Protect one trip with emergency medical coverage that includes COVID-19 expenses

You’re planning to travel outside of Canada and want coverage for emergency medical expenses, including COVID-19 related emergencies and trip interruption coverage.

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Overview

The CoverMe® COVID-19 Pandemic Travel plan covers your COVID-19 related and non-related emergency medical costs with trip interruption coverage.

See the policy for detailed information on benefits, limitations and exclusions.

COVID-19 protection for worldwide travel

  • Up to $1 million for COVID-19 related emergency medical expenses
  • 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 or there’s a travel advisory change issued by the Government of Canada

Apply at any age*

  • Canadian resident
  • Covered by a Canadian provincial or territorial health insurance plan
  • No medical questions (under age 60)
  • Click "View More" to see what conditions make you ineligible for coverage.

* Dependent children must be at least 30 days old.

Ways to save

  • Family coverage – save when two or three generations (under age 60, up to 2 adults) travel together

Cover many emergency medical costs

Health services

  • Hospital and physician services

Transportation

  • Emergency medical return home

Trip Interruption

  • Charges incurred by you for an interruption claim in the event that you are quarantined during your trip

What's excluded?

  • Any expenses related to cruise travel
  • Any pre-existing medical conditions if not stable for three months (rate category A) or six months (rate category B and C) before the effective date of your insurance
  • Your heart condition if any heart condition was not stable or required any form of nitroglycerine for the relief of angina pain during the stability period for your rate category
  • Your lung condition if any lung condition was not stable or required treatment with oxygen or Prednisone during the stability period for your rate category

Carry your policy everywhere you travel

Keep your policy and wallet card safe, and take them with you everywhere you go on your trip. Your wallet card has contact information for our Assistance Centre, available 24/7, if you need to access your benefits while you're away. In addition, get the TravelAid mobile app, which can provide directions to the nearest medical facility and local emergency telephone numbers.

You must contact the Assistance Centre before you receive any treatment while on your trip. If you don't, you will have to pay 20% of the medical expenses that would normally be covered under this policy, and some benefits may be limited or not covered.

Does this policy seem like a good match for your needs?

These plans may also work well for you

Single-Trip All-Inclusive Plan

Get the same emergency medical benefits plus:

  • Trip cancellation and trip interruption
  • Baggage loss, damage or delay
  • Flight accident and travel accident insurance

Trip Cancellation and Trip Interruption Plan

  • Add protection in case you have to cancel or interrupt your trip for medical or other reasons.

Multi-Trip Emergency Medical Plan

Get only emergency medical benefits, without  trip cancellation, interruption, baggage and travel accident insurance.

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Top 5 questions about travel insurance


When you travel outside your home province or territory, even if you're still in Canada, there are limits on how much your government health insurance plan will pay. Costs that may not be covered include air and ground ambulance, emergency dental treatment and prescription drug expenses. Travel insurance can help with these costs, so it makes sense to have it whether you're visiting another part of Canada or another part of the world.


We can top up travel insurance offered by another insurer, adding extra days to your current coverage. You are responsible for ensuring that your current coverage is in force and allows top-ups. Your top-up coverage is subject to CoverMe® Travel Insurance's terms and conditions.


For single-trip plans, you can add extra days of coverage while you're travelling provided that there has been:

  • No event that has resulted or may result in a claim against the policy, and
  • No change in your health status

You must call 1-877-268-3763 before your coverage expires and pay the appropriate premium.

For multi-trip plans, it's best to add extra days of coverage before you leave home. Simply get a top-up up to the maximum allowed by your government health insurance plan. If you need to add extra days of coverage while you're travelling, call 1-877-268-3763 and we will do our best to help you.


A dependent grandchild meets our definition of  "child." To be covered, your grandchild must be named on your confirmation and be travelling with you. Keep in mind that all travellers covered under a family travel insurance plan must be under age 60.


All our travel insurance plans for travelling Canadians start with a $0 deductible. You can save money with a higher deductible on our Single-Trip Emergency Medical Plan and Multi-Trip Emergency Medical Plan (these deductibles apply only to emergency medical coverage. COVID-19 Pandemic Travel plan not included):

  • $500 deductible – save 10%
  • $1,000 deductible – save 15%
  • $5,000 deductible – save 30%
  • $10,000 deductible – save 35%
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