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COVID-19 Travel  Insurance for Canadians:

Information, Quotes

Coronavirus (COVID-19) pandemic is not over yet, but many Canadians want to travel, can travel and sometimes have to travel for many reason. Life goes on, it never stops... Currently, many Canadian travel insurance providers offer travel medical insurance that covers coronavirus (COVID-19) related expenses while on a trip outside Canada.

Here are the COVID-19 Travel Insurance plans for Canadian travelers available now: get information and quotes.

• Allianz COVID-19 Insurance  
• Manulife COVID-19 Insurance
• Tour+Med Travel    

• Blue Cross Travel  
• True Escape & True Senior Guard Plans
• Destination Travel Health & Leisure Plans

• TuGo Traveller
• 21st Century Travel
• Travelance

 

To get your best quote and select your best option, please complete the Medical Questionnaire ONLINE.

No medical questionnaire required for the Allianz Global Assistance: COVID-19 Insurance and Assistance Plan.

 

However, Canadians who decided to travel abroad now may face the risks, which are not covered under Travel Medical insurance policy, such as: difficulty obtaining essential products and services, including access to local medical care; quarantines at destination; cancellation of their return flights to Canada which will result in additional expenses (airfare, accommodations, etc.) needed to remain at their destination.

Insurance companies cannot guarantee access to health care services abroad during the pandemic.

Most travel insurers only cover Emergency repatriation if it is considered necessary and safe by the travel assistance medical team and the attending physician at the destination. Inability to access health care or lack of access due to overcrowded medical centres alone does not constitute grounds for emergency repatriation.

 

 *  *  * 

 

   Allianz Global Assistance: COVID-19 Insurance and Assistance Plan

Policy Wording (coverage for COVID-19 only)

Allianz COVID-19 Insurance and Assistance Plan is a stand-alone policy which does not covered emergency medical expenses other than coronavirus related medical expenses. It may complement the traveler's existing emergency medical insurance plan which does not provide COVID-19 coverage. No medical questionnaire is required.

 

ELIGIBILITY

To be eligible for this coverage you must meet the following conditions on the effective date of your policy:

a) be a Canadian resident;

b) be at least 15 days old;

c) be insured by a Canadian provincial government health insurance plan for the duration of the trip; and

d) you must have purchased your policy prior to departing on your trip or, if purchasing an extension, prior to the expiry date of your COVID-19 policy.

 

SUMMARY OF BENEFITS

Policy Maximum: $1,000,000 per insured person per trip
COVID-19 EMERGENCY HOSPITAL & MEDICAL INSURANCE COVERAGE
Benefits Benefit Limits - in Canadian dollars

EMERGENCY TREATMENT

Medical expenses related to the treatment of COVID-19 after receiving a positive COVID-19 test.

• Up to policy maximum

• Out-of-pocket expenses: $500

TRANSPORTATION

Expenses incurred for transportation to the nearest appropriate medical facility or to a Canadian hospital if an insured tests positive for COVID-19 while on their trip.

• Up to policy maximum

RETURN OF TRAVEL COMPANION

If an insured is quarantined, hospitalized or repatriated, this benefit is for expenses to transport a travel companion and dependent children back to their home.

• Up to policy maximum

EXPENSES IN THE EVENT OF YOUR DEATH

If death occurs due to COVID-19 while abroad, this benefit covers the preparation and transportation of remains to the insured s province or territory of residence.

• $5,000

COVID-19 TRIP INTERRUPTION INSURANCE COVERAGE
Benefits Benefit Limits - in Canadian dollars

QUARANTINE MEALS & ACCOMMODATION
Expenses if an insured is placed in individual quarantine during their trip due to a positive COVID-19 test.

• Per person: $150 per day to a maximum of $2,100

DENIED BOARDING

If on a return trip home, an insured is denied boarding due to a COVID-19 screening, this benefit is for unexpected expenses incurred as a result of the delay.

• Per person: $300

 

EXCLUSIONS

Benefits are not payable for costs incurred during your trip if you have tested positive for COVID-19 prior to your trip and have not subsequently tested negative for COVID-19 before your effective date.

Benefits are not payable for costs incurred due to, contributed by, or resulting from any signs or symptoms of COVID-19 within fourteen (14) days immediately before your effective date. Signs or symptoms means any evidence of COVID-19 experienced by you or recognized through observation.

Benefits are not payable for costs incurred in a country, region or city during your trip if, before your effective date, a Level 4 travel advisory (Avoid all travel) was issued by the Canadian Government for COVID-19, advising Canadians to avoid all travel to that country, region, or city.

Benefits are not payable for any costs incurred due to, contributed to by, or resulting from any positive COVID-19 test while on a cruise or in any destination included in your cruise itinerary.

Please refer to the Policy wording for a full list of exclusions and limitations.

 

Get a Quote

 


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   Tour+Med Travel Medical Insurance with COVID-19 Rider

Plan Details

COVID-19 Rider eliminates the pandemic situation related to COVID-19 from the Travel Advisory exclusion #19f of Your policy.

COVID-19 Rider *:

Provides coverage up to $5,000,000 in the event of a medical Emergency related to a positive diagnosis of COVID-19 (confirmed by a Physician) while on your trip, even if a travel advisory to avoid all travel or avoid non-essential travel (due to the pandemic situation of COVID-19) is in force at the time of your medical Emergency. (Coverage includes costs of hospitalization, treatments and repatriation, if necessary.)

Prevents a forced return within 10 days (see exclusion 19f) if a travel advisory to avoid all travel or to avoid non-essential travel (due to the pandemic situation of COVID-19) is issued during your Policy Period. Provides exclusive benefits, adapted to the situation.

ADDITIONAL BENEFITS**

In the event that you receive a first positive diagnosis of COVID-19 (confirmed by a Physician) during a trip and that you must legally proceed to an imposed quarantine at destination:

CAN $100 per day of necessary quarantine at destination (outside of a hospital) (maximum CAN $1,400);

Up to CAN $500 for perishable goods (groceries, restaurant orders) delivered during your quarantine;

Up to CAN $100 for the sum of your taxis to and from a COVID-19 testing centre;

Access to virtual consultations with a physician (service only offered in the United States);

AUTOMATIC EXTENSION

In the event that You receive a first positive diagnosis of COVID-19 (confirmed by a Physician) during a Trip and that Your legally-imposed quarantine period exceeds your Expiration Date,the Policy Period (and this rider) willbe automatically extended, at no extra charge, up to 72 hours following the end of your legally-imposed quarantine, subject to a maximum automatic extension of 17 days.

The automatic extension is not offered in the event of a serologic test that provided a positive result to COVID-19 antibodies.

* Subject to the other terms, conditions and exclusions of the policy.

** Some conditions apply.

Residents of Alberta, British Columbia, Manitoba, New Brunswick, Ontario, Saskatchewan can apply for this insurance coverage.

 

Complete Medical Questionnaire Online

 


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          Blue Cross Travel Insurance

Plan details .

This policy does not have a Travel Advisory exclusion.

Health care services as of result of a COVID-19 infection abroad are covered, as long as you have not tested positive for COVID-19 or showed symptoms prior to your departure.

The insurer may request the return to the country of residence when the Canadian or provincial government encourages travelers to return to the country. See Amendment 1 on the policy wording.

Single trip and annual multi-trip plans are available.

Residents of Ontario, New Brunswick, Newfoundland & Labrador, Nova Scotia, Prince Edward Island can apply for this plan.

 

Get a Quote or Buy Online

 


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administered by AwayCare

True Escape and True Senior Guard    

Travel Medical Insurance

underwritten by Northbridge Insurance Corporation

Plan Details

This policy covers coronavirus related medical expenses for up to $2,000,000 provided there have been no symptoms of this condition before the application date. See Addendum for both plans that eliminates the Travel Advisory Exclusion #13 specifically related to COVID19, when:

• the travel advisory is specific to COVID19 and;

• you have purchased the enhanced pandemic/epidemic coverage of $2 million.

Single trip and annual multi-trip plans are available.

 

Get a Quote

 


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Manulife Financial COVID-19 Pandemic Travel Plan

Policy Wording

The policy will provide the coverage below:

Emergency Medical Insurance for Non-COVID‑19 related medical conditions.

Medical Questionnaire is required for applicants 60+

Up to $5,000,000 CAD per insured

Emergency Medical Insurance for COVID‑19 and related conditions after a positive test result while at destination, including Emergency Air Transport to return you home

Up to $1,000,000 CAD per insured

Quarantine expenses after a COVID‑19 positive test result, denied entry or contact tracing while at destination

$150/day up to $2,100 per person, or
$300/day up to $4,200 per family
(Maximum duration of 14 days)

Level 3 Travel Advisory (Avoid non-essential travel) upgraded to Level 4 (Avoid all travel) Travel Advisory by Canadian Government

Up to a combined $500 CAD per person for:

Return airfare, Meals and accommodations

 

Get a Quote  OR  Buy Online

 


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      TuGo COVID-19 Insurance

This insurance provides coverage for emergency medical and quarantine related expenses incurred as a result of testing positive and being diagnosed for COVID-19 while travelling outside of Canada.

Maximum policy limit is $500,000 CAD

Age limit - None

Deductible - $300 USD

Plans available:  Single trip USA  AND  Single trip worldwide excluding USA

 

Benefits and Features

 

ELIGIBILITY

At the time of application, the traveler is eligible for coverage if:

1.1. They have a worldwide or worldwide excluding USA TuGo emergency medical policy in place for the full duration of their COVID-19 Insurance coverage.

2. They are a Canadian resident.

3. They are not travelling against a physician or other registered medical practitioner’s advice.

4. They have not been diagnosed with a terminal condition.

5. They are not receiving palliative care or palliative care has not been recommended.

6. They have not been diagnosed with COVID-19 on or within the 30 days prior to departure.

7. They have not shown symptoms of COVID-19 on or within the 14 days prior to departure.

 

If you are 60 years of age or older, you must answer the Medical Questionnaire to purchase one of the following plans:

• Single Trip USA COVID-19 Insurance

• Single Trip Worldwide Excluding USA COVID-19 Insurance .

Your answers will determine the premium (cost) of your insurance

 

 


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      Destination Travel Insurance Plans

Destination Travel Health Plans COVID - 19 Rider

Destination Travel Leisure Plan COVID - 19 Rider 

COVID-19 Rider is available on the Destination Travel Health Plans and the Destination Travel Leisure Plan, single trips only.

Both plans with COVID-19 Riders cover expenses related to COVID-19 for up to an overall maximum of $1,000,000 CAD per insured for reasonable and customary charges incurred by you as a result of an emergency in relation to Coronavirus (COVID-19) and related complications.

Pricing: Rider costs 40% of the base plan.

Exclusion: Coronavirus (COVID-19) and related complications are not covered while you are on your cruise or in any destination included in your cruise itinerary .

 

How to Apply

The Destination Travel Leisure Plan can be purchased ONLINE : Get a Quote or Buy ONLINE. This plan is available for applicants up to 74 years of age. For travelers 55-74 years, their trip length cannot exceed 25 days, no medical questionnaire required.

 

To get a quote for the Destination Travel Health Plan, the medical questionnaire is required. Travelers under age 90 can apply.

Please complete the Destination medical questionnaire ONLINE, and your quote will be emailed you within one business day.

 


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    21st Century Medicare International Travel Insurance

COVID - 19 Rider

Coronavirus (COVID-19) Emergency Medical Rider can be added to Medicare International Travel Emergency medical Insurance, single trips only. See the Plan Details .

This policy with the COVID-19 Rider will provide an overall maximum of $1,000,000 CDN for emergency medical expenses in relation to Coronavirus (COVID-19) and related complication. The cost of this rider is 35% of the base plan.

Exclusion: Coronavirus (COVID-19) and related complications are not covered while you are on your cruise or in any destination included in your cruise itinerary.

 

To get a quote,  please complete the 21st Century medical questionnaire ONLINE, and your quote will be emailed you within one business day. No age limit.

 


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             Travelance Travel Insurance

COVID-19 Emergency Medical Coverage Waiver

If you need to travel while a travel warning is still in place, the waiver will remove the policy exclusion relating "To avoid non-essential travel" warnings from your policy and provide the following emergency medical benefits for a new diagnosis of COVID-19 while at destination.

Emergency medical coverage for COVID-19 after a positive test result while at destination including emergency transport home:

    Up to $500,000 CAD

Quarantine expenses due to a positive test result or contact tracing while at destination Up to $150 CAD per person per day -

     Up to $300 CAD per family per day

Maximum 14 days for accommodation and meals

•  Available for travelers 74 years of age and under on departure date.

•  For covered trips of 21 days or less, single-trip coverage.

•  NO medical questionnaire required.

•  The cost of this benefit is $4 per day.

Can be purchased with the following TRIPs plans: All Inclusive,  All Inclusive Canada, Emergency Medical, Youth Premier

 

 


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NOTE: The product related information is for illustration purpose only. Please refer to the policy wording for the complete terms, benefits, conditions & exclusions.

 


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December 03, 2020