Eligibility Requirements

COVID-19 Emergency Medical Waiver

If you do not meet the requirements and conditions listed below your insurance is void and the company’s liability is limited to a refund of the premium paid:

• You must not have a medical condition for which a physician has advised you against travel prior to your effective date.
• You must not have been diagnosed with a terminal sickness prior to your effective date.
• Anyone over 69 years of age on the effective date must not reside in a retirement home, nursing home, assisted living home, convalescent home, hospice or rehabilitation centre that assists you daily with your mobility or medications. Do not include a one-time temporary stay at a rehabilitation centre of no more than 6 weeks during the 12 months prior to your departure date.
• For full emergency medical coverage you must be insured under a valid Canadian federal, provincial or territorial government health insurance plan (GHIP) or Canadian university health insurance plan (UHIP). Otherwise the limit of coverage is $25,000.
• You must be a resident of Canada.
• You must be under 75 years of age on your effective date.
• Available for covered trips of 21 days or less.
• The waiver must be purchased prior to your departure date.
• Any child born during the covered trip is not entitled to coverage under this waiver.

Conditions applicable to this COVID-19 Emergency Medical Coverage Waiver:

1. Coverage under this waiver is limited to $500,000 of eligible Emergency Medical expenses following a positive COVID-19 diagnosis at your
2. Coverage is only available for covered trips of 21 days or less.
3. Coverage is only available if you are age 74 or younger on your departure date.
4. All currency amounts are in Canadian dollars.

Upon payment of the appropriate additional premium for the “COVID-19 Emergency Medical Coverage Waiver” for your entire period of coverage, the following changes are applicable to your policy:

1. The policy exclusion which reads:
   • Events related to “Avoid Non-Essential Travel” and “Avoid All Travel” warnings issued by Global Affairs Canada prior to your effective date that were or continue to be in effect for any country, region or city of destination on your covered trip, as reflected in your travel itinerary.
   • is amended to: Events related to “Avoid All Travel” warnings issued by Global Affairs Canada prior to your effective date that were or continue to be in effect for any country, region or city of destination on your covered trip, as reflected in your travel itinerary.
2. A Quarantine Benefit is added to your coverage:

• • Quarantine Benefit – In the event you or your travelling companion are required to self isolate or quarantine due to a positive COVID-19 test result or contact tracing at your destination as determined by a medical professional after your departure date, we will pay up to $150 per day per insured person ($300 per insured family) for a maximum of 14 days for your additional unplanned commercial accommodation, meals and essential telephone calls.
    • • This benefit is not payable if there were any regional travel guidelines or restrictions in place before your departure date:
        1. 1. prohibiting Canadian residents’ entrance due to COVID-19; or
           2. requiring a self-isolation or quarantine for a specific period of time during your

Important Notices

• Travel insurance is designed to cover losses arising from sudden and unforeseeable circumstances. It is important that you read and understand the policy before you purchase as the coverage is subject to certain limitations, conditions or exclusions.
• Pre-existing condition exclusions may apply to medical conditions and/or symptoms that existed prior to a covered trip. Check to see how these apply to your trip and how they relate to your departure date, date of purchase or effective date.
• The information you provide us in order to make a policy purchase must be complete and accurate otherwise your policy will be void and no benefit will be payable under this policy
• The policy is secondary to all other sources of coverage. Any benefits payable under the policy are in excess of any other coverage you may have with any other insurance company or any other source of recovery.
• In the event of an injury or sickness, prior medical history may be reviewed when a claim is reported.
• The policy provides travel assistance, and you are required to notify the emergency assistance provider prior to treatment. The policy limits benefits should you not contact the assistance provider within the specified time period.
• You may cancel the policy within 10 days of purchase for a full refund if you have not departed on your covered trip and there is no claim in process. For the emergency medical only plan, you may cancel any time prior to departure and receive a full refund.