Blue Cross Canada
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Blue Cross Canada, or The Canadian Association of Blue Cross Plans (CABCP) is comprised of 7 regional not-for-profit health and travel insurance providers, and offers group coverage plans for businesses and supplemental plans for individuals with needs not covered by private or Canadian universal health coverage.
| Founded | 1939 |
|---|---|
| Headquarters | Etobicoke, Ontario |
| Insurance Products | Health benefits, Dental benefits, Travel insurance, & Health insurance |
| Provinces Licensed | AB, BC, MB, NB, NL, NWT, NS, NU, ON, PEI, QC, SK, YT |
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Company Overview
Blue Cross Insurance offers group benefit plans that include benefit packages for life and accidental death coverage, drug and other health services needs and the establishment of group Health Spending Accounts.
The company also provides individual clients with personal health coverage and a wide range of travel insurance plans, ensuring that everyone in Ontario has access to risk coverage. This has made them a trusted name in the business, as has their commitment to working with the brokers that facilitate transactions between the company and their clients.
Canadians rely on Blue Cross for the following:
- Travel insurance plans with a wide variety of options for individuals
- Group plans for businesses and organizations that are simple to build as well as affordable
- Personal health insurance that allows clients to receive services not covered by the OHIP (Ontario’s public health care provider)
Advantages of Blue Cross Insurance
Blue Cross offers a range of plans for most budgets, making it an accessible company for a wide range of Canadians in Ontario. It also boasts a number of service that position the company as a customer-first insurance provider, like assistance service exclusives for members and a dedicated helpline for customer complaint mediation.
Backing up this mission is Blue Cross’s commitment to providing coverage to areas that clients may not get coverage through Ontario’s public health plans or a person’s insurance through their place of employment. The company’s stated mission is to provide customers the opportunity to get coverage for anything health-related. The advantages of using a plan from Blue Cross include:
- A huge list of available coverage options for travelers: Blue Cross aims to make any type of traveler able to travel with the peace of mind that comes with knowing they’re set if anything unpredictable crops up. This means that travelers can choose from a list that includes coverage for lost baggage, canceled flights and much more without spending too much on insurance.
- Customizable group and individual policy options: Group plans are not always as easy to build and provide risk protection for the services that the group actually needs as they are with Blue Cross Insurance. The pick-and-mix set-up of the company’s available group benefit packages are friendly to employers and employees alike. In addition, while many insurers focus on group insurance or individual coverage, Blue Cross does a great job offering benefits for both.
- The company’s personal insurance plans (travel and health) are budget-friendly: Blue Cross really takes the fact to heart that their personal insurance policies are often used to supplement other plans. They offer affordable choices as to the extent of the additional travel or health insurance coverage that a person wants, without making it cost-prohibitive.
Blue Cross Insurance Products
Blue Cross Insurance provides group plans for businesses, as well as travel and health insurance policies for individuals who need them. Coverage varies by province, so please refer to Blue Cross plans by region for detailed information.
Group Insurance Options
Blue Cross Insurance provide a wide range of ways to build a group plan that works for the members of a business or organization (i.e. “the group”).
Group Life
Master policies can include:
- Basic life insurance
- Dependent life insurance for families of the group member
- Coverage and financial protection for critical illness
- Coverage for accidental death and dismemberment
- Group disability
Group Health and Wellness
Group health is where Blue Cross Insurance shines, offering coverage in the following areas:
- Extended health care benefits specifically for group members with chronic illnesses
- inConfidence, a program that provides direct access to critical health counseling services 24/7 for employees and their families
- My Good Health, a digital portal for group members to compile and access their health information as well as that of their family members
- Second Opinion, a program where group members in need can have their cases reviewed by medical specialists in a given field
All this is in addition to the health coverage you’d expect out of a group health plan, as well as an extensive benefits package for prescription costs.
Travel Insurance
One area where Blue Cross Insurance proves to be unique is in its options for travelers:
- Snowbirds traveling only during winter
- A single trip
- Short-stay frequent travelers
- Visitors to Canada
- Families
- Extended-stay frequent travelers
- Students studying abroad
- Canadians traveling within Canadian territory
- Global Affairs Canada employees
With so many different types of travelers having plans targeted specifically at them, Blue Cross Insurance gives travelers a variety of options to find benefits that fit their needs. Travelers are insured for up to 5 million dollars with Blue Cross Travel Insurance.
Health Insurance
Because health insurance for an individual through Blue Cross is meant to target coverage options and populations not covered by standard plans—either through OHIP or through a separate group plan, the company focuses on the following:
- People who are Self-employed
- Small business employees
- People without access to group benefits
- Recent immigrants
- Students and recent graduates
- Retired or planning retirement
Government Plans
Blue Cross also advertises group plans tailored to the needs of government employees and the members of federal organization, as a federal partner since the company was founded in 1943.
Blue Cross Insurance by Province
- Pacific Blue Cross: Vancouver, British Columbia – 1 888-275-4672
- Alberta Blue Cross: Edmonton, Alberta – 1 800 661-6995
- Saskatchewan Blue Cross: Saskatoon, Saskatoon – 1 800 667-6853
- Manitoba Blue Cross: Winnipeg, Manitoba – Toll-free: 1 800 873-2583
- Ontario Blue Cross (Individual Coverage): Etobicoke, Ontario, 1 866 732-2583
- Medavie Blue Cross (Group Coverage – Ontario): Etobicoke, Ontario – 1 800 355-9133
- Quebec Blue Cross (Individual Coverage): Montreal, Quebec – 1 877 909-7686
- Medavie Blue Cross (Group Coverage – Quebec): Montreal, Quebec – 1 888 588-1212
- Medavie Blue Cross (Atlantic Canada): Moncton, New Brunswick – 1 800 667-4511
Blue Cross Insurance Reviews
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terrible service
Keith Wolfe on 2018-08-05 11:23:14This is the third time we have had issues getting reimbursed promptly. Twice they have lost the paperwork and than denied getting it even though we had a confirmation from our dentist. This las time we have been waiting 3 weeks for a simple reimbursement for glasses. When we called they said they were working on mid June billings this is now early August. We will be cancelling our policy very poor customer service.
Mitchell & Whale Team on 2018-12-12 22:18:04Would be nice if you could see the forms submitted online and check on the status. Sounds like the process needs improving to not suck.
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scam, fraud
HACHEM IBRAHIM on 2018-07-17 00:12:38My wife has a travel insurance and is taking medications in the hospital and will not be able to get back from her visit ontime, as per all the hospital reports, she has to be under monitoring and she had a kidney attack and her doctor strongly recommended that she needs more time to be recovered and she will not able to travel (travel duration is 20 hours). we submitted all the reports from the hospital and labs to the blue cross travel insurance and they have denied the claim knowing that we are not asking for medical benefits but only cancellation or delay the reservation. since many days I am discussing with them with no use. They sent me email only saying that their medical team found that she is fit to travel. she is now in the hospital and she is supposed to get back tomorrow and they say that she is fit. I asked them to send me documents on what basis they took their decision but they refused.
Someone tells me how a person in the hospital and he is fit to travel !!
I don't recommend them as honest travel insurance,
Mitchell & Whale Team on 2018-12-12 22:30:04Sorry to hear about this. Crappy experience.
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This seems like a really terrible situation. Wouldn't it be great to see a little accountability for the mistake that happened wherever it did? Did you find out what happened?