COVID-19 Pandemic Travel Plan

Health services

  • Hospital and physician services
  • Paramedical services
  • Emergency dental treatment
  • Hospital allowance


  • Ambulance
  • Emergency medical return home
  • Visit to bedside if travelling alone
  • Return home of children in care of insured, travel companion, pet, vehicle
  • Return of excess baggage

Additional protection

  • Extra meal, hotel, childcare and phone call costs
  • Expenses related to death
  • Terrorism coverage*

Note: You are eligible for $5 Million CAD coverage if you have received the full course of immunization for Coronavirus (COVID-19) that is authorized by Health Canada. It must be taken according to manufacturer’s recommendation before your effective date. You must also wait the applicable period of time for it to become fully effective based on the manufacturer's recommendation, or as dictated by the applicable health authority, before your departure date.

Trip Interruption Benefits

  • up to $200 per insured person per day for your additional and unplanned commercial hotel and meal expenses to a maximum of $2,800 if you are unexpectedly required to self-isolate or quarantine. Family coverage maximum is $400 per insured family per day to a maximum of $5,600.

Important information about cruise travel: If you have not received the vaccine, this policy does not provide any coverage for Coronavirus (COVID-19) and related complications on a cruise or at any destination included in your cruise itinerary.

Exception: For children 11 years old or younger who are not eligible to receive the vaccine, Coronavirus (COVID-19) coverage will be provided when travelling with at least one parent or guardian on the same cruise booking who has received the vaccine.

We will not pay any expenses related to the cost of and any expenses for a Coronavirus (COVID-19) test that is mandated by any body with appropriate authority (such as a government or a transportation service) for entry into or exit from a country/jurisdiction or to use its services.

* If the claim is a result of an act of terrorism, benefits may be limited. Other exclusions, limitations and conditions apply. See the policy for details.

To be eligible you must be:

  • Canadian resident
  • Covered by a Canadian provincial or territorial health insurance plan

You are not eligible for this coverage if you:

  • Are travelling against the advice of a physician
  • Have been diagnosed with a terminal illness or metastatic cancer
  • Have a kidney condition requiring dialysis
  • Have been prescribed or used home oxygen in the last 12 months
  • Have had a bone marrow, stem cell or organ transplant (excluding cornea)

* Dependent children must be at least 30 days old.

  • Any pre-existing conditions if not stable for three months (rate category A) or six months (rate category B and C) before the effective date of your insurance
  • Your heart condition if any heart condition was not stable or required any form of nitroglycerine for the relief of angina pain during the stability period for your rate category
  • Your lung condition if any lung condition was not stable or required treatment with oxygen or Prednisone during the stability period for your rate category

Pre-existing condition means a medical condition that existed before your effective date.

Medical condition means sickness, injury, disease or symptom; or complication of pregnancy within the first thirty-one (31) weeks of pregnancy.

Stable medical condition means that all of the following apply:

  • There have not been any new symptom(s); and
  • Existing symptom(s) have not become more frequent or severe; and
  • A physician has not determined that the medical condition has become worse; and
  • No test findings have shown that the medical condition may be getting worse; and
  • A physician has not provided, prescribed or recommended any new medication, or any change in medication; and
  • A physician has not provided, prescribed or recommended any investigative testing, new treatment or any change in treatment; and
  • There has been no admission to a hospital or referral to a specialty clinic or specialist; and
  • A physician has not advised referral to a specialist or further testing, and there has been no testing for which the results have not yet been received.

Change in medication means the medication dosage, frequency or type has been reduced, increased or stopped, and/or new medication(s) has (have) been prescribed. Exceptions: the routine adjustment of Coumadin, Warfarin or insulin (as long as they are not newly prescribed or stopped) and there has been no change in your medical condition; and a change from a brand name medication to a generic brand medication of the same dosage.

Conditions, limitations and exclusions apply. See policy for details