COVID-19 emergency medical and related expenses are now covered as a benefit under Emergency Medical.
Insurance, if you were to test positive for and are diagnosed with COVID-19 while on your trip.
The COVID-19 benefit is only applicable if you've followed the COVID-19 vaccine protocols outlined by your provincial/territorial Health Authority before leaving on your trip, and:
Have been partially vaccinated, at least 14 days before departure If available to you, you've received or scheduled any subsequent vaccine doses
Note: Coverage is also provided if you aren’t yet eligible for a vaccine due to age.
| Emergency Medical Insurance | |
|---|---|
| Scenario | Coverage? |
| Sickness due to COVID-19—avoid non-essential travel advisory (level 3) in place for the international destination at the time of departure | Yes |
| Sickness due to COVID-19—avoid all travel advisory (level 4) in place for the international destination at the time of departure | No |
| Sickness due to COVID-19—travel advisory (level 3) in place for the international destination at the time of departure and traveller has an active Multi Trip Annual policy | Yes |
| Sickness due to COVID-19—travelling within Canada | No, but covered by provincial healthcare plan for COVID-19 medical care treatment |
| Government-mandated COVID-19 test | No |
| Vaccination during trip | No |
If you’re unvaccinated or have only received your first dose less than 14 days before departure, you can still buy Emergency Medical Insurance, but you'll need to add the COVID-19 Insurance—Unvaccinated plan.
COVID-19 Insurance— Unvaccinated is a separate plan that you can purchase with either Single Trip Worldwide, Single Trip Worldwide Excluding USA, or Multi Trip Annual Worldwide Emergency Medical plans.
Please see the COVID-19 Insurance—Unvaccinated Endorsement in the policy wording, for more information on eligibility and exclusions.
| COVID-19 Insurance—Unvaccinated Plan | |
|---|---|
| Scenario | Coverage? |
| Emergency medical treatment up to $1 million | Yes |
| Ground, air or sea ambulance | Yes |
| Return of travelling companion and dependent children | Yes |
| Repatriation | Yes |
| Quarantine expenses for accommodation and meals | Yes |
| Trip interruption benefit | Yes |
| Government-mandated COVID-19 test | No |
| Vaccination during trip | No |
| Policy | Blue Cross |
|---|---|
| Policy Coverage Limit for Emergency Medical Care | $5,000,000 CAD Includes coverage for medical expenses as a result of a sudden illness or accident (including COVID-19-related care) |
| Refund Policy | Cancel your travel medical policy any time prior to the effectivve date of your policy or your departure and receive a full refund |
| What Else is Included? | Includes Serenity Service if your flight is delayed 3 hours or more, which could give you access to an airport lounge or hotel room* *Registration required at least one hour prior to your scheduled flight departure time |
| Age Limit | None |
| Stability Period Requirements | 3 - 6 Months, depending on age |
| Other Covid-19 Coverage Terms, Limits or Restrictions | General conditions regarding pre-existing medical conditions apply |
| Deductibles | Deductible options available. Please inquire |
| Purchase Methods | Phone: Yes, please call 1-800-387-0339 Monday - Friday: 9:00am - 5:00pm EST Online: Not available at this time |
| Availability | Currently available for residents of Ontario |
| View Full Policy Terms | Blue Cross - Travel Insurance Policy - EN Blue Cross - Top-Up Policy - EN Blue Cross - Top-Up Policy - FR Blue Cross - Travel Insurance Policy - FR |
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