Frequently Asked Questions

We are currently being asked by many of our clients about coverage and the Coronavirus (COVID-19) as well as how it may impact future travel. Please refer to the following FAQs to help answer your questions.

FOR TRAVEL MEDICAL INSURANCE:

If I travel now, on my existing annual policy, will I be covered?

  • Most insurance companies are honouring coverage on existing policies; however, while there is a government travel advisory in place, there may be an exclusion for claims relating to COVID-19.

 I want to travel in the fall, will I be able to buy a policy to cover me for COVID-19? How much more will I have to pay?

  • At this time, available coverage for COVID-19 will depend on the Canadian Travel Advisories. If your destination has a Travel Advisory to avoid “all” or “non-essential” travel due to COVID-19, coverage will not be provided. If your destination does not have such Advisory, coverage would be available.

If I am able to travel to my winter home in the U.S., will I be covered for COVID-19?

  • At this time, available coverage for COVID-19 will depend on the Canadian Travel Advisories. If your destination has a Travel Advisory to avoid “all” or “non-essential” travel due to COVID-19, coverage will not be provided. If your destination does not have such Advisory, coverage would be available.

If I get stuck in quarantine and I contract COVID-19, is it covered?

  • If you travelled after a government travel advisory was put in place, deeming your destination on the “Avoid Non-Essential and Avoid all Travel” list, then it’s not likely that you’ll have coverage for claims relating to COVID-19.

 If I had COVID-19 in the past, can I get it covered?

  • Having COVID-19 in the past does not guarantee coverage in the future. If there is a government travel advisory advising you not to travel to a specific destination and you do decide to travel and contract COVID-19 again, it would not be a covered risk.

If you are an Essential Worker (providing public service outside of Canada e.g. Truck Driver, Healthcare Provider etc.)

  • Emergency Medical coverage will apply as normal but COVID-19 coverage will depend on the Travel Advisory for your Destination at the time of your departure.

 Am I covered for COVID-19 if I am currently out of the country and have a policy in effect?

  • Coronavirus is covered like any other sickness/illness or disease that first manifests after the effective/departure date of the policy. That means losses related to hospital or physician charges due to treatment of the virus will be covered so long as the policy was in force/effect before any travel advisory was announced for any area, country, cruise ship and as long as the trip commencement date was prior to March 13th anywhere outside of Canada, noted on the Canadian Government’s “Avoid Non-Essential and Avoid all Travel” list. That being said, you must also have met all the terms and conditions of the original application at point of purchase.

The insured is encouraged and required to call the claims assistance company immediately upon becoming symptomatic. The assistance company will direct the insured as to the necessary steps to take. Please also note that the insurance companies are all impacted and wait times on calls will be longer than normal.

FOR TRIP CANCELLATION AND TRIP INTERRUPTION:

I have an annual plan that I am unable to use, can I get a refund?

While some insurance carriers are offering different forms of compensation, annual plans are non-refundable.

I bought Trip Cancellation Coverage and the Tour/Airline Company is offering me a credit.  Do I have to accept this credit?

  • In most cases, if you are offered a voucher or credit, this is considered compensation and you would not be able to submit a claim for Trip Cancellation so most clients are encouraged to accept the offer of voucher/credit where they are able. If this is not possible for you, please give us a call.

My trip was cancelled, can I change the dates on my Trip Cancellation policy?

  • If your trip cancellation coverage is built in to your annual plan, dates cannot be changed. If you have something different, please give us a call.

Can I buy a Trip Cancellation policy now and will it cover me if I have to cancel for reasons related to COVID-19.

  • No insurance company will cover COVID-19 while a government travel advisory is in place at the time of purchase.

Can I claim for trip cancellation because of COVID-19?

  • Similar to travel medical insurance, the cost of the non-refundable portion of your trip may be covered if you booked and purchased the trip cancellation policy prior to any travel advisory for any area, country, cruise ship and again, as of March 13th, travel anywhere outside Canada, as noted on the Canadian Government’s “Avoid Non-Essential and Avoid all Travel” list. You must also meet the terms and conditions of the application at point of purchase.

What if I can’t get back to Canada because of COVID-19 even though I am not infected?

  • The costs of quarantine outside of hospital may not be covered unless Trip Interruption coverage was purchased prior to departure.

FOR VISITORS TO CANADA TRAVEL MEDICAL INSURANCE:

My mother is going to visit from _____ will she be covered for claims related to COVID-19 while she’s in Canada?

  • Yes, if your mother is healthy and shows no symptoms of the virus, we should be able to provide coverage for COVID-19 while in Canada.

ADDITIONAL RESOURCES:

Please refer to the Government of Canada’s travel advisory page and other resources below which will advise on the specific dates that these advisories took effect and other important information.

Canada – Travel Advisory
Canada – Travel health notices – Levels of risk
Canada – Registration of Canadians Abroad