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You can now be covered for medical costs if you’re infected by the COVID-19 virus while travelling. Coverage for COVID-19 related medical expenses is currently offered by several insurance providers for those travelling out-of-province or internationally.
Though coverage types and amounts may vary by insurance provider, the following list identifies COVID-19 protections that may be offered as part of, or as an add-on for, emergency medical travel insurance:
Whether you're an occasional traveller going on a well-deserved vacation, frequent flyer, or a snowbird going away for the winter, all it takes is a few minutes to get travel insurance quotes from many of Canada's leading travel insurance companies and purchase your policy.
Travel insurance is the easiest thing to pack and also the most important. It's there to protect you while on vacation. Imagine not having travel insurance and falling ill or breaking a bone while on your dream vacation. Throw in the costly medical bills and you have yourself a traveller's worst nightmare. The best way to prevent this nightmare from occurring, is to pack travel insurance.
Whether you're travelling by plane, train or automobile, whether it's a day trip, weekend getaway or week-long vacation, travel insurance is a must. The length of your trip does not decrease the chance of something going wrong and neither does the destination. If you're going somewhere tropical, on a European excursion, or cross-border shopping for the day, travel insurance should be going with you. Even if you're travelling out of province but within Canada it's worth it because your provincial health insurance plan coverage may be limited. Things like ambulance services and prescription drugs may not be covered and you could end up paying out of pocket for some of the services you need.
What's great about travel insurance is that it's not a one-size-fits-all type of coverage. Every type of travel insurance policy comes with different coverage options and benefits. This means you're able to purchase only the coverage you need.
Travel insurance type | What it covers |
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Single Trip Emergency Medical Travel Insurance / Single Trip Travel Insurance |
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Annual Emergency Medical Travel Insurance / Multi-Trip Travel Insurance |
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Trip Cancellation and Trip Interruption Insurance |
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Top-up Travel Insurance |
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All-Inclusive Travel Insurance |
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Coronavirus is an unprecedented international pandemic. Here’s how it might affect your travel plans, and your travel insurance coverage.
Certain travel insurance plans can provide you with comprehensive COVID-19 (coronavirus) coverage. While comparing travel insurance plans, look for the most comprehensive COVID-19 coverage to give you the peace of mind you're looking for when travelling.
Compare the best COVID-19 travel insurance plans on RATESDOTCA.
If you purchased trip cancellation insurance, you might be covered if you decide to cancel your trip depending on when you purchased your policy. Many travel insurance providers are now excluding COVID-19 related cancellations for coverage purchased after a certain date. Each provider is different, so check your policy to find out if you can cancel your trip for this reason. It might not be too late.
If you’re worried about coronavirus and you’re currently making travel plans, consider purchasing trip cancellation coverage or a comprehensive COVID-19 travel insurance plan to keep you covered incase you get infected with the coronavirus while abroad.
Many credit cards offer travel insurance, but not all credit card travel insurance is created equally. You’re going to want to ask a couple of questions first:
Credit cards require you to have booked the trip on that card for the travel insurance to be valid. Depending on the credit card, coverage might only apply to you or it may extend to your family, so read the fine print to find out for sure. If it only includes you, you will likely want to purchase additional travel insurance for your family.
Credit cards rarely cover trip interruption or trip cancellation insurance, so you will likely have to purchase that coverage separately.
If you have emergency medical travel insurance under your employee benefits, you might be covered.
Similar to credit cards, double check your policy to see if coverage applies to just you, or if it extends to your entire family. Many people opt to purchase additional travel insurance coverage when their employee benefits aren’t enough. As with credit card coverage, it’s unlikely trip cancellation is covered. If you want that type of coverage, you will have to purchase it separately.
Advisories are updated daily. For the most up to date and accurate information on Canadian travel advisories related to coronavirus, please visit the official Government of Canada website.
Here is a handy checklist you can reference when purchasing travel insurance. It is important to read the fine print and understand the policy and ask (a lot of) questions if you have any doubts. With travel insurance, it’s better to assume nothing, and ask those hard questions. Creating a travel insurance checklist should be your top priority.
If you are travelling between provinces within Canada it is still be worth investing in travel insurance as not all incurred medical expenses are totally covered by your provincial health insurance when you’re out of the province.
Each province has a different system and the costs vary by province. Some of the expenses that are not covered by the Ontario Health Insurance Plan (OHIP), for example, include:
Relying on just provincial health insurance coverage could cost you hundreds of dollars out of pocket for these services, leaving you with potentially huge financial repercussions.
You should start looking into senior travel insurance when you hit the age of 65.
Aging is a fact of life. But that shouldn’t hinder your travel plans. You will need to be prudent about taking care of yourself and making sure you have the right travel insurance.
When looking for senior travel insurance, you should be honest about your health and what conditions you may or may not have. Having that extra insurance may be the difference between reimbursement for unforeseen medical issues and not.
You should also look at how you want to travel. Are you taking long or short trips? Are you visiting places where you are prone to get sick or take risks? These are important issues that can help you determine when to consider senior travel insurance.
Keep in mind that the older you are, the more of a risk you are to insurance companies. You may feel fine and be able to undertake travel, but your age can play a factor in insurance costs.
If you’re one of the many Canadians who travel south for the winter, you will need travel medical insurance. Also known as snowbird medical insurance, these policies are available to Canadians who choose to live in warmer climates during the colder months of the year and may need a wider medical coverage while they're away.
Your Canadian provincial health insurance coverage is not valid outside the country. Any emergency medical services you may need will not be covered. Healthcare in the U.S. is really expensive too, so make sure to compare travel insurance and find the best seniors travel medical insurance for snowbirds today.
As a snowbird, you can look for travel insurance policies and choose what suits you best: single trip travel insurance, multi-trip emergency medical insurance, or all-inclusive travel insurance policy (which provides the most comprehensive coverage). Some insurance companies may require you to complete a medical questionnaire to better determine your rates and premiums.
It is better to purchase travel insurance before your departure, as doing so will ensure you have coverage from the beginning to the end of your trip.
However, if you do end up needing to buy, or add, coverage after you’ve already departed, you can still do so. Just note that not all companies allow it. Some only allow extensions of coverage that you already have. Others allow you to purchase medical coverage if you are abroad but may require you to wait up to 48 hours before the policy becomes active.
Always do your best to purchase travel insurance before leaving the country – otherwise, you may not get the coverage you need.
Absolutely! Travel insurance protects you from travel related expenses that may occur due to unexpected trip cancellations or delays, theft, medical emergencies and accidents, all of which, can leave you with a hefty bill. Travel insurance is a small price to pay compared to the potentially huge medical costs typical of other countries.
If you have a pre-existing health condition, you can still find travel insurance coverage, it just might cost you a little more. The cost and coverage depends on the type of pre-existing medical condition you have, how long it has been stable for, and how long it has been since your diagnosis, among other factors. If you have a medical condition that makes you high risk, you could see higher premiums.
Insurance companies have a period of stability which varies from policy to policy (from 7 days to as long as 180), which requires your condition to have been stable for this period of time. Some medical conditions like a terminal illness may not be covered even if your conditions have been stable.
When you compare travel insurance plans on RATESDOTCA, you will be able to check out the pre-existing stability periods that different policies offer. If you have a pre-existing medical condition, make sure you mention it when you apply for travel insurance to ensure you’re covered. If the insurer finds out after the fact, they may deny your coverage. Check out our tips on how to get the right travel insurance, even with a pre-existing condition.
Yes, there is a difference between travel medical and trip insurance. Travel medical insurance covers medical emergencies and emergency evacuations, while trip interruption insurance provides coverage for inconveniences such as trip interruption, delays, accommodation problems and baggage issues.
Provincial and territorial health plans can offer some healthcare coverage while you are away but usually it will only be a small portion of your needs. Also, bills are never paid upfront. That comes out of your pocket first, and only then can you submit receipts for reimbursement.
Another potential problem to consider is some foreign hospitals will not treat you if you don’t have the right amount of insurance to pay your bills upfront. That’s why it’s so important to understand the reasons you’ll need travel insurance in the first place.
RATESDOTCA makes it easy to find the cheapest rates on travel insurance in just minutes.
This is a common question, and travellers are often confused about whether your personal property is covered with your travel insurance policy or not. Here’s the thing: your personal valuables like computer, laptop, camera, phones, etc. are actually covered under your home insurance policy, and not your travel insurance! Your home insurance covers your personal belongings no matter where you are, including when you’re travelling.
However, you may not want to go through your home insurance for personal belongings lost in transit. For loss related to baggage while in transit, you will need to have purchased lost luggage coverage in order to make this claim, which is usually offered as part of a trip interruption policy.
It’s very important to weigh the pros and cons of not getting travel insurance. The right insurance can be the deciding factor in your health and financial security.
The Government of Canada recommends that your travel medical insurance policy cover four important elements:
As with other insurance products, you should compare quotes and ask questions. It is important to read the fine print to verify what the conditions, benefits, and exclusions mean in your insurance policy. If you have questions, don’t hesitate to ask your insurance provider.
Nobody wants to use insurance, but everyone needs it. The risks of not buying protection for things like healthcare or cancellation far outweigh any savings you might get from not buying it all.
The good news is that you don’t have to settle for an expensive plan that covers more than you need. You can comparison shop on sites like RATESDOTCA to find the cheapest quotes for your travel needs. You can even make your purchases online, if you so choose.
Travel insurance is the one item you should never forget to pack.
*Based on the average savings found on RATESDOTCA for emergency medical travel insurance for a single traveller, age 30 with no pre-existing conditions travelling to U.S. for 10 days, as compared with the published rates of three financial institutions for their equivalent insurance. Actual savings vary depending on number of travellers, age, trip duration, medical conditions, and coverage selected. Based on research as of August 2020.
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