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An exclusive and comprehensive protection that’s 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.

The COVID-19 Rider: the assurance of personalized coverage that’s adapted to the current situation!

Does this option meet your needs?

  • You wish to be covered up to $5,000,000 for COVID-19 during your trip.
  • You wish to have access to additional benefits in the event of a positive diagnosis to COVID-19 after your departure.
  • Medical questions could be asked to confirm your eligibility.
“We purchased Tour+Med travel insurance to cover us for spending the winter at our home in Florida. We wanted Covid-19 coverage which our regular insurance company would only provide up to $200,000. We felt very comfortable going with the $5 million offered by Tour+Med.” A.C. et J.C. / Calgary, AB – June 2021

What else do you need to know?

What’s the goal of the COVID-19 Rider exactly?

As mentioned above, there is an exclusion in the policy for destinations for which the government issued an advisory to “avoid non-essential travel” (level 3) or to “avoid all travel” (level 4). When you add the COVID-19 Rider to your Tour+Med policy, you eliminate the pandemic situation pertaining to COVID-19 from the scope of that exclusion, and will be covered up to $5,000,000* in the event of a medical emergency resulting from a positive diagnosis while on your trip. (Coverage includes costs of hospitalization, treatments, and repatriation, if necessary.) *Subject to the other terms, conditions and exclusions of the policy.

The COVID-19 Rider allows you to enjoy peace of mind when travelling since it prevents you from having to return within 10 days if a level 3 or 4 advisory (pertaining to COVID-19) is issued for your destination after your departure. (See exclusion 19f in the policy.)

Additional benefits

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 we:

  • After presentation of receipts, will reimburse up to $50 per day of quarantine, subject to a maximum of CAN $700, for perishable goods (groceries, restaurant orders) delivered during your quarantine at destination;
  • After presentation of receipts, will reimburse up to CAN $100 for the sum of your taxi runs to and from a COVID-19 testing centre;
  • Will provide access to virtual consultations with a physician (service only offered in the United States);

Take note that the rider does not reimburse expenses associated with a preventive screening test, including mandatory testing required to return to your province of residence. However, should you test positive to COVID-19 during such test, we will refund the amount you paid for the test.

**Conditions apply. See the COVID-19 Rider for details. These benefits do not apply in the event of a serologic test that provided a positive result to COVID-19 antibodies. Reimbursement of these benefits will occur after your return to your province of residence, upon presentation of proof of a positive diagnosis to COVID-19 (confirmed by a physician), and upon presentation of the required receipts and proofs of payment. These benefits are payable only once during the Policy Period.

Automatic extension

In the event that you receive a first positive diagnosis of COVID-19 (confirmed by a physician) during your trip and that your legally-imposed quarantine period exceeds your expiration date, we will automatically extend the policy period (and the rider), at no extra charge, up to 72 hours following the end of your legally-imposed quarantine, subject to a maximum automatic extension of 17 days.

The automatic extension is not offered in the event of a serologic test that provided a positive result to COVID-19 antibodies.

FAQs from travellers just like you

Is the COVID-19 Rider still relevant now that the global advisory to avoid non-essential travel has been lifted?

Absolutely!  Now that the advisory has been lifted, COVID-19 is covered* by the travel medical insurance. However, without the COVID-19 Rider, you would not be eligible for additional benefits in the event of a positive diagnosis while on your trip. Moreover, if a travel advisory is issued for your destination after your departure, the exclusion pertaining to travel advisories would become applicable during your trip and COVID-19 would no longer be covered.

 

The COVID-19 Rider provides peace of mind when travelling, confirming that COVID-19 will be covered* up to $5,000,000, no matter if an advisory is issued prior to your departure or during your trip, and giving you access to additional benefits if you test positive during your trip.

 

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

Can I add the COVID-19 Rider to my existing policy?

If your existing policy is a Tour+Med policy, if you have not left already, and if the COVID-19 Rider is available for your destination, yes, we can certainly add it.

But if you are covered by another insurer, we cannot add the COVID-19 Rider to your protection. The COVID-19 Rider is exclusive to Tour+Med products and must be added to your coverage before your departure date.

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.

You could be interested by these other options

COVID-19 Rider

Coverage up to $5,000,000 in the event of a positive diagnosis, and additional benefits if you need to quarantine (without hospitalization).
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Deductibles offering a discount on your premium

Traditional or Hospital-Care, you will save from 5% to 35%.
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Reduced Stability Period

30 days before your departure rather than 3/6 months for pre-existing medical conditions. Coverage up to $5,000,000.
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Optional Exclusion

Reduced premium in return for an exclusion on a given body system or organ.
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25% Deposit Option

You pay 25% of the premium at the time of purchase. Balance is payable up to 2 weeks before your departure.
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Save with our appealing discounts

Loyalty discount

Save 2% to 5%, to thank you for choosing us year after year. It pays to be loyal!
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2 Travellers discount

Discount of 5% when 2 people travel together and are covered on the same policy.
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Early Bird discount

Save up to 5%. For a limited time only.
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Combined Protection

Save 5% when you purchase travel medical insurance and Trip Cancellation & Interruption insurance simultaneously.
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Intrigued by this option?

Contact your broker, ask for a quote 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.)