Blue Cross Travel Insurance Reviews

I now owe SG$62,500 (US$49,000) to a Singapore hospital that saved my life because Blue Cross Asia Pacific refuse to pay. I was insured with them when I had a heart attack on a long haul flight.

I have a history of asthma, which I accept as a pre-existing condition and would not expect to claim for. But in January 2023 my breathing difficulties got worse (though it was not unmanageable, I could do things as normal) and I consulted at least 4 different doctors during the next 8 months. All either diagnosed worsening asthma or something else, but none suspected heart trouble. I booked a flight in June 2023 for a flight that October and took out Blue Cross insurance soon after. By September (after I had taken out the policy) I was finally diagnosed with a very weak heart. I was given medication and told I would be okay and cleared by 2 doctors to fly as planned. I felt reassured and thought all would be well.

But I had a heart attack on my flight to Hong Kong, transit through Singapore. I was taken to hospital in Singapore, and they saved my life. While I recovered, my family helped me claim the hospital bill from Blue Cross. But they denied my claim, saying “unknown pre-existing conditions”. I have taken it further through a second claim, a lawyer's letter and a complaints' bureau but still cannot get this payment.

Apparently I should have known my breathing problem was heart and not asthma even though 4 doctors failed to diagnose it. I did everything that could reasonably be expected of me by seeing different doctors and when the heart was finally diagnosed (after the policy was taken out) I only flew because I was ok’d by doctors to do so, my problem was thought to be under control and no-one expected I would have a heart attack. But it seems Blue Cross can use pre-exiting conditions to get out of paying, and there is no discretion that I am not at fault. I don’t see what I could have done differently, other than I should not have bought my travel insurance from the company that sold the cheapest premium. This is my experience with Blue Cross!

I made a claim and blue cross wouldn’t pay. They said there was an advisory when I bought the insurance. How would I know that? They should have told me. They sold me something I could not use. Other insurances paid other people in my group. Go with a real travel insurance company, not a health insurance company for travel insurance. Shame!!!

Avoid if you don’t want your family be left in distress. I purchased travel insurance for a newborn 15 days past our travel day because we had some coverage that comes with a regular travel Visa card that every Canadian has. This somehow rendered our policy with blue cross void (!) since they treated it as “extension” of existing “policy”. Does it make sense? Please avoid this organization. Just go with reputable company or you may find yourself in a dire situation.

These guys ripped me off! Long story short is by the Canadian laws, if you had travel insurance then you've got provincial insurance covering you, these insurance companies must refund you the rest of the time you have bought from them! I was literally broken then, and finally had our OHIP but these guys refused to refund us even though I extended our insurance with them 1 or 2 weeks before that! Their claim for not refunding us was that we made a claim one time for my daughter when she got sick and took her to the emergency! However, that was in the old contract, not the new one! So when I spoke to a manager on the phone and explained to her that I just extended my insurance to technically it's a new one, she replied that 'you're right, but this is a trick in our policy and I can't help you!' Well, the amount that they were supposed to refund me was about $300. It's not much! But back then, I was literally broken! I used to work 14 hours a day at two jobs to feed my daughter and wife and that $300 made lots of difference to me! Anyway, I'm happy to say that I know more than 25 people from family and friends who came to Canada for long and short visits and the first thing I'd advise them not to do is getting their insurance from the Blue Cross! It'll always be one of the first things I'd tell anyone coming to Canada not to get their insurance from this company!

Blue Cross Insurance is the worst insurance company. Their Individual and travel Plan is a scam, a rip-off. This company collects money only and rejected all my claims, so after three months I cancelled my individual Health Insurance with them and lost three months’ pay. I am happy am out because it was so frustrating with Blue Cross.

Worst ever! I spent 350$ on insurance I went for a trip in Canada. I had a problem with my eye, went to the specialist and pay the fee. After, I call blue cross and they see that it does not cover because I didn't call them... Anyway, I've got a full refund because I cancelled the insurance! NEVER Again Blue Cross!!!

I had a fishing boat accident in British Columbia on vacation. My husband fell on my foot reeling in a 60lb halibut. Broke my ankle and had surgery to reattach the bone with two pins. I had purchased Travel Medical Insurance. Blue Cross denied coverage (even with a doctor's prescription) and a transport chair which was needed because the injury was non-weight bearing for eight weeks. Thank goodness I did not fly home. They don't answer their phone, put you on hold forever and don't return your calls. I gave up waiting for them to arrange a flight, so we drove home for seven days to Ontario. Total waste of money purchasing this coverage and the most frustrating experience of my life at a time when I really needed help. Don't be fooled thinking you have coverage through Blue Cross, there is an inter-provincially agreement in Canada that covers most medical and hospital costs anyway if you have OHIP coverage in Ontario. So don't bother depending on them for anything extra because they will find some excuse to deny your claim.

Blue cross is the worst customer experience I have ever had because they are a complete money grab. They make you pay for all of your expenses abroad out of your own pocket, and do not clarify what is under insurance and what is not. "Sudden and unexpected medical conditions" seems great because one would assume that most medical conditions are unexpected and sudden, however, Blue Cross means it so steal your money because to them everything is expected and nothing is sudden! I will never let me, my family or my friends do business with them ever again, you are better off just paying out of your own pocket!