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Travelling during a pandemic has its share of uncertainties! Does your policy cover COVID-19? Up to what extent? Will it have any impact on your coverage if you are vaccinated or not?

Why not take a few minutes to read the following information, gathered here in order to provide answers and help you enjoy peace of mind when travelling. For further information, do not hesitate to contact your representative.

Check out our exclusive COVID-19 indicators

In order to help you gauge the COVID-19 situation at your destination, our actuaries developed the two real-time indicators below. This is not an exact science but rather our reading of the current situation and tendency for a given destination, calculated upon a wide range of historical data. These indicators are at your disposal so you can gauge the situation at various moments prior to your departure, and make a better decision prior to leaving.

The COVID-19 Rider: the assurance of a personalized protection, adapted to the situation

Without the COVID-19 Rider, your medical travel insurance protection has an exclusion in the event of a travel advisory to avoid all travel or avoid non-essential travel being issued by the Canadian Government prior to your departure date or while on your trip. (See exclusion 19f in the policy.)

With the COVID-19 Rider, you eliminate the pandemic situation pertaining to COVID-19 from the scope of the exclusion. Furthermore, adapted and exclusive benefits will be added to your coverage.

(Take note the COVID-19 Rider can only be added to Tour+Med individual protections. It cannot be added to group plans, or individual protections you could hold through other insurers.)

In other words, the Rider*:

  • Provides coverage up to $5,000,000 in the event of a medical Emergency related to a positive diagnosis of COVID-19 (confirmed by a Physician) while on your trip, even if a travel advisory to avoid all travel or avoid non-essential travel (due to the pandemic situation of COVID-19) is in force at the time of your medical Emergency. (Coverage includes costs of hospitalization, treatments and repatriation, if necessary.)
  • Prevents a forced return within 10 days (see exclusion 19f) if a travel advisory to avoid all travel or to avoid non-essential travel (due to the pandemic situation of COVID-19) is issued during your Policy Period.
  • Provides exclusive benefits, adapted to the situation.

*Subject to the other terms, conditions and exclusions of the policy.

FAQs from travellers just like you

How much does the COVID-19 Rider cost?

There is no fixed surcharge for this option. The surcharge is calculated upon a mix of many factors, including your age and answers to the COVID-19 medical questionnaire. Speak with your representative for a quote.


Does the COVID-19 Rider cover variants?

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.