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Do you need COVID-19 insurance for trips outside the province? – National
The news that some insurers have begun offering Canadian travelers specialized COVID-19 coverage may raise eyebrows. Above all, there is currently a Level 3 travel advisor telling Canadians to avoid all non-essential travel abroad.
But could it be a good idea to buy that kind of coverage even if you are traveling outside the province within Canada?
Provincial health insurance may, after all, not cover all the medical expenses associated with a health emergency. Interregional transfer payments will take care of hospital bills.
But ancillary services like a wheelchair, teeth and some medicine are excluded, notes Chris Davidge of Medipac Travel Insurance, which focuses on providing travel coverage for Canadian snowbirds and has added to its COVID-19 related policies.
One of the biggest risks in terms of out-of-pocket costs is the need for an ambulance while traveling outside your province, he says.
“It can be affordable and hundreds of dollars,” says Davidge. “But if an air ambulance is involved in your rescue and delivery, it could be tens of thousands of dollars.”
With COVID-19, one of the biggest costs may come from the need to get your immediate family to your destination if you end up in the hospital because of the virus while out of the province, according to Davidge.
READ MORE: Do you think you do not need insurance when traveling to Canada? Think again
Medipac COVID-19 coverage extends to both international and overseas travel.
Trois-Rivires, based in Que Tur + Med offers the opportunity to purchase additional COVID-19-related emergency coverage for both out-of-province and out-of-country travel.
Manulife says on its website the COVID-19 Pandemic Travel Plan will be available to Canadians traveling abroad in October. The company did not specifically mention trips outside the province and declined a request for comment from Global News.
But Justin Thouin, CEO and co-founder of Lower prices.ca, a financial product comparison page, says there should be no need to purchase special COVID-19 coverage for trips within Canada.
In general,Travel insurance will cover you if the Canadian government has not issued a Level 3 or Level 4 warning (avoid all travel) for your destination.
Whether it is the Ebola virus or the civil unrest associated with the travel counselor, “no travel insurance policy will cover you for this,” he says.
The COVID-19 special coverage for international travel means the insurance company will extend coverage even if there is a Level 3 alert in effect, he explains.
But there are no domestic travel advisors within Canada, Thouin notes.
READ MORE: This Ontario man was promised a refund then Sunwing changed his policy
However, he adds, consumers should check the wording of your policy and ask questions to your insurance company before assuming you are covered for COVID-19.
At Tour + Med, managing partner Luc Bergeron says an added benefit of buying coverage specifically for COVID-19 is the ability to claim compensation for costs you may incur if you need to quarantine.
The COVID-19 company rider, for example, provides $ 100 a day of mandatory quarantine at the destination after a positive test result, up to $ 500 for groceries or restaurant delivery orders during the self-isolation period and up to $ 100 in total for taxi trips to and from the testing center.
If you are buying insurance specifically for COVID-19, make sure you understand the terms of that coverage, says Anne Marie Thomas of InsuranceHotline.com, which allows Canadians to compare insurance quotes online.
Manulife, for example, covers COVID-19 emergency medical coverage of $ 200,000 per person. In contrast, non-virus-related medical emergencies have a maximum coverage of $ 5 million per person.
READ MORE:COVID-19 Reimburses What You Need to Know About Credit Card Refunds
Thomas recommends that you always have travel insurance coverage when you go out of your province of residence. But, she says, this is especially true in the midst of the pandemic.
Even if you do not experience any COVID-19-related health emergencies, the chances that your flights may be delayed or canceled may be higher due to the current air travel reversal, she says.
Another question to ask your insurance provider is whether you will be eligible for an allowance for expenses incurred if you stay stuck at your destination for a period of time in the event of another blockage, says Thomas.
In the spring, she notes, “our state of emergency came really quickly.”
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© 2020 Global News, a division of Corus Entertainment Inc.
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