Selling a Visitors To Canada (VTC) Policy

This section provides a step-by-step process for selling a Visitors to Canada (VTC) policy. It outlines key roles, including the Account Holder’s responsibilities, and explains how to manage policy documentation effectively. By following this guide, you can streamline the application and quoting process, ensure eligibility compliance, and create a smooth experience for travellers.

4 minutes

Bluecross

Click **New Opportunity** to get started.

Applicant Information

A form will generate to capture **Applicant** **(Caller)** information. - The section titled **Information of the Customer** is where the **caller’s information** must be entered. - If the caller is **not** one of the insured travellers (e.g., a family member, friend, or neighbour assisting with the purchase), they will become the **Account Holder.** ⚠️*The **Account Holder’s emai**l will be used to create the **Customer Portal** login, where policy documents can be accessed, managed, and shared with the insured traveller(s).*

**Form Instructions:** 1. Enter the **caller’s email address**. - If the caller is not the insured, ensure their email address is used — this will serve as the Account Holder’s contact for accessing and managing the policy. Click **Save** to proceed. 💡**Tip:** *Once **Save** is clicked, an **Account** is automatically created for the caller and can be found under **Accounts**.*

Two questions will appear to guide the appropriate quoting pathway: 1. **Are you travelling as well?** - **Yes:** The caller is both the **caller** and the **insured traveller**. - **No:** The caller is a **family member, friend, neighbour**, or other individual assisting the insured in securing coverage. 2. **Are all the people to be insured residents of Canada?** - **Yes:** The process will continue through the **Canadian resident** pathway to quote and purchase travel insurance. - **No:** The system will generate the **Visitors to Canada (VTC)** quote and application pathway. Click **Launch** to proceed.

Stage 1: Trip

1. At the top of the screen, you’ll see that an **Opportunity** has been created for the **Applicant (Caller)**. You can verify this by reviewing the **Contract Role** displayed on the screen. 2. If the applicant is **not travelling**, their **Contract Role** will appear **blank**. 3. Click **Add Traveller** to include the **Main Insured** and any additional travellers, such as a **spouse, partner,** or **eligible dependant**.

You can **search for an existing traveller** or select **New Traveller** if their information has not yet been saved in the system. **Existing Traveller:** Search for the traveller’s name to pull their record directly from **Accounts**. **New Traveller:** If the traveller has not purchased a contract through your office before, add them by completing the required fields. - Click **Save** to add the traveller to the contract.

If the **Applicant** is **not an insured**, you will be required to select one of the travellers as the **Main Insured** on the policy.

Complete the required **Trip Details** fields below. Click **Mark Stage as Complete** to proceed.

Stage 2: Eligibility

If applicable, complete the **Eligibility** stage using the answers provided by the caller. *If the insured is **not required** to complete the Declaration of Eligibility and Health Declaration, the system will automatically advance to the next step.*

After clicking **Submit**, the system will switch to the **Results** tab to display whether all travelers are **eligible or not**. - If the insured answers **Yes** to any of the **medical eligibility** questions, they are **ineligible for coverage**, and you will not be able to proceed. Once the page reloads, the **Mark Stage as Complete** button will change color and become clickable. Click **Mark Stage as Complete** to proceed.

Stage 3: Coverage

1. The **travellers** will be listed on the screen. 2. Select the **Emergency Medical Care Coverage** checkbox. - Use the drop-down menus to choose a **policy maximum** and apply a **deductible** (optional). - The quote will update in real time. 3. Click **Select** to confirm your coverage choice. 4. The **Rebate** section does **not** apply to **Saskatchewan Blue Cross’s Travel Product Suite** — please disregard this section. Click **Mark Stage as Complete** to proceed.

Stage 4: Preg-Existing Conditions

Read the statement regarding **Pre-Existing Conditions** and **Emergency Medical Care Coverage**, and advise the applicant of the **age and stability period** applicable to each traveller.

For further details on the term *“stable”*, **hover over** the blue linked text to display an info box, and review the explanation with the caller.

Scroll down the page to review and confirm the **Travel Summary**, **Travellers**, and **Coverages** sections with the caller. Once the applicable **Pre-Existing Conditions notices** and **travel coverage details** have been reviewed with the caller: 1. Click the **checkbox** to confirm the review has been completed. 2. Click **Submit**. 3. Click **Mark as Complete** to proceed to the next stage

Stage 5: Additional Information

💡 For **Visitors to Canada**, the address entered must be the **Canadian address where they will be staying**. This could be: - A **family or friend’s home** - A **hotel** - An **Airbnb or other rental** A **Canadian residential or temporary stay address is required** for all Visitors to Canada policies. Be sure to capture the address of a **trusted family member, friend, or confirmed accommodation** where the visitor will reside during their stay.

ou will now **enter the address information for each individual** on the contract. It’s important to confirm which section you are completing and the **role** of each person: - **Requester / Account Holder:** The caller who is initiating the purchase. - **Main Insured:** The primary traveller being covered. In most cases, this is also the requester. - **Dependents:** Travellers who may have a different address (e.g., children living elsewhere). You can toggle **Use Requester’s Address** if the individual shares the same address. Each person can also have their **own unique address**, which is helpful when travellers live in separate locations. To enter an address: - Use the **search bar** with the magnifying glass to look up a **pre-registered address**. - If the address does **not** appear (e.g., **P.O. Box** or **Rural Route**), manually enter it in the **Civic Number / Street** field below. Make sure all address fields are complete before continuing.

Stage 6: Payment

Select the **payment type** from the drop-down menu then click **next**. ⚠️ ***Note:*** *Advisors can only process travel sales using a **credit card**.*

1. An **orange notice** will appear at the top of the screen asking you to confirm if the caller would like their **credit card information** saved for future purchases. 2. If **Yes**, select the **checkbox** to confirm. Click **Save** to continue.

Confirm the **credit card information** with the caller.\ \ If any details are incorrect, click **Make Changes** to update the information.\ \ Once confirmed, click **Submit** to process the payment.

Click **Print Receipt** to print a receipt slip for the caller.\ \ Then, select **Finish** to generate the policy documentation.

Stage 6: Closed/Won

When you land on this page, **do not exit**. As indicated by the **gray status bar**, the system is generating the contract. Do **not** close the screen until the gray bar disappears. Once complete, the **Account Holder** will receive an email with instructions to access their policy documents and self-management features through the **Customer Portal**.