FREQUENTLY ASKED QUESTIONS |
ANSWERS |
IS MY MEDICAL COVERAGE VALID:
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If, prior to my departure, I am experiencing symptoms of COVID-19? |
Coverage may not be available if you have experienced symptoms of any medical condition, including COVID-19, before your departure date, if medical evidence suggests a reasonable expectation that treatment or hospitalization could be required while travelling. |
If I depart on a trip after the COVID-19 travel advisory has been lifted?
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Emergency medical coverage is available, as per the terms and conditions of your benefit booklet. |
If the COVID-19 travel advisory is lifted and then reinstated before my departure date?
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Effective January 15, 2021 we have revised the travel advisory exclusion. Coverage will now be available for medical conditions or losses which are unrelated to the reason for which the travel advisory was issued.
However, for emergency medical travel insurance benefits, this exclusion does not apply to medical conditions or losses which are related to COVID-19, even while a travel advisory related to COVID-19 is in effect. |
If the COVID-19 travel advisory is lifted, I depart on my trip, then during my trip the advisory is reinstated?
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Effective January 15, 2021 we have revised the travel advisory exclusion. Emergency medical coverage will be limited to a period of 10 days from the date the travel advisory was issued, or to a period that is reasonably necessary for you to safely evacuate the country, region or area.
If you choose to stay, coverage will be available for medical conditions or losses which are unrelated to the reason for which the travel advisory was issued, while the travel advisory remains in effect.
However, for emergency medical travel insurance benefits, this exclusion does not apply to medical conditions or losses which are related to COVID-19, even while a travel advisory related to COVID-19 is in effect.
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If I choose to receive the COVID-19 vaccine at my trip destination, will the costs of the vaccination and/or any complications arising from it be covered? |
Coverage is not available for expenses related to a vaccination as it’s not being provided as a result of a medical emergency. However, emergency medical coverage is available for an adverse reaction to the COVID-19 vaccination received abroad. |
If I receive the COVID-19 vaccine prior to departure, but incur complications due to the vaccination during my trip, will expenses related to the complications be covered?
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Coverage may be available if you don’t show symptoms or complications following the immunization prior to the departure date.
If you do show symptoms or complications prior to the departure date and medical evidence suggests a reasonable expectation that treatment or hospitalization could be required while travelling, coverage may not be available. |
The Canadian government is requiring that all Canadians re-entering the country must provide a COVID-19 negative test result 72 hours prior. Am I covered for any expenses related to the test?
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No, coverage is not available for expenses related to a COVID-19 test as it’s not being taken as a result of a medical emergency. |
Does my policy provide coverage for the costs related to the new requirements to quarantine due to COVID-19 when I return to Canada?
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No, coverage is not available for expenses related to COVID-19 quarantine requirements upon returning to Canada. While our travel insurance policies now include emergency medical coverage for COVID-19, our policies do not cover a trip interruption or delay (such as requirements to quarantine, etc.) if it’s related to COVID-19, because the travel advisory for COVID-19 was in effect before you departed and/or all Trip Cancellations, Trip Interruptions and Delays related directly or indirectly to COVID-19 are excluded. |