What COVID-19 travel insurance actually covers?

Most people travel every day without a problem, but now and then the unexpected happens. Even in the post-COVID time, if you want to have a carefree trip, you have to have COVID-19 pandemic travel insurance for travelling Canadians. But what does COVID travel insurance actually cover? How it works? Let’s consider.

COVID-19 protection for worldwide travel for travelling Canadians

• Up to $1 million for COVID-19 related emergency medical expenses (up to $5 million if received full course of immunization for COVID-19)
• Up to $5 million for non COVID-19 related emergency medical benefits
• Covers a wide range of expenses for health services, transportation and more
• Includes interruption coverage in the event you need to be quarantined during your trip

What medical emergency costs are 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

Note: You are eligible for $5 Million CAD coverage if you have received the full course of immunization for Coronavirus (COVID-19) that is authorized by Health Canada. It must be taken according to manufacturer’s recommendation before your effective date. You must also wait the applicable period of time for it to become fully effective based on the manufacturer’s recommendation, or as dictated by the applicable health authority, before your departure date.

Trip Interruption

• Up to $200 per insured person per day for your additional and unplanned commercial hotel and meal expenses to a maximum of $2,800 if you are unexpectedly required to self-isolate or quarantine. Family coverage maximum is $400 per insured family per day to a maximum of $5,600

• Trip Interruption coverage is only available once you arrive at any destination included in your trip and only when you incur any expenses in relation to COVID-19.

Validity period: COVID-19 pandemic travel insurance for travelling Canadians is only valid for the trip dates.

Automatic extension of coverage is provided beyond your expiry date, as stated on your confirmation, if:

• your common carrier or vehicle is delayed and prevents you from travelling on your expiry date. In this case, your insurance company will extend your coverage for up to seventy-two (72) hours;
• you have been advised by a medical professional to self-isolate or quarantine as a result of Coronavirus (COVID-19), beyond your expiry date. In this case, your coverage will be extended for the duration of your quarantine and up to seventy-two (72) hours following the end date of your quarantine period.
• you or your travel companion are hospitalized on the expiry date. In this case, your coverage will be extended during the hospitalization up to a maximum of 365 days or until, in their opinion, you are stable for discharge from the hospital or for evacuation home, whichever is earlier, and for up to five (5) days after discharge from the hospital; or
• you or your travel companion have a medical emergency that does not require hospitalization but prevents travel on your expiry date, as confirmed by a physician. In this case, your coverage will be extended for up to five (5) days.

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)

Protect your trip with emergency medical coverage that includes COVID-19 expenses. And as soon as you get your policy, before going to your trip, just call your insurance company to know exactly what to do in case if you or your partner got sick with COVID-19.