OUR INSURANCE PRODUCTS

Travel

Yes, travel is back, but we’re still dealing with a global pandemic. We urge you to stay vigilant and do your due diligence. Before you travel, check the COVID-19 status of the country you’re visiting and your destination as it can change quickly, and review current advisories posted on these pages.

TRAVEL INSURANCE

COVID-19 related expense coverage

The government has lifted Level 3 Advisories to avoid non-essential travel to many international countries. As a result, we’re experiencing high call volumes. We apologize for any delay you may encounter.

PLEASE BE ADVISED: If you’re fully vaccinated and travelling to countries with a Level 1 or 2 Travel Advisory, our Single & Multi-Trip Emergency Medical Plans cover your expenses related to COVID-19 up to $10 million Canadian. Our plans will also cover COVID-19 related expenses for in-Canada travel.

Exclusions for COVID-19 related expenses remain in place for travel to countries still with a Canadian Government Level 3 Advisory to avoid non-essential travel. And where COVID-19 is a factor, there are also exclusions in place for Trip Cancellation & Interruption Insurance policies.

To help keep you aware of your risks, we’ve posted the government’s latest Global Travel Advisories.

If you plan to travel to a country with a Level 3 Advisory or you have underlying medical issues, speak with our licensed experts about the coverage options for COVID-19 related expenses listed below.

NOTE: Optional coverage for COVID-19 related expenses can only be purchased by telephone. Call us toll-free 1.866.566.1461 Monday to Friday 8:30am to 8:00pm or Saturday 9:00am to 5:00pm EST for details.

Optional COVID-19 coverage add-on
for Travel Choice 2 Medically Underwritten Plans

If fully vaccinated you can choose to add coverage for expenses related to COVID-19 to your Travel Choice 2 Medically Underwritten Single-Trip Emergency Medical Plan at no extra cost.

COVERAGE DETAILS

Emergency Medical Coverage for COVID-19 and related conditions after a positive test result at your destination including return home by emergency air transport.

  • If you are fully vaccinated you will receive $10,000,000 CDN coverage for any COVID-19 related medical expenses.

SAMPLE POLICY WORDINGS

Optional COVID-19 coverage rider
for single-trip and multi-trip plans

Single-Trip and Multi-Trip Emergency Medical Plan policyholders have the option to purchase a rider that will provide coverage for expenses related to COVID-19.

COVERAGE DETAILS

Emergency Medical Coverage for COVID-19 and related conditions after a positive test result while at your destination including return home by emergency air transport.

  • If you are vaccinated you will receive $10,000,000 CDN coverage for any COVID-19 related medical expenses.
  • If not vaccinated you will receive $1,000,000 CDN coverage for any COVID-19 related medical expenses, regardless of the Level 3 Travel Advisory in place.

SAMPLE POLICY WORDINGS

Specialized COVID-19
Pandemic Travel Plan

Travellers who are fully vaccinated can have enhanced coverage for COVID-19 related expenses if travelling to countries with a Government of Canada Level 3 Travel Advisory related to COVID-19.

COVERAGE DETAILS

Emergency Medical Coverage for COVID-19 and related conditions after a positive test result while at your destination including return home by emergency air transport.

Up to a combined maximum of $5,000,000 CDN on a land or cruise vacation:

  • for covered expenses unrelated to COVID-19
  • for covered expenses related to COVID-19 if insured has been fully vaccinated

Up to $1,000,000 CDN on a land vacation:

  • for covered expenses related to COVID-19 if traveller has not been fully vaccinated

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

  • Up to $200 CDN per insured person per day for your additional and unplanned commercial hotel and meal expenses to a maximum of $2,800 CDN. Family coverage maximum is $400 CDN per insured family per day to a maximum of $5,600 CDN.

SAMPLE POLICY WORDINGS

TRAVEL INSURANCE

If you’re ready to travel, start with the right protection

Click or call for your no-obligation quotation. Our licensed experts are here to answer your questions, explain your options, recommend the right coverage for your needs based on your health and travel plans, and even help with your medical declarations: 1.866.566.1461.

Program Partner: Manulife

Underwritten by The Manufacturers Life Insurance Company and First North American Insurance Company, a wholly owned subsidiary of Manulife, PO Box 670, Stn. Waterloo, Waterloo, ON N2J 4B8.

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