Buy Travel Insurance: How to Prepare for your Trip Against COVID-19
We have all developed a little bit of cabin fever for the last two years, so it’s time to get out and explore! Here’s what you need to know about the changes to travel insurance when it comes to COVID-19:
Let us start with the singularly important fact: you do not need to be vaccinated to qualify for travel insurance. The vaccine doesn’t impact your coverage or prevent you from purchasing it.
COVID-19 = Pre-existing Condition
Why does this matter? Well, our travel insurance plans cover pre-existing conditions. Post-pandemic coverage for COVID-19 has been added to your government health plan and medical emergency travel insurance list. However, keep in mind that there is a ‘stability period’ requirement when it comes to pre-existing conditions. The duration of this period varies between companies. Don’t worry; your advisor will ask you about this before purchasing insurance to make sure you qualify.
Our SK health plan is great, but it’s not perfect. Even if you are travelling inside Canada, certain expenses will not be covered by the government plan. Emergency Medical can help with extra costs if you need an ambulance, prescriptions, medical treatments, etc.
Some countries may still have travel advisories or may in the future if they have another outbreak. If there is a travel advisory to your travel destination, your travel insurance coverage will not respond if you go. Make sure you check the travel advisories before your trip to see if your goal may be at risk.
Trip Cancellation & Trip Interruption Coverage
If your next big adventure destination has a travel advisory or you contract COVID-19 and need to isolate, you want Trip Cancellation Coverage. If you are on vacation and have to leave early because of a medical condition related to COVID-19, you want Trip-Interruption. These coverages will help cover unused prepaid travel expenses. It reimburses expenses, like the cost of your flight, if you need to cancel your trip unexpectedly due to getting COVID-19. But you have to purchase this coverage BEFORE:
- The unexpected reason for the cancellation occurs
- You leave for the trip
Depending on the method of travel, there are likely additional measures in place to help prevent the spread of any diseases. For travel within Canada, check the guide and mandates for travellers to prepare to get to the airport or border crossing.
Getting the Best Plan
Here are some questions to ask your travel insurance provider for the insurance before purchasing your insurance. If you already have coverage in place, make sure you have your current plan on hand when you speak to an advisor. Asking questions will ensure you have the proper protection and let you know if you need a little top-up.
- What does my plan cover, and what are the benefit maximums?
- Does the plan cover me if I contract COVID-19 while travelling?
- What are the exclusions and limitations of the COVID-19 Rider?
- Does the plan provide coverage for an automatic extension if hospitalized beyond the return date?
Give yourself peace of mind knowing that your insurance plan will respond if something were to happen that was COVID-19 related. Happy travels!
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