THE McLENNAN GROUP INSURANCE PROGRAMS

Coverage for COVID-19 Related Expenses

Options Available from The McLennan Group Travel Insurance

The government recently lifted the Level 3 Advisories to avoid non-essential travel to many international countries.

For travel to countries at a Level 1 or 2 Advisory, COVID-19 related expenses will be covered by our Travel Choice 2 Single-Trip and Multi-Trip Emergency Medical Plans up to $10 million CDN. Expenses related to COVID-19 are also covered 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.

TRAVEL UPDATES: Click for the Government of Canada’s COVID-19 Travel Advisories.

If you’re planning to travel to a country with a Level 3 Advisory or you have underlying medical issues, we offer multiple coverage options for COVID-19 related expenses, including:

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 1.866.566.1461 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: 1.866.566.1461, Monday to Friday 8:30am to 7:00pm EST.

Optional COVID-19 Coverage Add-On for Single-Trip and Multi-Trip Plans

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 1.866.566.1461 for details.

OPTIONAL COVID-19 RIDER 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.

  • If you are 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: 1.866.566.1461, Monday to Friday 8:30am to 7:00pm 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.

Note: Original Trip and Policy duration must be 31 days or more to qualify for this benefit.

Up to $150 CDN/day to a maximum of $2,100 CDN per person, or $300 CDN/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.

Note: Original Trip and Policy duration must be 31 days or more to qualify for this benefit.

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

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: 1.866.566.1461, Monday to Friday 8:30am to 7:00pm EST.

The McLennan Group Life Insurance Inc. encourages you to follow the recommendations of the Government of Canada and medical professionals around the world during these uncertain times. But if you choose to travel, be assured that your protection will be our first priority.

Travelling during the pandemic?

We know that with the Level 3 Advisories to avoid non-essential travel to many countries being lifted, many Canadians will choose to travel abroad. We urge you to do your due diligence. Check the COVID-19 status of the country you’re planning to visit, and stay informed of 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 in the banner above.

The McLennan Group is working to protect Canadians 50-plus.

Travelling to another Canadian province? You should have travel insurance.

Government health insurance plans do NOT cover all medical expenses you may incur while travelling in Canada. The reciprocal agreement is only equal to the coverage available in your home province or territory. And it differs across Canada.

Some health plans will not cover ambulances, specialists, x-rays, emergency dental or prescription drugs out of your province or territory of residence. And there are exclusions for all non-medical expenses, including travel expenses associated with trip interruption.

While travelling within Canada without insurance is not nearly as financially risky as venturing out-of-country without coverage, incurred costs could still be substantial. Consider that an air ambulance back to your home province can cost as much as $20,000.

Click Here to learn what may or may not be paid for outside your home province or territory.