Frequently asked questions

Absolutely!

Covid-19 is considered just like any other pre-existing medical condition, meaning that it must have been “stable and controlled” (see the definition in the policy) for 3 or 6 months prior to your departure to be covered while on your trip.

However, should an advisory pertaining to Covid-19 be issued for your destination, the condition could be excluded from your coverage. When adding the rider to your travel medical insurance, you will be covered up to $5,000,000, regardless of advisories (pertaining to the Covid-19) that could be issued before or after your departure.

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*Coverage is subject to the other conditions and limitations of the policy.

Offered on Travel Medical Insurance only

Covid-19 is considered just like any other pre-existing medical condition, meaning that it must have been “stable and controlled” (see the definition in the policy) for 3 or 6 months prior to your departure to be covered while on your trip.

Moreover, there is no travel advisory related to Covid-19 at the moment. However, should an advisory pertaining to Covid-19 be issued for your destionation, the condition could be excluded from your coverage (see exclusion 19f in the policy).

- When adding the rider to your travel medical insurance, you will be covered up to $5,000,000, regardless of advisories (pertaining to the pandemic) that could be issued before or after your departure.

- You avoid having to return home in a rush within 10 days from issuance of the advisory since we confirm that you can stay at your destination and will be covered until your return.

(Download the specimen)

*Coverage is subject to the other conditions and limitations of the policy.

It depends on the protection.

If you hold a Tour+Med medical insurance and have not yet left on your trip, yes, we can probably add the rider to your policy. But if you are covered elsewhere or are already on your trip, it will not be possible.

No. The COVID-19 Rider is exclusive to Tour+MED and cannot be added to a policy you have from another insurer. Ask your representative or call Customer Service for a Tour+Med quote.

Yes. The COVID-19 Rider provides coverage up to $5,000,000 in the event of a positive diagnosis to COVID-19 while on your trip, no matter if the positive diagnosis (confirmed by a physician) was due to the original virus or a variant.

There is no fixed surcharge for the rider. The surcharge is calculated upon a mix of many factors. Speak with your representative for a quote.

Regardless of the medical situation, you must always contact Emergency Assistance prior to consultation and treatment. Assistance service is included in your travel medical insurance and its role is to steer you to the appropriate facility, confirm to them that you have coverage, and enforce that only the health care necessary at that moment be given to you. (We remind you that travel medical insurance covers you in the event of a medical emergency. See the definition of "Emergency" in your booklet.)