How to buy pandemic travel insurance with trip interruption online

It’s just great if you are planning to travel for fun or vacations outside of Canada. It’s about time. No doubts, buying a travel insurance plan is included in your preparations for the trip. But you probably don’t know that now a new insurance product is available to cover up to $200 per day in case to be positively tested at the end of your vacation, on the way back home, to stay for quarantine time.

Trip Interruption coverage

Pandemic travel insurance with trip interruption covers up to $200 per insured person per day for your additional and unplanned hotel and meal expenses to a maximum of $2,800 if you are unexpectedly required to self-isolate or quarantine for 14 days. Family coverage maximum is $400 per insured family per day to a maximum of $5,600.

How to buy pandemic travel insurance with trip interruption coverage online on insurancestoronto.ca

To get PANDEMIC coverage for travelling Canadians with the INTERRUPTION option coverage in case of a positive test on the way back home please see the instructions below:

1. Visit the insurancestoronto.ca website
2. Buy Insurance Online
3. Travel / Visitor
4. Travelling Canadians
5. Single Trip (on the bottom of the LEFT column)
6. COVID 19 Pandemic Coverage
7. Get a Quote
8. Tell us about your trip – Single Trip – Single / Companion / Family
9. Start questionnaire (3 parts for people age 55+). You will see the amount in CAD according to your answers to the medical questions.
10. COVID 19 Pandemic Travel Plan – Selected – Press Checkbox
11. APPLY
12. Enter personal information
13. Start filling up the application for the second person and pay online

COVID-19 protection for worldwide travel

Pandemic Travel plans cover COVID-19 related and non-related emergency medical costs with trip interruption coverage for Canadian residents which are covered by a Canadian provincial or territorial health insurance plan.

• Up to $1 million CAD for COVID-19 related emergency medical expenses and up to $5 million CAD for fully vaccinated people with the vaccines that are authorized by Health Canada. It must be taken according to manufacturer’s recommendation before your effective date.
• Up to $5 million for non COVID-19 related emergency medical benefits
• A wide range of expenses for health services, transportation and more
• Includes interruption coverage in the event you need to be quarantined the way back home

What is covered?

 Health services

• Hospital and physician services
• Paramedical services
• Emergency dental treatment
• Hospital allowance

Transportation

• Ambulance
• Emergency medical return home
• Visit to bedside if travelling alone
• Return home of children in care of insured, travel companion, pet, vehicle
• Return of excess baggage

Additional protection

• Extra meal, hotel, child care and phone call costs
• Expenses related to death
• Terrorism coverage

What plans are available?

Single-Trip All-Inclusive Plan

Single-Trip All-Inclusive Plan keeps you protected with up to $10 million CAD in emergency medical protection and much more anywhere in the world. It covers you in case you need to cancel or interrupt your trip because of a medical emergency, missed connection or jury duty. Claim expenses for clothing and toiletries if your luggage is delayed or lost. And get coverage for a flight or travel accident that results in death or dismemberment.

Single-Trip Emergency Medical Plan

You can get only emergency medical benefits, without trip cancellation, baggage insurance and travel and flight accident insurance.

Multi-Trip All-Inclusive Plan

You can get the same emergency medical and other benefits for an unlimited number of trips during the year.

Multi-Trip Emergency Medical Plan

Get only emergency medical benefits, without trip cancellation, interruption, baggage and travel accident insurance.

You are not eligible for this coverage if you:

• Are travelling against the advice of a physician
• Have been diagnosed with a terminal illness or metastatic cancer
• Have a kidney condition requiring dialysis
• Have been prescribed or used home oxygen in the last 12 months
• Have had a bone marrow, stem cell or organ transplant (excluding cornea)

Carry your policy everywhere you travel

Keep your policy and wallet card safe, and take them with you everywhere you go on your trip. Your wallet card has contact information for assistance, available 24/7, if you need to access your benefits while you’re away. Remember, you must contact the Assistance Centre before you receive any treatment while on your trip. If you don’t, you usually have to pay 20% of the medical expenses that would normally be covered under your policy, and some benefits may be limited or not covered.

What’s excluded?

You will not get paid for:

• Any expenses related to the cost of and any expenses for a Coronavirus (COVID-19) test that is mandated by anybody with appropriate authority (such as a government or a transportation service) for entry into or exit from a country/jurisdiction or to use its services.
• Any pre-existing medical conditions if not stable for three months or six months before the effective date of your insurance (pre-existing medical condition means any medical condition that existed before your effective date)

• Your heart condition if any heart condition was not stable or required any form of nitroglycerine for the relief of angina pain during the stability period for your rate category
• Your lung condition if any lung condition was not stable or required treatment with oxygen or Prednisone during the stability period for your rate category

A medical condition is considered stable when all of the following statements are true:

1. There has not been any new treatment prescribed or recommended, or change(s) to existing treatment (including a stoppage in treatment), and
2. There has not been any change in medication, or any recommendation or starting of a new prescription drug, and
3. The medical condition has not become worse, and
4. There has not been any new, more frequent or more severe symptoms, and
5. There has been no hospitalization or referral to a specialist, and
6. There have not been any tests, investigation or treatment recommended, but not yet complete, nor any outstanding test results, and
7. There is no planned or pending treatment.

All of the above conditions must be met for a medical condition to be considered stable.

Reimbursement of the unused portion of your trip

Trip interruption insurance will reimburse the unused portion of your trip if it has already begun and an unexpected incident forces you to return home early. This post-departure benefit is particularly useful when booking expensive trips.

Trip Interruption Insurance is similar to Trip Cancellation Insurance, but the former covers insured travellers for unforeseen events that occur after a trip has begun, rather than before it starts.

If you have any questions about travel insurance, don’t hesitate to contact me by email – info@insurancestoronto.ca or phone – (1) 416-822-2698