We want to travel again! First, let’s answer some important questions about COVID-19 Travel Insurance
One of the biggest questions about resuming travel as the pandemic continues is about COVID-19 travel insurance.
After so very long, people are thinking about travelling again – internationally and now, to the United States. And the return to adventures abroad is so exciting! Where will you go – how will you choose? After this much time and, thanks to the pandemic, there are more complications to consider – note the PCR COVID-19 test information in bold below. The bottom line, travel planning in 2021/22 can be overwhelming!
Expect that, when it comes to travel, it’s going to look a lot different than before the pandemic. To ensure that your trip is as safe and stress-free as possible, take the time to research and plan appropriately – know what your destination requires. Before you make definite plans and book your trip, consider the following:
- Are you able to change your booking once you’ve made your plans?
- What is the cancellation policy or if you have to change your plans once you’re away?
- What are the specifics of your travel insurance coverage?
Planning a trip will require a bit more legwork than before COVID-19. Here’s what you should do:
- Check the Government of Canada website and that of your destination to understand any travel limitations, restrictions, or rules.
- What you need for proof of vaccination if any.
- You will need proof of a negative COVID-19 test within 72 hours of your return home to Canada. Check what is required by your destination. Don’t be surprised if you are required to test again upon arrival at your destination.
- Prepare for the unexpected:
- Before you leave, find out your options for where and how to get tested at your destination. Canada requires a PCR test (rather than the faster antigen test required by the USA). A PCR test costs typically start at about $100USD depending on where you are. Resorts often have facilities to provide both tests right there, but the PCR test requires anywhere from 12 to 36 hours to get the results – plan accordingly.
- Create a worst-case scenario plan in case you come down with symptoms, particularly if your destination is not English-speaking and you don’t speak the language.
It’s important to have all the information you need to make informed choices and enjoy peace of mind BEFORE you leave. We want to help you travel safely, whether it’s across the border, across the sea, or across the equator.
To help you make your travel plans, let us answer some important COVID-19 travel insurance questions:
Does my travel insurance cover the cost of a Covid-19 Test for travelling?
Anything that isn’t considered a medical emergency is not covered. That includes taking a COVID-19 test to comply with government requirements for travel.
What do I use to prove my vaccination status if the country to which I’m travelling requires a vaccine passport?
Canada is developing a document that will be recognized internationally. Call your insurance or travel agent or inquire with the local public health authorities in the region in question to confirm their specific entry requirements.
My vaccinations include mixed doses. Will this impact my travel plans?
The terms of vaccine acceptance are ever-changing and can change unexpectedly. But, more countries are accepting mixed dose vaccinations. Be sure to research your destination specifically to ensure they’ll accept your vaccination status. Check with your travel insurance provider, your travel agent, or research your desired destination for confirmation.
Will vaccination status impact my emergency medical coverage for travel?
When it comes to questions of COVID-19 travel insurance, this is one of the most common. Currently, your vaccination status does not affect your eligibility for emergency medical benefits when you travel. But, be sure to review your coverage and what might be subject to standard policy limitations and exclusions (pre-existing condition exclusions, for example.)
What about hospitalization or treatment for COVID-19 while I’m abroad, will I have coverage?
There are no specific exclusions for emergencies related to government travel advisories or COVID-19 outlined in the Travel Emergency Assistance Program. But, be sure to understand that your travel insurance coverage is subject to standard limitations and exclusions (again, preexisting conditions.)
Quarantine and testing:
If I test positive for COVID-19 and have to quarantine while abroad, are my expenses covered?
Travel insurance protects you in the event of a medical emergency – that DOES NOT include quarantine. Any expenses – accommodations, meals, etc. – associated with quarantine will not be covered. Before you leave, be sure you make a plan for where and how to get tested at your destination. NOTE: Canada requires a PCR test (rather than the faster antigen test required by the USA). A PCR test costs typically start at about $100USD depending on where you are. Resorts often have facilities to provide both tests right there, but the PCR test requires anywhere from 12 to 36 hours to get the results – plan accordingly.
When I return to Canada if there is a delay getting my COVID-19 test results, will my expenses be covered while I wait for negative results?
When you have to wait for results, delayed or not, it is NOT a medical emergency. Any associated expenses you incur while you wait for results is NOT covered.
I suffered a heart attack several months back. If I am cleared for travel by my doctor, do I have coverage for emergency medical?
A heart attack is a pre-existing medical condition. However, if the condition has been stable for three months or more prior to your departure date, your emergency medical will cover you.
Learn about travel insurance options
It’s essential to understand your travel insurance options as well as the additional services a policy or provider can offer to help keep you safe as you travel. WE CAN HELP!
Travel Emergency Medical Insurance. The last thing you need is to worry about your insurance – reviewing coverage and concerns about how to make a claim – if you get sick during your travels, particularly if you’re abroad. The time is now, before you leave, to review your insurance policy and understand your coverage. Some policies may include COVID-19 travel insurance coverage, depending on your eligibility and vaccine status. ASK YOUR INSURANCE PROVIDER FOR DETAILS.
Trip Protection Coverage. During times such as these, you want to know that you can cancel or change your travel plans. Trip cancellation and trip interruption coverage can help if you need to change your plans or get home unexpectedly once you’re away. Be sure to familiarize yourself with your coverage details, as many policies still exclude reasons related to COVID-19. You also want to know if there are any additional services your policy or provider offers to help keep you safe.
If you have questions about upcoming travel plans and any concerns regarding COVID-19 travel insurance, CONTACT US!