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太平洋蓝十字(Pacific Blue Cross) · 旅行医疗

太平洋蓝十字 BC 居民出境旅行医疗险(单次、年度、套餐)

Pacific Blue Cross Travel Medical Insurance (Emergency Medical Care benefit; Individual / Annual / Package plans)

生效前稳定期(既往症回看期):60 岁及以下 3 个月,61 岁及以上 6 个月(FAQ 原文);条款里 61–75 岁买短期套餐含取消险的仍按 3 个月,其余 61 岁以上 6 个月

原文与来源
we will evaluate pre-existing conditions for people 60 years and younger based on their health within the previous 3 months prior to the day their coverage begins. For people age 61 and over, we evaluate based on their health within 6 months prior. Will travel insurance cover me if I am pregnant? Tr
查看官方文件 ↗核对:2026-10-03

保单版本:travelweb.pac.bluecross.ca 福利定义页(2026-10-03 取;页面声明「仅供参考,以购买时的保单为准」;完整保单 PDF 没有公开文件,未取到) · 核对日期:2026-10-03

适合谁先看

准备出境、需要核对旅行医疗保障的人。

有既往症要核对保障

有稳定条款:既往症满足稳定期可获全额保障;官网也提到可向保险公司询问「既往症附加保障」

原文与来源
Coverage for pre-existing conditions—As long as your pre-existing condition meets a minimum stability period you can receive full protection. Plan Highlights: Basic Plan Coverage Our base plan covers
查看官方文件 ↗核对:2026-10-03

能否投保还需逐项核对年龄、病史和行程。

不适合谁

具体不适用人群:官方未写/未核到。先核对年龄上限、既往症限制和除外责任。

条款全表

稳定期(按年龄)

生效前稳定期(既往症回看期):60 岁及以下 3 个月,61 岁及以上 6 个月(FAQ 原文);条款里 61–75 岁买短期套餐含取消险的仍按 3 个月,其余 61 岁以上 6 个月

原文与来源
we will evaluate pre-existing conditions for people 60 years and younger based on their health within the previous 3 months prior to the day their coverage begins. For people age 61 and over, we evaluate based on their health within 6 months prior. Will travel insurance cover me if I am pregnant? Tr
查看官方文件 ↗核对:2026-10-03

稳定既往症保障

有稳定条款:既往症满足稳定期可获全额保障;官网也提到可向保险公司询问「既往症附加保障」

原文与来源
Coverage for pre-existing conditions—As long as your pre-existing condition meets a minimum stability period you can receive full protection. Plan Highlights: Basic Plan Coverage Our base plan covers
查看官方文件 ↗核对:2026-10-03

稳定的定义

定义用「期间内看过医生(常规体检除外)、住院、开始或改变治疗、开始或改变药物」判断是否稳定;胰岛素、华法林例行调整,品牌药换仿制药等不算改变;用过硝酸甘油或家用氧、激素治疗的心肺病另列

原文与来源
During the 3 months prior to the Effective date of coverage: any illness, injury or condition (with exception of a minor ailment) related to a medical condition for which the Covered person: consulted a Physician (other than for a regular checkup); or was hospitalized; or was prescribed or received a new treatment; or received a change in an existing treatment; or was prescribe
查看官方文件 ↗核对:2026-10-03

不稳定既往症加保

官网 FAQ 提到可申请「既往症附加保障(pre-existing condition rider)」;条件与限额未核到

原文与来源
you may inquire about the pre-existing condition rider for additional assistance. This can be addressed by calling the Pacific Blue Cross Tr
查看官方文件 ↗核对:2026-10-03

健康问卷

61 岁以上不论单次、年度或套餐,申请时必须填健康问卷;保费按年龄、健康状况与行程长度定;稳定条款始终有效

原文与来源
For individuals over 61 years of age requiring medical travel coverage, whether it's a single, annual, or package plan, completing the medical questionnaire is a requirement. You are not required to consult with a physician unless you are unsure about your answers. If you have any pre-existing condi
查看官方文件 ↗核对:2026-10-03

出发前购买与生效条件

未核到出发后购买的规则

原文与来源
官方未写/未核到(英文摘录待补)
查看官方文件 ↗核对:2026-10-03

退费

出境险的退款条款未核到(已核到的那份退款申请表写的是访客险)

原文与来源
官方未写/未核到(英文摘录待补)
查看官方文件 ↗核对:2026-10-03

月付

未核到

原文与来源
官方未写/未核到(英文摘录待补)
查看官方文件 ↗核对:2026-10-03

临时返省及行程中断

未核到

原文与来源
官方未写/未核到(英文摘录待补)
查看官方文件 ↗核对:2026-10-03

医院直付

官网:所有计划都含直接付款,在可能的地方由蓝十字直接付给医疗提供者

原文与来源
Direct Pay—We will pay any providers directly where possible. Coverage for pre-existing conditions—A
查看官方文件 ↗核对:2026-10-03

紧急援助

全天候援助;须先联系 CanAssistance 取得批准,否则可能影响理赔

原文与来源
24/7 access to a team of professionals to connect you with local resources. Direct Pay—We will pay a
查看官方文件 ↗核对:2026-10-03

牙科

外伤导致健康天然牙受损最多 2,000 加元;其他牙科急诊最多 500 加元(不含根管)

原文与来源
The maximum refundable is $2,000 per Accident per Covered person, and up to $500 for any other emergency dental treatment, excluding root canal therapy. Go to top Transportation Expenses The following services must be approved and
查看官方文件 ↗核对:2026-10-03

旅行意外

意外身故伤残(航班意外等)是可选附加险,不在基础医疗里,未核条款

原文与来源
官方未写/未核到(英文摘录待补)
查看官方文件 ↗核对:2026-10-03

最低年龄

未核到最低投保年龄(官网写「任何年龄」可投保,儿童随父母免费)

原文与来源
官方未写/未核到(英文摘录待补)
查看官方文件 ↗核对:2026-10-03

最高年龄

官网写「任何年龄」都可投保;61 岁及以上可能要填健康声明

原文与来源
We provide travel coverage to people of any age. However, persons 61 and older may be required to complete a Health Declaration form as part of their application. If you're a visitor to Canada and want to apply for health coverage
查看官方文件 ↗核对:2026-10-03

年龄分段

既往症回看期按年龄与计划分档:60 岁及以下 3 个月;61–75 岁与 76 岁及以上多数计划 6 个月,且列明病种

原文与来源
For persons: under the age of 61 and covered by Individual, Package, Annual; or aged 61 to 75 and covered by Package Insurance for a period of 30 days or less and including the Trip Cancellation and Interruption benefit with an insured amount before departure: During the 3 months prior to the Effective date of coverage: any illn
查看官方文件 ↗核对:2026-10-03

保额选项(加元)

福利页只写总限额 1,000 万加元,没有档位

原文与来源
官方未写/未核到(英文摘录待补)
查看官方文件 ↗核对:2026-10-03

最高保额(加元)

紧急医疗最高 1,000 万加元(保单期内每位被保人)

原文与来源
subject to a maximum of $10,000,000 during the period of the Policy, and provided that these charges are not incurred before obtaining the approval of
查看官方文件 ↗核对:2026-10-03

自付额选项(加元)

福利页与官网页都没出现自付额条款,未核到

原文与来源
官方未写/未核到(英文摘录待补)
查看官方文件 ↗核对:2026-10-03

自付额计算方式

未核到

原文与来源
官方未写/未核到(英文摘录待补)
查看官方文件 ↗核对:2026-10-03

超级签证适用声明

不适用(出境险)

原文与来源
官方未写/未核到(英文摘录待补)
查看官方文件 ↗核对:2026-10-03

本条目最长行程/每趟上限(见原文)

官网只说年度计划选「平均每次出行天数」,可加天数或补充延期;档位未核到

原文与来源
官方未写/未核到(英文摘录待补)
查看官方文件 ↗核对:2026-10-03

最短保期

未核到

原文与来源
官方未写/未核到(英文摘录待补)
查看官方文件 ↗核对:2026-10-03

住院

私人或半私人病房,赔政府医保已付之外的差额;住院杂费最多 100 加元

原文与来源
The cost of Hospital services in a private or semi-private room, which is in excess of the amount refunded or refundable under government programs. Incidental expenses The expenses inherent to hospitalization (telephone, televisio
查看官方文件 ↗核对:2026-10-03

医生诊疗

赔医生收费与政府医保允许金额之间的差额

原文与来源
Physicians’ fees The difference between fees charged by a Physician and benefits allowed under government programs. Medical appliances The purchase or rental co
查看官方文件 ↗核对:2026-10-03

检查

医生开具的化验与 X 光

原文与来源
Diagnostic services The charges for laboratory tests and x-rays when prescribed by the attending Physician. Drugs (when required as part of emergency treatment)
查看官方文件 ↗核对:2026-10-03

处方药

需处方的药,但持续稳定慢性病用药除外

原文与来源
Drugs (when required as part of emergency treatment) The cost of drugs requiring a Physician’s prescription, except when they are required for the continued stabilization of a chronic medical condition. Emergency Dental care The f
查看官方文件 ↗核对:2026-10-03

救护车

当地救护车或空中救护,含医院间转运(须 CanAssistance 与医生判定当地设施不足)

原文与来源
Ambulance or taxi service The cost of local ambulance or air ambulance service to the nearest Hospital or accredited medical facility, including inter-Hospital transfer when the attending Physician and CanAssistance determine that
查看官方文件 ↗核对:2026-10-03

医疗转运

经医生与 CanAssistance 批准,赔送回居住省治疗的交通;另可送回车辆、行李、宠物

原文与来源
Repatriation to the province of residence The cost of repatriation of the Covered person to his Province of residence by means of appropriate transportation in order to receive immediate medical attention following the authorization of the attending Physician and CanAssistance. T
查看官方文件 ↗核对:2026-10-03

遗体送返

身故赔遗体整理与运送回居住省

原文与来源
Return of the deceased The cost of preparation and transportation of the deceased person (excluding the cost of a coffin) to the departure point in the Province
查看官方文件 ↗核对:2026-10-03

火化及安葬

遗体运送、或异地火化或安葬,合计最高 1 万加元

原文与来源
of the deceased person (excluding the cost of a coffin) to the departure point in the Province of residence or the cost of cremation or burial at the place of death, subject to a total reimbursement of $10,000. Go to top Subsistence Allowance Up to $3,000 (maximum $30
查看官方文件 ↗核对:2026-10-03

家人交通

住院时赔一位亲友往返经济舱,其食宿每天最多 300 加元、共 1,200 加元(官网写法)

原文与来源
We will cover the cost of round trip, economy class transportation for a family member or friend to visit a sick or injured person in hospital. We also cover the expenses of this visitor while he/she is staying close by up to $300 per day to a maximum of $1,200. Subsistence allowance:   We will reimburse you up to $300/day to a maximum of $3000 for accommodation, meals, essential ph
查看官方文件 ↗核对:2026-10-03

食宿

因病伤延误返程:住宿、餐食、必要电话与出租车每天最多 300 加元、共 3,000 加元

原文与来源
We will reimburse you up to $300/day to a maximum of $3000 for accommodation, meals, essential phone calls and transportation by taxi if your return is delayed due to illness or injury. *Requires the authorization of the attending
查看官方文件 ↗核对:2026-10-03

儿童照护

托管费计入每日 300 加元的住宿餐食等限额(亲友探视项下的原文)

原文与来源
$1,200 for: the cost of accommodation, the cost of meals in a commercial establishment, and the cost of child care services, total up to a daily maximum of $300: the cost of travel insurance. The total cost of round-trip, economy class tra
查看官方文件 ↗核对:2026-10-03

妊娠除外

预产期前 8 周内的妊娠及并发症不保(FAQ 另说保险常对孕期设限)

原文与来源
Pregnancy and complications arising from the pregnancy within 8 weeks preceding the expected date of delivery. Accident sustained by the Covered person while pa
查看官方文件 ↗核对:2026-10-03

高风险运动

为报酬或奖金的体育活动、机动车比赛或竞速、危险或暴力运动(越野雪地运动、攀岩、登山 YDS 4–5 级、跳伞、滑翔、蹦极、峡谷探险等)不保

原文与来源
Accident sustained by the Covered person while participating in a sport for remuneration or to a sporting event where money prizes are awarded to the winners, any kind of motor vehicle competition or any kind of speeding event, to a dangerous or violent sport such as but not limited to: off-track snow sports, show jumping obstacles, rock climbing or mountain climbing (grade 4 or 5 routes
查看官方文件 ↗核对:2026-10-03

精神健康

精神、神经、心理或精神科问题引起的情况不保,除非因此住院

原文与来源
Any condition resulting from a mental, nervous, psychological or psychiatric problem, unless the Covered person is hospitalized for that specific reason. Any claim for patients in chronic care Hospita
查看官方文件 ↗核对:2026-10-03

机动车

机动车比赛或竞速活动不保;药物或酒精(≥80 毫克/100 毫升)影响下驾车相关不保

原文与来源
prizes are awarded to the winners, any kind of motor vehicle competition or any kind of speeding event, to a dangerous or violent sport such as but not lim
查看官方文件 ↗核对:2026-10-03

酒精

滥用药物或酒精、使用药物及相关成瘾引起的情况不保

原文与来源
Abuse of medication or alcohol, or use of drugs, use of experimental drugs or products or any other drug addiction, and any condition arising therefrom, or driving a motor vehicle while ability to dri
查看官方文件 ↗核对:2026-10-03

旅行警告

出发前加拿大外交部或加拿大卫生部已发布并经媒体公开的旅行警示或健康警告所涉的疾病,不保

原文与来源
from an infectious disease or Illness for which there is a travel advisory or health warning by the Canadian Department of Foreign Affairs and International Trade, or Health Canada and published or broadcast in the media prior to the Covered person’s scheduled departure date from Canada. For your information For the latest healt
查看官方文件 ↗核对:2026-10-03

持续治疗

慢性病护理医院或病区、养老院、保养中心的就医,生活照料、整形、本可在居住省获得的治疗不保;专程出境看病不保

原文与来源
Any claim for patients in chronic care Hospitals or in chronic care units of public Hospitals, or in nursing homes or health spas. Any care, treatment, products or services other than those declared by the appropriate authorities
查看官方文件 ↗核对:2026-10-03

续保与延期

FAQ 只说可加天数或补充延期;规则未核到

原文与来源
官方未写/未核到(英文摘录待补)
查看官方文件 ↗核对:2026-10-03

共付比例

未核到

原文与来源
官方未写/未核到(英文摘录待补)
查看官方文件 ↗核对:2026-10-03

传染病

官网挂着 2020 年起的新冠提示:出发日在 2020-03-13 之后的,新冠相关疾病除非已接种否则不保;这条提示页面是否仍现行未核到,购买前须向蓝十字确认

原文与来源
Coronavirus (COVID-19) related illness will not be covered unless you are fully vaccinated. You can learn more about how Government travel advisories impact coverage in our Travel Insurance FAQs . Tri
查看官方文件 ↗核对:2026-10-03

新冠条款

官方未写/未核到

原文与来源
官方未写/未核到(英文摘录待补)

官方未写/未核到(来源待补)

核对:官方未写/未核到

年度多次与附加计划

有年度计划(Annual):一年内多次出行,覆盖境外与省外

原文与来源
With one purchase our Annual plans cover all of your travels for an entire year in the most cost-effective way. So, whether you are visiting family in another province, heading out on an international
查看官方文件 ↗核对:2026-10-03

年度每趟天数档

官网只说选平均每次出行天数;具体档位在报价里,未核到

原文与来源
官方未写/未核到(英文摘录待补)
查看官方文件 ↗核对:2026-10-03

省医保(MSP)要求

申请时与整个保障期,所有被保人须被省医保覆盖;FAQ 写明须有有效的 Care Card 号(买时可不填,理赔时可能要求)

原文与来源
At the time of application and during the whole Period of coverage, all Covered persons must be covered under the Government health plan of their province/territory of residence. Conditions particular to this benefit The following
查看官方文件 ↗核对:2026-10-03

补充延期(Top-up)

蓝十字也卖补充延期(top-up):只保补充的那段,不保行程前半;须自己确认前半段有保险,且买补充延期不会让原保险失效

原文与来源
Top-up insurance provided by Pacific Blue Cross may differ from the insurance that covers the initial part of the trip because of the terms, conditions and exclusions contained in the Policy. Pacific Blue Cross top-up insurance will not cover any claim that occurs during the initial part of the trip. It is your responsibility to verify that the initial part of your trip is covered by ano
查看官方文件 ↗核对:2026-10-03

美国与目的地范围

官网只写「BC 居民出省或出国」,未区分是否含美国,未核到

原文与来源
官方未写/未核到(英文摘录待补)
查看官方文件 ↗核对:2026-10-03

报价样本

样本只对应列出的条件;投保时以对应日期、年龄和方案重新报价。

暂无可核对的报价样本。保费未核到,暂不估算。