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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.

• Manulife COVID-19 Insurance (Buy Online)
• Allianz COVID-19 Insurance
• Tour+Med Travel

• Blue Cross Travel  (Buy Online)
• True Escape & True Senior Guard Plans
• Destination Travel Health & Leisure Plans

• TuGo Traveller (Buy Online)
• 21st Century Travel
• Travelance

 

No medical questionnaire required for the Allianz Global Assistance COVID-19 Insurance and Assistance Plan: there is no coverage for emergency medical expenses other than COVID-19 emergency .

To get your best quote and select your best plan which would cover medical emergencies including COVID-19 related medical expenses, please complete the Medical Questionnaire ONLINE (for travelers 55+ years of age).

If you are under 55, the following travel medical insurance plans can be purchased ONLINE without medical questionnaire:  Destination Leisure plan, TuGo Traveller, Blue Cross Travel, Manulife Covid-19 insurance

 

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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.

 

Most travel medical insurance policies do not cover a medical condition for which, prior to your policy effective date, an official travel advisory issued by the Government of Canada states "Avoid all travel" (Level 4 travel advisory) regarding the country, region or city of your destination. To view the travel advisories, visit the Government of Canada Travel site.

 

COVID 19 Updates: Government of Canada introduces further restrictions on international travel, Jan 29, 2021

 

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   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 cover 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

AUTOMATIC EXTENSION of Coverage

Quarantine: If you cannot travel on the scheduled return date due to a positive COVID-19 test, coverage will be automatically extended until the maximum benefit of fourteen (14) days is reached. Costs for rescheduled transportation are not included in this coverage.

 

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:

Up to CAN $700 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 a maximum of 2 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 .

COVID-19 Updates

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.

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

The policy will provide the coverage below (updated on Sep 20, 2021):

Emergency Medical Insurance for Non-COVID‑19 related medical conditions: Medical Questionnaire is required for travelers 60+

Emergency Medical Insurance  - Land Trip

Individuals Fully Vaccinated

Up to a combined maximum of $5M

• for covered expenses unrelated to COVID-19

• for covered expenses related to COVID-19 if you have been fully vaccinated

 

Individuals Not Fully Vaccinated

Up to a combined maximum of $5M

• for covered expenses unrelated to COVID-19

• up to $1M for covered expenses related to COVID-19 if you have not been fully vaccinated

Emergency Medical Insurance  - Cruise Vacation

Note:

• Emergency Medical Insurance coverage for COVID-19 and related complications while on a cruise will be excluded from coverage while the Level 4 "Avoid All Cruise Line" Travel advisory is in place.

• Emergency Medical Insurance coverage is available for medical conditions unrelated to the Level 4 " Avoid All Cruise Line" Travel advisory.

To view the travel advisories for your points of destination, visit the Government of Canada Travel site

Individuals Fully Vaccinated and for children age 11 and under that are not eligible to be vaccinated

Up to a combined maximum of $5M

• for covered expenses unrelated to COVID-19

• for covered expenses related to COVID-19 if you have been fully vaccinated

 Exception:

Age 11 and under that are not eligible to be vaccinated, up to $1M for covered expenses related to COVID-19 when travelling with at least one parent or guardian on the same cruise booking who has been fully vaccinated

 

Individuals Not Fully Vaccinated (with the exception for age 11 and under that are not eligible to be vaccinated)

**There is no coverage for COVID-19 and related complications if you have not been fully vaccinated.

Trip Interruption coverage (Available on all trip durations)

Quarantine expenses after a COVID-19 positive test result, denied entry or contact tracing in destination

• Up to $200 /day to a maximum of $2,800 per person, Up to $400 /day up to a maximum of $5,600 per family
(Maximum duration of 14 days)

Expenses to return home if quarantined or self isolated beyond original return date.

• Up to $500 for your one-way economy class airfare via the most cost-effective itinerary to return you home

Vaccine means a full course of immunization for Coronavirus (COVID-19) that is authorized by Health Canada. It must be taken according to the 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

AUTOMATIC EXTENSION of coverage is provided beyond your expiry date, as stated on your confirmation, if: 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, Manulife will extend your policy coverage for the duration of your quarantine and up to seventy-two (72) hours following the end date of your quarantine period.  

 

Get a Quote  OR  Buy Online

 


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      TuGo COVID-19 Insurance for Unvaccinated Travellers

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 $1,000,000 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 provide coverage to a maximum of $5 million CAD per insured, per trip:

• as a result of emergency treatment you required during your trip if a medical condition begins unexpectedly after you leave home that is unrelated to Coronavirus (COVID-19);

• for treatment you require when travelling outside of your province or territory of residence when the medical emergency is related to Coronavirus (COVID-19) and related complications provided that you have received the vaccine.

This insurance provides coverage to a maximum of $1 million CAD per insured, per trip:

• as a result of treatment required by you during your trip if your medical emergency is related to Coronavirus (COVID-19) and related complications if you have NOT received the vaccine;

 Important information about cruise travel: If you have not received the vaccine, this insurance does not provide any coverage for Coronavirus (COVID-19) and related complications on a cruise or at any destination included in your cruise itinerary.

Pricing: Rider costs 15% of the base plan.

 

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 coverage for emergency medical expenses related to Coronavirus (COVID-19) and related complications for up to a maximum of $1,000,000 CDN per insured if you have NOT received the vaccine.

If you have received the vaccine, expenses for Coronavirus (COVID-19) and other emergency treatment you require during your trip will be paid based on the maximum limit for emergency medical coverage included in the policy that you purchased .

Important information about cruise travel: If you have NOT received the vaccine, the policy does not provide any coverage for Coronavirus (COVID-19) and related complications on a cruise or at 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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September 21, 2021