Blue Cross Insurance Review (April, 2024) – Pros, Cons, Features, Pricing

This Blue Cross insurance review is about what this Canadian insurer can offer residents. Life is full of uncertainties. Therefore, you need a reliable insurer to help you when the chips are down.

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Last Updated: Apr 13, 2024

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Blue Cross Insurance is one of Canada’s top insurance firms and has been around for more than 75 years. This insurer provides an array of products, which include life insurance, health insurance, and Blue Cross travel insurance.

This is a firm that protects more than 8 million Canadians under its various plans. Blue Cross offers innovative insurance solutions in all Canadian provinces.

In this review of Blue Cross insurance, we will discuss why using it is a wise decision. We’ll also cover the insurance company’s benefits and drawbacks, the products they offer, and the quality of their customer service.

Then, we’ll suggest some alternatives to Blue Cross insurance so you can weigh your options.

What makes Blue Cross Insurance a good option?

This Blue Cross insurance review section will deal with the features that make it an ideal option. Some features make it an excellent choice:

Easy customization for life policy

Blue Cross life insurance policies can be customized. This means their customers can choose the term length, riders, and coverage amount that fits their needs.

The Blue Cross Canada insurer understands that people are different and everyone’s desires are unique. The flexibility of their life policy has made them appealing to many residents.

An array of health programs

Blue Cross offers policyholders various wellness programs to help their well-being. This insurer is ideal if you are concerned about your health and want an insurer with your back. Some of these programs include:

  • Virtual Care
  • Mental health support
  • Wellness Coaching

Blue Cross Insurance invests heavily in the personal health of its customers. It is committed to providing top insurance coverage for all Canadians.

Budget-friendly

Canadians who are thin on finances and want an affordable insurance company will find Blue Cross appealing. Customers can choose from many affordable plans without breaking the bank.

Trusted and credible

Another reason why Blue Cross insurance is an ideal option is that it is fully licensed to operate in Canada.

There’s also no record of them defaulting on any policy, and they have built a plan based on credibility. Yearly, they submit reviews that show they meet the standards of millions of their members in the country.

Specialize in healthcare insurance

Also, they know their onions when it comes to wellness and health care in Canada.

Since health is wealth, everyone who wants a stress-free health plan for themselves and their family will choose Blue Cross. Blue Cross is an industry professional in health care, and they have a perfect understanding of the health care insurance services that members need.

Pros and cons of Blue Cross Insurance

This Blue Cross Insurance review section will examine the benefits and drawbacks of taking a policy with this company. Blue Cross insurance has come a long way, offering help to millions of Canadians.

Pros of Blue Cross Insurance

An array of coverage services for travellers

Blue Cross wants to make travellers’ lives easy and comfortable. The Blue Cross travel insurance policy gives travellers peace of mind in case of any eventuality.

Travellers can choose from an array of policies that cover cancelled flights and lost baggage, among others. This policy is flexible and doesn’t require much spending, unlike others.

Large network of providers

Blue Cross Insurance has an array of networks across Canada. You can find them in provinces such as:

  • Alberta
  • Nova Scotia
  • New Brunswick
  • Manitoba
  • Ontario
  • Yukon
  • Quebec
  • Saskatchewan
  • British Columbia
  • Prince Edward Island

You can also find them in the Northwest Territories, as they aim to cover all Canadian regions. The comprehensive coverage they provide makes them one of the best insurance firms to have a policy within Canada.

Strong reputation

Blue Cross Insurance was founded in 1934, and they have built a strong reputation over the years. They are very reliable and always pay when you are in need.

Blue Cross’ credibility has been tested over the years, and they have passed with flying colours. If you want a trustworthy insurance firm in Canada, look no further than Blue Cross.

Innovative services

Blue Cross is renowned for offering Canadians seamless, innovative health, life, and travel solutions. They have integrated technology into their services, making it easy for policyholders to access their products from their homes.

Social benefits

Aside from offering top-notch insurance services, Blue Cross is known for various charitable causes that they provide to residents and communities. They support community initiatives that will help all Canadians.

Excellent customer support

The Blue Cross insurance firm has highly reliable and competent customer support staff. When you have problems getting a plan or with a policy redemption, talk to them online or call them.

Smooth UI/UX interface

When you visit the Blue Cross website, it is sleek and simple to use. You can check all sections easily and without problems, even for new users. The load time of each page is fine, and it’s a very secure platform.

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Cons of Blue Cross Insurance

Limited plan coverage

While the services of Blue Cross are available in 90% of Canadian territory, the plans are limited. Some of their health and travel insurance policies have exclusions.

Health insurance doesn’t cover all treatments and hospitals. Also, their travel insurance doesn’t work with a few airlines, which might not go down well with all customers.

Administrative problems

Some of the registered customers find some of the Blue Cross administrative framework challenging. Submitting claims has been problematic for some customers, which is very unfortunate.

Limited flexibility

Blue Cross insurance plans don’t have much flexibility like other insurers. There are abridged insurance plans that are tailored to meet individual needs.

Blue Cross Insurance products and services

In this Blue Cross insurance review section, we will discuss the services and products offered by this top Canadian insurance company. Blue Cross Insurance provides an array of insurance policies and services.

These services are meant to meet the medical needs of all Canadians. Here are the services offered by Blue Cross Insurance in Canada:

Health insurance

Blue Cross Insurance allows people to enjoy benefits for their wellness and health. Depending on your province, there are several health plans for everyone, including dental, vision, and clinics.

When it comes to health plans offered by Blue Insurance, they can be personalized or group plans. Blue Cross health plans cover:

  • Prescription
  • Dental
  • Massage
  • Wellness
  • Hospital
  • Disability
  • Visual Care

Personal health plans are for self-employed, working-class, or retired Canadian residents who want to protect themselves against future medical expenses. Under the Canadian Income Tax Act, premiums for your health can be eligible for health expenses.

Moreover, you could also get a group insurance plan for your family, friends, or colleagues. The Blue Cross group insurance plan for health also covers small businesses in Canada.

Travel insurance

Out-of-province emergency fees do not cover your medical plan and expenses. This implies that you must pay for any medical costs incurred once you travel out of your province.

That’s where a comprehensive Blue Cross travel insurance review helps millions of Canadians.

When on holidays or vacations, it’s ideal to always have a travel plan that covers you when on the move. As a recognized healthcare insurance firm globally, taking out a travel plan with Blue Cross comes in handy when you move out of your province.

Life insurance

One of the primary services offered by Blue Cross is the Life Plan. Getting a life insurance plan is a way to comfort yourself and your family. Since life can be unpredictable, it’s essential to always plan for uncertainties. When you pass away, Blue Cross can pay your family thanks to their life insurance policy.

Government-sponsored programs

Aside from the insurance policies offered by Blue Cross, they also provide an array of programs on behalf of the Canadian government. Here are some of the programs:

Non-group coverage program

The Alberta government has put Blue Cross Insurance in charge of providing supplementary health benefits programs. This includes managing several additional health programs the Alberta Health Care Insurance Plan does not cover.

Coverage for senior programs

Senior citizens in Canada are also offered premium-free prescription drugs and other medical services that the AHCIP doesn’t cover. People covered by this are senior citizens 65 years of age and older.

Palliative coverage program

Blue Cross Insurance also disburses palliative care as it relates to health care benefits. You can check out the Palliative Care Program for Canadians for more information. Since they have many locations across the country, it will be easy to give these healthcare benefits to everyone.

Optical assistance for seniors program

This eye program offers eligible Canadians, particularly seniors, several financial assistance options for optical benefits. If one is found eligible, seniors will get a maximum of $230 every three years. These are meant for the purchase of contact lenses and eyeglasses. Check out more information about this Blue Cross program.

Other programs

Blue Cross Insurance also provides benefits for all Canadian communities, such as Alberta, British Columbia, and Ontario, among others. These benefits include child and adult benefit programs. If you stay in Alberta, you can check with the community and social services department.

Blue Cross Insurance product and service quality

In this Blue Cross insurance review section, let’s look at the quality of their customer services and products.

Most Canadians appreciate the fact that Blue Cross insurance offers competitive pricing and an array of services. Their health policies don’t discriminate, and you can find one that fits your needs. It’s a relief that Blue Cross offers health packages for teens, students, and senior citizens.

You will enjoy their telehealth and wellness programs along with health plans that cover drug prescriptions. This makes it a smart choice for those who want a convenient way of affording health care services and support in Canada.

Moreover, several customers also indicate that their unfettered commitment to welfare and social programs attracts them to Blue Cross insurance. They contribute immensely to several community initiatives through the partnership they form with the government of each Canadian province.

When you have an insurance firm that cares about what goes on in their community and takes the necessary steps to ease such suffering, it’s expected that you appreciate them.

Blue Cross Insurance is part of a reputable global network that includes the Blue Shield Association and American Blue Cross. They are also a member of the International Federation of Health Plans, which makes them reliable and trustworthy.

With more than 8 million customers in Canada, their service quality is never in doubt. Blue Cross Insurance was awarded the most respected life insurance firm in Canada in 2021 by DART I & C. Their level of professionalism has never been questioned in all their years of service.

The Blue Cross uses the best technology available to provide its customers with the best service and experience online. They also follow Google’s privacy policy when it comes to gathering customers’ information via cookies, and they will never breach customers’ confidentiality.

How to get started with Blue Cross Insurance

This Blue Cross insurance review section will talk about the processes involved when you want to buy a plan with this insurer.

If you don’t have adequate health or travel coverage for your job, you can purchase a policy with Blue Cross. Here are some steps to enroll in a Blue Cross insurance policy in Canada:

Online

If you want to get a Blue Cross plan online, here are the steps to follow:

  1. Visit www.bluecross.ca.
  2. Press the “Get a Quote” link.
  3. You will be asked to select the province where you reside, and then you will be redirected to the page for that province.
  4. Click “sign in” on the page and select “plan members.” Ensure you update your browser to the latest version for a better experience.
  5. Select “Not registered yet.”
  6. Input your ID card information. For individuals, enter your first and last name, birthday, and email address. For a group policy, you will need to input the details of all members that you want to add to the group insurance policy.
  7. Create a unique login ID and password (add special characters for better security).
  8. Choose security questions (about four) and give answers. This section is meant to verify your identity if you don’t remember your password or are unintentionally locked out of your account.
  9. Tick the terms of use, then click “Proceed” to complete the registration.
  10. Once this is done, you can proceed to select the insurance plan you want.

Agent

Licensed Blue Cross insurance agents in Canada can help you with your travel, life, or health policies. These agents are available in Manitoba, Quebec, Ontario, British Columbia, and some other Canadian provinces.

They will make your work easy and provide valuable information about the insurance plans that will meet your needs.

Phone

You can also contact them via phone for proper guidance through their customer support numbers. A customer support team is available 24/7 to help you get the insurance package of your choice.

Alternatives to Blue Cross Insurance

This section of the Blue Cross insurance review will discuss other reliable insurance companies you can use in Canada.

Walnut Insurance vs Blue Cross

Walnut is a well-known life insurance firm in Canada. They use API technology to provide their customers with simple insurance coverage. Aside from traditional insurance coverage, registered customers get other premium services.

Moreover, with Walnut, you can easily access all your insurance policies and incentives. Onboarding at Walnut can be done in a few minutes, as their site interface is user-friendly. Their monthly premium is affordable, and their clients include individuals and multinationals worldwide.

Pros of Walnut

  • Insurance plans are affordable.
  • You can get a quote within 10–20 minutes.
  • Add-on features at discount rates
  • A variety of holistic and wellness products
  • Secure yourself from digital and identity fraud.

Cons of Walnut

  • Life insurance is limited to new applicants aged 55 and below.
  • Not available in all Canadian provinces
  • Add-on rates are not universal.

Nowly vs BlueCross

Nowly is a Canadian-based insurance firm that offers qualified insurance policies. Their plans are affordable and provide constant coverage for as little as $6 per month. They are under Teachers Life, which is their parent brand. Nowly offers a digitized insurance service for all Canadians.

Moreover, customers don’t need to take a medical exam before getting a health insurance plan. Also, everyone has a 30-day money-back guarantee on specific policies. Their client app allows you to have access to all the information you need.

Pros of Nowly

  • Easy online application
  • No medical exam is required.
  • Free access to welfare incentives
  • Available in all Canadian provinces
  • Money-back guarantee

Cons of Nowly

  • Not all insurance policies are available.
  • There are age limitations on particular coverage options.
  • There are also term lengths for age-based plans.
  • Premiums and policies aren’t stable.

Policy Advisor vs Blue Cross

Policy Advisor is one of the best insurance brokerage firms and provides excellent services for their clients. This insurer is known to offer top online solutions as it concerns insurance and a wide range of products.

Policy Advisor is relatively new in the market, established in 2019. However, it has grown to become a highly successful Canadian insurance firm, with more than 14 million quotes in two and a half years. The main products this policy advisor offers are whole and term life insurance. Some of their products include:

  • Child life insurance
  • Mortgage protection
  • Critical illness insurance

They are known to have a simple approach to tasks and are very reliable.

Pros of Policy Advisor

  • Offer a free consultation from a licensed professional.
  • Simile online application process
  • have an array of insurance policies
  • A working life insurance calculator

Cons of Policy Advisor

  • limited to some Canadian regions

Blue Cross Insurance review conclusion

We have provided a comprehensive explanation with this Blue Cross insurance review. Blue Cross Insurance remains one of the most trustworthy and reliable insurance firms for Canadians.

We have talked about what attracted many people to this brand and the benefits of using their services.  Although they are a top firm, we have also stated some negatives about their service provisions.

Blue Cross Insurance offers many services and products, which have been highlighted in this review, and we have discussed the quality of their service. There are also three top insurance firms in Canada that we have listed as alternatives to Blue Cross.

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FAQs about our Blue Cross Insurance review

Is Blue Cross a Canadian company?

Blue Cross Insurance is a Canadian insurance firm with offices across several provinces. While based in Canada, they also have offices in the USA that serve their citizens. The shareholders of Blue Cross Insurance include Medavie Blue Cross, Alberta Blue Cross, Blue Cross Canassurance, Saskatchewan Blue Cross, Manitoba Blue Cross, and Pacific Blue Cross.

How much is Blue Cross per month in Ontario?

Blue Cross per month Ontario depends on several factors, which include age, family, and the amount of insurance. Their ranges are from 0-64 years, while the monthly rate is around C$20–C$44, irrespective of the number of people involved.

Who is eligible for Alberta Blue Cross?

Everyone who resides in Alberta is eligible for Alberta Blue Cross. However, this excludes new or returning residents outside Canadian territories. Excluded people are those who haven't lived in Alberta for a year and those exempt from paying income tax.

Is Blue Cross Blue Shield good in Canada?

The Blue Cross and Blue Shield insurance plan is an excellent choice for those in Canada. This benefit plan is ideal for those who need medical care outside the US and Puerto Rico but live in Canadian regions.

How much does Canadian health insurance cost?

Canadian health insurance costs about C$760 yearly or about C$64 monthly. This is based on the fees posted by the Canadian Institute of Health Information (CIHI).

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