Manitoba Blue Cross Emergency Medical

Effective January 1 2021

Plan Highlights

  • Applicants aged 54 years and under do not a pre-exisitng medical condition stability clause

  • All Manitobans are eligible to purchase regardless of health as long as you have Valid Manitoba Health coverage

  • Diabetes treated with Oral medication or treated with Diet/exercise is not rate

Policy Documents

Policy Wording



Factor Details
Plans Available:
  • Multi Trip Annual Plan – 32 days Up to Age 74
  • Single Trip Coverage
    • Blue Plan (Under Age 55) – 183 days
    • Gold Plan (Age 55 to 74) – 183 days
    • Silver Plan (Age 55 & Over) – 62 days
Age Restrictions:
  • No Age Restrictions
Changes Prior to Effected Date:
  • Dates can be changed up until Effective Date
  • Policies can be cancelled up until Effective Date
  • No change or cancellation fees
Refunds for Returning Early:
  • Subject to no claims being made against your policy
  • Must supply MQIB with Proof of Return
Extensions after effective date:
  • Subject answering no the 3 questions below
    • Have you had any claims, or do you plan to submit a claim against your policy?
    • Have you had any changes to your health or medication since departing?
    • Have any Pre-Existing Medical Conditions NOT remained stable?
  • Minimum amount of $12 per Policy



For a Full List of Benefits Click Here

Benefit Details
Overall Maximum:
  • Up to $5 Million
Emergency Medical Coverage:
  • For accidents, injury or sickness – coverage Includes ambulance transportation, hospital accommodation and care, diagnostic testing, physician and nursing services, surgery, medical supplies, equipment and medication
Pre-Existing Medical Conditions:
  • Covered if your condition meets the “stable and controlled” requirements of the plan you qualify under for all of those benefits
Emergency Return Home:
  • If your treating physician(s) insurance company’s medical advisor(s) recommends that you return home because/after of your emergency
Repatriation of Remains:
  • $7,500 to have the remains returned if you should pass away while you are away.
Return of Companion:
  • If your are returned via emergency return home or repatriation benefit , we will return your travel companion if they are insured under the same company
Accidental Dental Coverage:
  • $3,000 if you suffer an accidental blow to the mouth
  • $300 if you require relief of dental pain
Pet Return:
  • Up to $500 for return of Cat and Dog.
Vehicle Return:
  • Up to $4,000 charged by a commercial agency to bring your vehicle home.
Meals, Hotel and Taxi:
  • If an Emergency prevents you from returning as planned the insurance company will pay ufor extra meals hotel and taxi fares
Hospital Allowance:
  • Up to $40 per day up to $1000 for Telephone, TV Rental and Parking
Automatic Extension:
  • Up to 72 hours for Delay of Conveyance beyond your control
  • If you are hospitalized
  • Up to 72 Hours after that Medical Emergency that prevents you from departing on schedule
Please Note:
  • All benefits must be pre-approved by the insurance company by calling the phone number provided on the confirmation of insurance/Wallet Card provided upon the purchase of the policy.
  • In an emergency and prior to seeking medical assistance it is extremely important that you call the insurance company assistance centre phone number located on your wallet card before seeking treatment, or as soon as you are physically able.


Policy Wording

  • The Policy Wording has a full explanation of the benefits available and the exclusions as they apply to all travelers.
  • We strongly recommend you take the time to read through it and let us know if you have any questions or concerns.
  • The policy wording for this plan can be found under the policy documents section near the top of the page as well as the links below. We have linked each section to the specific page the the section starts on to make it easier for you.
  • Eligibility – Starts on page 13- Click Here
  • Types of Plans Offered – Starts on page 19 – Click Here
  • Beginning and End of Coverage – Starts on page 19 – Click Here
  • Extensions – Starts on page 18 – Click Here
  • Cancellation and Refunds – Starts on page 22 – Click Here
  • Benefits – Starts on page 5 – Click Here
  • Exclusions and Limitation – Starts on page 11 – Click Here
  • Coordination with Other Insurance – Starts on page 16 – Click Here
  • Claim information – Starts on page 15- Click Here
  • Terms and Conditionss – Starts on page 15 – Click Here
  • Definitions – Starts on page 22 – Click Here
  • Privacy – Starts on page 22 – Click Here


Underwritten by Manitoba Blue Cross

Premium in Canadian Dollars

Read your policy and know what you have purchased before you depart on your trip.

This page contains only a consolidated and summary description of all current benefits, conditions, limitations and exclusions. A Policy Document containing the complete Policy Wording with all terms, conditions and exclusions will be included in the fulfillment kit.

Your Best Insurance Plan Starts with Medi-Quote

We’re insurance brokers, which means we’ll shop around on your behalf to find the right plan for your specific needs at the best possible price. We aren’t tied to specific products or motivated by sales incentives, so it’s in your best interests we serve. We’re available to you anytime if you have questions or need assistance making a claim.