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Travel

Yes, travel is back, but we’re still dealing with a global pandemic. We urge you to stay vigilant and do your due diligence. Before you travel, check the COVID-19 status of the country you’re visiting and your destination as it can change quickly, and review current advisories posted on these pages.

TRAVEL INSURANCE

Know the facts about safe travel

Travelling during COVID-19?

We encourage you to do your due diligence before traveling. Be sure to check the COVID-19 status of the country you plan to visit, and stay informed of the COVID-19 activity at your destination, which can vary significantly and change quickly from one country to another and within regions of the country.

To help you stay informed, Government of Canada Travel Advisories and advice are posted below.

Global Travel

IMPORTANT NOTICE FROM THE GOVERNMENT OF CANADA:

  • If you decide to travel, review the travel health notice for COVID-19 and International Travel.
  • You should complete a COVID-19 vaccine series, along with any additional recommended doses in Canada at least 14 days before travelling.
  • Anyone who has not completed a COVID-19 vaccine series should continue to avoid non-essential travel to all destinations. If you must travel, consider delaying your plans until you’re fully vaccinated.

Travelling To, From, or Within Canada

Travel To / From the United States

General COVID-19 Travel Resources

Make an informed decision on your travel insurance

Outside Canada, coverage provided by provincial health plans for hospital and medical expenses is very limited. Without additional insurance, costs incurred from a medical emergency can be financially devastating.

Travel insurance is designed to pay for unexpected costs that arise while you’re away, such as hospital / medical, trip cancellation and lost baggage. Be aware that not all plans provide all coverage, and you get what you pay for.

If it sounds too good to be true, it probably is. Don’t be fooled by low price. Look at benefits, coverage levels and most importantly, the policy maximums. More important, don’t wait to the last minute to purchase travel insurance. Give yourself time to compare plans.

Be sure that what you’re buying meets your needs

Remember, most claim denials result from customers not understanding what they have purchased, not knowing their own obligations in an emergency, or simply not reading their policy to learn what is and isn’t covered. If in doubt, ask questions BEFORE you buy:

  1. PRE-EXISTING CONDITIONS: What are the restrictions and limitations?
  2. FULL LENGTH OF TRIP: Are you covered for the duration of the trip?
  3. CHANGE OF PLANS: Can coverage be extended after you’ve departed?
  4. RETURN TRIP HOME: Is it paid for in the event of an emergency?
  5. ASSISTANCE SERVICES: What is offered, and how are services accessed?

On your application, honesty is the ONLY policy

You need to answer all questions on your application honestly. Otherwise the policy may be voided, and your claim may be denied.

Our licensed brokers are qualified to assist with your medical declaration. They will work with you to help ensure that you understand all medical questions. But if you’re unsure of the meaning of any questions on the application, or are unsure of your medical conditions, our brokers will recommend that you verify your information with your doctor.

What the experts are saying:

Advice from THiA and CLHIA

THiA

The Travel Health Insurance Association of Canada is a national organization of travel insurance providers working together for the protection of the travelling Canadian. Their suggested travel insurance shopping tips include:

  • Don’t buy on price alone. Insurance plans differ. All policies need to fit your health profile.
  • Read your Policy. Discuss it with your advisor. Examine a plan’s exclusions and limitations: what it doesn’t cover, as well as what it does.
  • Many plans cover pre-existing conditions that are stable and controlled, but you have to understand what “stable and controlled” means. If you must complete a medical application, do it completely and accurately and get your doctor’s help if you need to.
  • Don’t wait to the last minute to buy your insurance. If you need to provide medical information you may want to consult your doctor or your pharmacist or a family member who knows about your medical history. Leave time to do this properly.
  • If you buy early for a trip you’re taking later on in the year and your health changes in the interim, notify your insurer immediately.
  • For those with medical conditions, the best way to purchase travel insurance is to deal with a qualified advisor who deals extensively in travel insurance.

Great Resource: Download and read the Travel insurance consumer guide on thiaonline.com.

Read more

CLHIA

The Canadian Life and Health Insurance Association is a voluntary trade association working on behalf of all its member life and health insurers. CLHIA produces a number of publications designed to assist Canadian consumers in making informed decisions.

One such CLHIA publication, A guide to travel health insurance, is intended to help consumers make the most of their travel health insurance coverage. The guide outlines that the expected costs that may arise when traveling can include emergency hospital/medical costs, trip cancellation, lost baggage etc., but points out that not all plans cover all of these components.

Great Resource: Download and read A guide to travel health insurance on clhia.com.

Read more

TRAVEL INSURANCE

If you’re ready to travel, start with the right protection

Click or call for your no-obligation quotation. Our licensed experts are here to answer your questions, explain your options, recommend the right coverage for your needs based on your health and travel plans, and even help with your medical declarations: 1.866.566.1461.

Program Partner: Manulife

Underwritten by The Manufacturers Life Insurance Company and First North American Insurance Company, a wholly owned subsidiary of Manulife, PO Box 670, Stn. Waterloo, Waterloo, ON N2J 4B8.

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