Blue Cross Travel Insurance Reviews

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!

I had 2 claims returned for ambulance bill for a reasons not specified in the policy and only to create more inconvenience and headaches. The first claim was returned because the statement from the hospital was not enough and needed a receipt.The second claim was declined because the receipt from the hospital for ambulance service does not specify origin and destination for the trip like i am going on a vacation. This is the very same receipt the hospital issues to all patients and it is a standard Ontario flat fee for ambulance service, regardless of the origin and destination.
The only reason i am with that insurer is because is a group insurance from the employer. Worst ever customer service!