March Break Travel
The loosening of travel restrictions in Canada is flying in just in time for March Break. For the first time since the pre-pandemic ages, many families are planning on vacationing out of the country.
Effective February 28th, Canada eased entry restrictions for fully vaccinated international travellers. In the wake of declining COVID-19 cases, the government is now allowing a rapid antigen test for travellers instead of a PCR molecular one. Rapid tests may be taken the day before arriving in the country, and PCR tests can be taken 72 hours before a scheduled flight or arrival at the border. In addition, the government has lifted the recommendation against all non-essential travel and is now only urging citizens to take precautions while flying.
For all the reasons mentioned above, many are expecting to see the airports look reminiscent of a pre-pandemic March Break. Amid the excitement of travelling again, many could forget about the importance of travel insurance. In this blog, we cover why you need travel insurance and your insurance options for COVID-19 related claims.
Do I need travel insurance?
Travel insurance allows you to relax on your trip by offering protection against certain financial risks and losses that can occur while travelling. If you are an Ontario resident planning to travel outside the province or out of the country, make sure to pack the right insurance policy before you go.
What does it cover?
- It can financially help with medical emergencies overseas or the cost of other medical treatment that isn’t covered by the provincial health plan.
- If you experience a last-minute trip cancellation or need to return from your trip early, insurance can help with the associated fees.
- Comprehensive policies also include coverage for theft, loss, or damage of your luggage and personal effects in a range of circumstances.
- It is available through Merit for individuals, couples, or families; policies can used for a single trip or annual/multi-trip policies.
Does that include COVID-19 claims?
Traditional travel insurance does not extend to claims caused by COVID-19. However, we offer specific coverage through our partner at Manulife. Although we cannot provide an on-line quote from our website, it is available directly with Manulife at 1-877-251-4532. Although a Manulife rep will be able to discuss all details related to the coverage, here is a brief overview:
- COVID-19 protection for worldwide travel
- Up to $1 million for COVID-19 related emergency medical expenses (up to $5 million if received full course of immunization for COVID-19)
- Up to $5 million for non-COVID-19 related emergency medical benefits
- Covers a wide range of expenses for health services, transportation and more
- Includes interruption coverage in the event you need to be quarantined during your trip
If you have received your full series of COVID-19 vaccines as well as any recommended doses in Canada at least 14 days prior to travel, you will be covered for COVID-19 related medical expenses. Otherwise, you will have to contact Manulife at 1-877-251-4532 to purchase coverage that includes coverage for COVID-19.
We are all excited to see some level of normalcy return when it comes to travel. However, even with the relaxed restrictions, travelling requires a lot of planning and coordination. Don’t be left underinsured and contact the professionals at Merit Insurance today to get you where you need to go.
