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.
PLEASE NOTE: Due to the current broad travel advisory and the level that has been published, our plans will be limited for purchase. We are happy to assist with any of your questions but we ask that you keep in mind that products/plans and rates will be changing to adapt to the pandemic over the last several months. Currently we are working closely with our partners and other insurance carriers to ensure that options will be available for COVID-19 coverage in the near future.
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?
- The answer to this is YES, we will have multiple carriers willing to cover claims relating to COVID-19 this fall and some may have little to no price increase. We are working closely with all of our partners and other insurance carriers to ensure that you will have multiple options for COVID-19. Again, cost of that coverage is being decided by each individual carrier at this time. Some companies may not increase their rates at all while others might increase slightly. Please contact us in late August 2020 and we should have more information available for you.
If I am able to travel to my winter home in the U.S., will I be covered for COVID-19?
- Again, we are working very hard with our partners/insurance carriers to ensure that you will have coverage options for COVID-19 for your winter/snowbird travel. Please contact us in late August 2020 and we should have more information available for you.
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.)
- We have carriers that will provide you with coverage for COVID-19. Please contact us for more details.
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. Please call us in late August 2020 and we should have specific details for your individual policy.
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.
My trip was cancelled, can I change the dates on my Trip Cancellation policy?
- Yes, you can amend the dates up to 18 months out.
Can I buy a Trip Cancellation policy now and will it cover me if I have to cancel for reasons related to COVID-19.
- Trip Cancellation policies are still available through some insurance companies; however, none will cover COVID-19 while a government travel advisory is in place.
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.
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.