Coverage for COVID-19 Related Expenses

Options Available from Travel Insurance for CARP Members

Travel is Back! As a result, we’re experiencing very high call volumes. We apologize for any delay you may encounter as we take the time to answer your questions and ensure you’re properly protected.

NOTE: If you’re fully vaccinated and travel to countries with a Level 1 or 2 Advisory, our Travel Choice 2 Single and Multi-Trip Emergency Medical Plans cover expenses related to COVID-19 up to $10 million Canadian, and can be purchased online in just minutes. 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.

If you’re planning to travel to a country with a Level 3 Advisory or you have underlying medical issues, speak with our licensed specialists about coverage options for COVID-19 related expenses, including:

GOVERNMENT OF CANADA UPDATES:

While travel is back, we’re still dealing with a global pandemic. We’ll help you stay safe by keeping you informed of your risks and testing requirements.

Added COVID-19 Coverage 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. Please call 1.877.851.4514 for details.

OPTIONAL COVID-19 COVERAGE FOR TC2 SINGLE-TRIP PLANS PLAN LIMITS

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.
DOWNLOAD: SAMPLE TC2 COVID-19 COVERAGE POLICY WORDINGS

ENGLISH: COVID-19 Coverage Add-On  |  FRENCH: COVID-19 Coverage Add-On

PLEASE NOTE: OUR OPTIONAL COVID-19 COVERAGE CAN ONLY BE PURCHASED BY TELEPHONE

Our licensed travel insurance specialists can offer a no-obligation quote, explain your options, answer your coverage questions, and help you with your purchase, all by phone in just minutes. Call toll-free: 1.877.851.4514, Monday to Friday 8:30am to 8:00pm, or Saturday 9:00am to 5:00pm EST.

Optional COVID-19 Coverage Add-On for Travel Choice 1 & 2 Single-Trip and Multi-Trip Plans

Travel Choice 1 and Travel Choice 2 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. Please call 1.877.851.4514 for details.

OPTIONAL COVID-19 RIDER COVERAGE FOR TC1 & TC2 PLANS PLAN LIMITS

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.
  • 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.
DOWNLOAD: SAMPLE COVID-19 RIDER POLICY WORDINGS

ENGLISH: COVID-19 Coverage Add-On  |  FRENCH: COVID-19 Coverage Add-On

PLEASE NOTE: OUR OPTIONAL COVID-19 COVERAGE ADD-ON CAN ONLY BE PURCHASED BY TELEPHONE

Our licensed travel insurance specialists can offer a no-obligation quote, explain your options, answer your coverage questions, and help you with your purchase, all by phone in just minutes. Call toll-free: 1.877.851.4514, Monday to Friday 8:30am to 8:00pm, or Saturday 9:00am to 5:00pm EST.

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. Available coverage and policy limits are shown in the chart below, and sample policy wordings are posted below the chart for your review.

COVID-19 PANDEMIC TRAVEL PLAN COVERAGE PLAN LIMITS

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. These benefits are payable if either of the following covered events happen to you:

  • You or your travel companion are denied entry into any destination included in your trip and you are quarantined as requested by a medical professional;
  • Due to a positive Coronavirus (COVID-19) test result or contact tracing in any destination included in your trip, you or your travel companion are required to self-isolate or quarantine as requested by a medical professional, in your destination beyond your original return date.
  • 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.
  • This benefit is only payable to a maximum of fourteen (14) days, if you are delayed beyond your original return date, and/or you must pay for the unexpected costs of your new accommodation and/or meals where you are required to be quarantined.
  • It is your responsibility to find accommodation during your quarantine. If you must be quarantined at a medical facility and medical treatment is not required, we will only pay up to the maximums as noted above.

Expenses to return home in the event you are unexpectedly required to self-isolate, or quarantine as determined by a medical professional after your departure.

  • Up to $500 CDN for your one-way economy class airfare via the most cost-effective itinerary to return you home in the event you are delayed beyond the date you were originally scheduled to return home.
DOWNLOAD: SAMPLE COVID-19 PANDEMIC TRAVEL PLAN POLICY WORDINGS

ENGLISH: COVID-19 Pandemic Travel Plan  |  Individual Medical Underwriting  |  FRENCH: COVID-19 Pandemic Travel Plan  |  Individual Medical Underwriting Available

PLEASE NOTE: OUR COVID-19 PANDEMIC TRAVEL PLAN CAN ONLY BE PURCHASED BY TELEPHONE

Our licensed travel insurance specialists can offer a no-obligation quote, explain your options, answer your coverage questions, and help you with your purchase, all by phone in just minutes. Call toll-free: 1.877.851.4514, Monday to Friday 8:30am to 8:00pm, or Saturday 9:00am to 5:00pm EST.

We welcome travellers who are not yet members of CARP!

A national, non-profit organization, “CARP advocates for better health care and financial security for Canadians as we age and gives its members access to great benefits and discounts”. To learn more about CARP, please click the CARP logo at the top of this page.

As CARP’s recommended and trusted provider since 1993, The McLennan Group Life Insurance Inc. is a 100% Canadian owned, nationally licensed all-lines brokerage. And we’re 50-plus insurance specialists. So even if you’re not a member of CARP, call us at 1.877.851.4514 and we’ll work to offer a coverage solution for your needs.