Coverage for COVID-19 Related Expenses

Options Available from Travel Insurance for CARP Members

Health guidelines and worldwide travel restrictions related to COVID-19 are constantly changing. But when you choose to travel, be assured that we’ll be here for your protection.

Thinking about a Travel Choice 2 Single or Multi-Trip Emergency Medical Plan? You’ll be covered for COVID-19 related expenses for in-Canada travel. But there are currently exclusions for COVID-19 related expenses for out-of-country travel due to the Canadian Government’s Level 3 Advisory to avoid non-essential travel to all international destinations. There are also exclusions in place for all Trip Cancellation & Interruption Insurance policies.

When the Government of Canada Level 3 Advisories are lifted, COVID-19 related expenses WILL be covered by our Travel Choice 2 out-of-country emergency medical insurance policies to a maximum of $10 million CDN.

But if you’re ready to travel out-of-country now, your coverage options for COVID-19 expenses include:

GOVERNMENT OF CANADA UPDATES:

Travel Advisories
READ MORE »
COVID-19: Safety and security outside Canada
READ MORE »

Added COVID-19 Coverage for Travel Choice 2 Medically Underwritten Plans

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 EST, and Saturday 9:00am to 5:00pm EST.

Optional COVID-19 Coverage Add-On for Travel Choice 1 Plans

Travel Choice 1 Single-Trip and Multi-Trip Emergency Medical Plan policyholders now 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 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.
  • There is no COVID-19 coverage on a cruise vacation if the Government of Canada Level 4 Travel Advisory is in place.
DOWNLOAD: SAMPLE TC1 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 EST, and Saturday 9:00am to 5:00pm EST.

Specialized COVID-19 Pandemic Travel Plan

Travellers who are fully vaccinated now have enhanced coverage for COVID-19 related expenses on out-of-country travel, including to countries with a Government of Canada Level 3 Travel Advisory related to COVID-19, and cruise vacations when the Level 4 Travel Advisory has been removed. 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

There is no COVID-19 coverage on a cruise vacation if the Government of Canada Level 4 Travel Advisory is in place.

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

Up to $150 CDN per day to a maximum of $2,100 CDN per person, or $300 CDN per day up to $4,200 CDN per family (to a maximum of 14 days).

Expenses to return home if quarantined or self-isolated beyond original return date.

Up to $500 CDN for the cost of a one-way economy class airfare 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 EST, and 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.