COVID-19 Rider
Confirmation, written black on white, that you will be covered until the end of your trip even if a travel advisory pertaining to Covid-19 is issued for your destination.
Simply reassuring.
There is no travel advisory pertaining to Covid-19 at the moment, and the World Health Organization (WHO) no longer considers it a pandemic.
But the virus has not completely vanished and nobody knows what the future holds. Should a travel advisory of level 3 (“avoid non-essential travel”) or level 4 (“avoid all travel”) be issued for your destination because of Covid-19, it would be very reassuring to know you could stay until the end of your scheduled trip, and that you would be covered for the condition the whole time.
Does this option meet your needs?
- You wish to be covered up to $5,000,000 for Covid-19 during your trip, no matter if a travel advisory is issued for your destination before or after your departure.
“We purchased a Tour+Med policy to be covered during our trip to Florida last winter. We wanted coverage of Covid-19. Our usual insurer provided coverage, but only up to $200,000. We were much more comfortable with Tour+Med's protection of $5,000,000."
Covid-19 Rider
(on travel medical insurance)
Without the rider, your travel medical insurance has an exclusion if you visit a destination for which an advisory to “avoid non-essential travel” (Level 3) or to “avoid all travel” (Level 4) has been issued by the Government of Canada, whether before or after your departure (see exclusion 19f in the policy).
With the rider, you eliminate the pandemic situation pertaining to Covid-19 from the scope of that exclusion.
In other words, you can enjoy your trip and peace of mind, no matter if an advisory pertaining to the pandemic is issued for your destination before your departure, or even increased to a higher risk level after your departure.
(Conditions apply. The rider is exclusive to Tour+Med. It cannot be added to group travel insurance nor to coverage you could have through another insurance company.)
What else should you know?
What’s the use of the Covid-19 Rider?
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.
*Coverage is subject to the other conditions and limitations of the policy.
Automatic extension (if you test positive while on your trip)
In the event that you receive a first positive diagnosis of Covid-19 (confirmed by a physician) during your trip and that you must legally proceed to an imposed quarantine at destination, your medical insurance and the rider will automatically be extended, at no cost, up to a maximum of 14 days.
(Note that the rider does not reimburse expenses associated with a preventive screening test, including tests potentially mandatory to return to your province of residence.)
FAQs from travellers just like you
Is the Covid-19 Rider relevant now that it's not longer a pandemic?
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.
*Coverage is subject to the other conditions and limitations of the policy.
Can I add the Covid-19 Rider to my existing 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.
How much does the Covid-19 Rider cost?
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.
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.
You could be interested by these other options
Optional Exclusion
Reduced premium in return for an exclusion on a given body system or organ.
25% Deposit Option
You pay 25% of the premium at the time of purchase. Balance is payable up to 2 weeks before your departure.
Deductibles offering a discount on your premium
Traditional or Hospital-Care, you will save from 5% to 35%.
Reduced Stability Period
30 days before your departure rather than 3/6 months for pre-existing medical conditions. Coverage up to $5,000,000.
Get a quote
Contact your broker, get a quote online, or speak with one of our sales representatives.
(Some of the options may not be available on our online quoting tool. Speak with your representative if necessary.)
