contacted (numbers listed on your Blue Cross ID card). Failure to call your Travel Assistance Centre may invalidate your claim. The following services are provided by your Travel Assistance Centre:
- 24 hour telephone services around the world in any language.
- Confirming coverage and payment to a doctor and/or hospital.
- Arrangement for medical evaluation by a qualified physician and then referral to a medical facility equipped to provide treatment.
- Transfer of patient to another medical facility if required.
- Assistance in contacting the family.
- Referral to a local legal advisor and/or assistance in arranging for advances for your personal credit card and/or arranging for family/friends to post bail and pay legal fees.
- Assistance in the replacement of necessary travel documents and/or tickets, in the event of theft or loss (the cost of obtaining replacement documents is your responsibility).
Travel Exclusions and Limitations
Travel Benefits will not be payable for charges in connection with the following:
- A pre-existing condition, illness or injury for which symptoms occurred and/or required medical investigation, diagnosis, treatment or hospitalization within three months immediately preceding departure date. Routine check-ups with no change in medication or treatment are not considered medical investigation, diagnosis or treatment.
- Residents traveling outside their province of residence against their physician’s advice.
- Referral or elective (non-emergency) treatment.
- Services not required for the immediate relief of acute pain or suffering which reasonably could have been delayed until returning to your province of residence.
- Benefits payable by your provincial health plan or any other government agency.
- Confinement due to childbirth and delivery if any portion of travel falls after the 32nd week of gestation.
- Expenses incurred as the result of participation in professional sports or hazardous avocations (i.e. bungee jumping, parachuting, a flight accident unless riding as a fare paying passenger on a commercial airline/charter or aircraft with a seating capacity of six people or more).
- Participation in criminal acts, war, or other hostilities.
- Services as the result of substance abuse.
- Expenses as a result of suicide or attempted suicide.
If you are uncertain about your coverage, please contact Saskatchewan Blue Cross prior to travel.