Coverage for COVID-19 Related Expenses
Options Available from The McLennan Group Travel Insurance
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.
If it’s time to travel out-of-country now, your coverage options for COVID-19 expenses include:
NEW: 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 while at your destination including return home by emergency air transport. |
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| DOWNLOAD: SAMPLE TC2 COVID-19 COVERAGE POLICY WORDINGS | |
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ENGLISH: COVID-19 Coverage Add-On | FRENCH: COVID-19 Coverage Add-On |
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| PLEASE NOTE: OUR OPTIONAL COVID-19 COVERAGE CAN ONLY BE PURCHASED BY TELEPHONE | |
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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 8:00pm EST. |
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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. |
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| DOWNLOAD: SAMPLE COVID-19 RIDER POLICY WORDINGS | |
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ENGLISH: COVID-19 Coverage Add-On | FRENCH: COVID-19 Coverage Add-On |
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| PLEASE NOTE: OUR OPTIONAL COVID-19 COVERAGE ADD-ON CAN ONLY BE PURCHASED BY TELEPHONE | |
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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 8:00pm EST. |
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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:
Up to $1,000,000 CDN on a land vacation:
There is no COVID-19 coverage on a cruise vacation if the Government of Canada Level 4 Travel Advisory is in place. |
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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). |
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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 | |
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ENGLISH: COVID-19 Pandemic Travel Plan | Individual Medical Underwriting |
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| PLEASE NOTE: OUR COVID-19 PANDEMIC TRAVEL PLAN CAN ONLY BE PURCHASED BY TELEPHONE | |
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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 8:00pm EST. |
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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.
How COVID-19 Affects our Current Travel Choice 2 Single-Trip and Multi-Trip Emergency Medical Plans
$10 million coverage when travel advisories are lifted
Our Travel Choice 2 Single-Trip and Multi-Trip Emergency Medical Plans do cover expenses related to COVID-19 for in-Canada travel. And while you can buy emergency medical coverage for out-of-country travel, due to the Government of Canada Level 3 Travel Advisory to Avoid Non-Essential Travel to ALL international destinations, currently there are exclusions in place for expenses related to COVID-19. There are also exclusions in place for all Trip Cancellation & Interruption Insurance policies, whether you're travelling in Canada or to an international destination.
When the Government’s Travel Advisories are lifted, COVID-19 related expenses WILL be covered by our Travel Choice 2 out-of-country emergency medical policies up to a maximum of $10 million CDN.
NOTE: the current rates for our Travel Choice 2 Single-Trip and Multi-Trip Emergency Medical Plans are in effect at least until October 30, 2021 so you can wait and buy when you’re comfortable to travel. After you buy, there’s no penalty if you change your travel dates prior to departure.
Travelling during the pandemic? Do your due diligence!
We know that because the government’s Level 3 Advisory is not a travel ban, some Canadians will choose to travel abroad. If you plan to travel out-of-country, please read the government advisories so you know the risks. For example, even with insurance coverage for COVID-19 related expenses, it could be difficult to access vital medical services outside of Canada during the pandemic. 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.