La Survivance Voyage

COVID-19 INFORMATION PAGE – INDIVIDUAL CUSTOMERS

Whether you are thinking of travelling, about to travel, on a trip or about to return, take a few minutes to read this information page in order to find pieces of advice and other useful details. Check out the date of the latest update to find out if information has changed since your last visit on this page.

For further information, do not hesitate to contact your broker, call customer service or send us an email.

I AM LEAVING SOON Last Update: Jan. 12 2021

  • Purchase travel medical insurance that covers COVID-19.

    Tour+Med travel insurance covers you up to $5,000,000 in the event of a medical emergency. Adding the COVID-19 Rider to your policy will provide coverage (also up to $5,000,000) if you test positive to COVID-19 while on your trip, no matter the travel advisories (pertaining to the COVID-19 pandemic) that are effective on your departure date or issued after your departure. The COVID-19 Rider also provides additional benefits in the event of a positive diagnosis without hospitalization.

    Check out the COVID-19 Rider section for more information on this exclusive protection.

    Take note that sales of new Multi-Trip Annual Plans are temporarily suspended but Per Trip Plans can be purchased. Also note that the COVID-19 Rider is exclusive to Tour+Med protections and cannot be added to protections from other insurers.

  • What is the function of the COVID-19 Rider?

    Without the COVID-19 Rider, your Tour+Med travel medical insurance would not provide any protection in the event of a medical emergency pertaining to COVID-19, since there is an advisory to avoid non-essential travel and it is precisely due to the pandemic. (See exclusion 19 f in the policy.)

    When you add the COVID-19 Rider to your Tour+Med travel medical insurance, we modify the scope of exclusion 19 f of the policy, and will therefore provide coverage up to $5,000,000 in the event of a COVID-19-related medical emergency.

    The Rider also provides additional benefits (aside from those already mentioned in the policy) in the event that you test positive to COVID-19 while on your trip and need to quarantine.

    The COVID-19 Rider eliminates the necessity of rushing back to your province of residence if the advisory to “avoid non-essential travel” (aka Level 3) changes to “avoid all travel” (aka Level 4) after your departure. (Without the COVID-19 Rider, you would be given 10 days following issuance of the advisory to return to your province of residence, otherwise you would no longer be covered for COVID-19 as of the 11th day, should you decide to remain at your destination.)

    Check out the COVID-19 Rider section for more information on this exclusive protection.

    (Coverage is subject to the other conditions, exclusions and limitations of the policy. Read the policy to be aware of what these conditions, exclusions and limitations are. The COVID-19 Rider is only offered on Tour+Med Per Trip Plans.)

  • Use our COVID-19 indicators.

    In order to help you gauge the COVID-19 situation at your destination, our actuaries developed two indicators, which are updated daily. Feel free to use these indicators at any time before your departure (and even after!) in order to make informed decisions about your trip.

  • Read your policy.

    Each traveller is unique and your travel insurance policy should meet your needs. Read it carefully and don’t be afraid to ask questions before your departure. Avoid unhappy endings: make sure that you understand your policy, most particularly the exclusions and limitations. (Download the policy wording.)

  • Review your medical declaration as your departure date approaches.

    Some people purchase travel insurance a few months in advance but don’t necessarily think of reviewing their medical declaration as the departure date approaches. Your health could have changed between the date of purchase and today. You must inform the insurer of any change in your health, no matter if it was a positive or negative change. Otherwise, the insurer could deny your claim.

  • Don’t forget your wallet card at home!

    Your wallet card presents essential information: your name, policy number, travelling dates, and the numbers to reach emergency assistance in case of a medical emergency. Be sure to have a copy with you at all times during your trip. Why not make photocopies before leaving? Give one to a family member, laminate one for daytrips to the beach or pool, keep one in your hotel room or rental car, etc. You must call emergency assistance prior to receiving any treatment. If you are unable to do so (e.g. if you are unconscious), your travelling companion or medical staff must contact us on your behalf and will need to access your wallet card easily.

  • Respect advisories, safety measures and other instructions.

    Read the travel advisories for your destination on www.travel.gc.ca; they could have changed since the last time you looked. Have you planned for your mandatory quarantine upon your return? Are there specific measures from your airline? Read them before you leave. Bring sufficient quantities of clean face coverings and disinfecting gel.

  • Will it affect my coverage if I get vaccinated prior to my departure? Will I be automatically covered for COVID-19?

    To be covered, a medical condition must have been Stable and Controlled for a given period before the departure date (3 months for persons 0-59 years old, and 6 months for persons 60 years old and more). However, given the current pandemic, it could be in the individual and collective interest to receive the vaccine as soon as possible. Therefore, if you choose to receive a recognized COVID-19 vaccine before your departure and have purchased the COVID-19 Rider, we will exceptionally cover complications, as long as you were vaccinated at least 2 days prior to your departure and have not had complications prior to your departure. Coverage is subject to the other terms and conditions of the policy (exclusions, deductible and stability clause, among others).

    The only vaccines recognized by the Insurer are those that have been authorized by Health Canada or the Food and Drug Administration (FDA).

    References:

    To be covered for COVID-19 while on a trip, you need to add the COVID-19 Rider to your Tour+Med policy. Receiving the vaccine prior to your departure does not guarantee coverage. The COVID-19 Rider, aside from covering you up to $5,000,000, provides additional benefits in the event of a positive diagnosis and could prevent you from having to return within 10 days if the travel advisory changes to “avoid all travel” (level 4) after your departure.

I AM ON A TRIP Last Update: Feb. 11 2021

  • Stay informed about the evolution of the pandemic at your destination, travel advisories, and anything else that could affect your trip or your return.

    We suggest that you keep an eye on various government websites (www.travel.gc.ca but also the applicable websites for your destination) in order to be fully informed of the latest information pertaining to the COVID-19 pandemic. Check out your travel agency’s or airline’s website for any updates about your return flight; you wouldn’t want to be the last one to learn that your flight has been modified or canceled! And why not look at the Tour+Med COVID-19 indicators once in a while for a quick and easy update about the pandemic situation at your destination? Last but not least, wash your hands often and avoid touching your face.

  • I have symptoms and would like to consult a doctor.

    Whether you have COVID-19 or another infection, be responsible and avoid leaving your hotel room or residence in order to limit the spread of whichever virus you caught. Dial the insurer’s emergency assistance phone number and follow their instructions. The number is on your wallet card.   

    Regardless of the medical situation, you must always contact the insurer’s emergency assistance prior to consultation and treatment. Assistance service is included in your travel medical insurance and its role is to steer you to the appropriate facility, confirm to them that you have coverage, and enforce that only the health care necessary at that moment be given to you. (We remind you that travel medical insurance covers you in the event of a medical emergency. See the definition of emergency in your booklet.) 

  • My return flight was cancelled/modified. I wish to extend my trip.

    The COVID-19 pandemic is evolving constantly and differently from one place to another. The insurer reserves the right to deny your request for an extension and cannot be held responsible for the consequences, such as the change or cancellation of flights by airlines, border closure, etc.

    Airlines have announced that they would schedule additional flights over the next few weeks, in order to bring passengers back to Canada. We invite you to take this opportunity to come back while you can, since return options could be very limited after that. If you have not made a claim on your travel insurance policy, you could even be eligible for a refund for the unused portion of your coverage.

    To extend your policy (and COVID-19 Rider, if applicable), you may use the Client Portal, call your broker or Customer Service, or send us an email. Make sure to provide your policy number and a phone number where we can call you back. Your policy cannot be modified just by leaving a message or sending an email; you must speak with a sales representative.

    Since we cannot foresee the evolution of the situation, we suggest that you purchase a few extra days when asking for an extension. This way, you won’t be left at destination without coverage if the situation evolves negatively and if extensions are no longer possible at that moment.

    We also remind you that one of the eligibility conditions of your policy is to be eligible for benefits under your Government Health Insurance Plan for the whole duration of your trip. It is your responsibility to make sure that your trip does not outlast your maximum number of days, otherwise your policy could be null and void.

  • I must provide a negative test result to COVID-19, made within 72 hours of my return. Does my policy cover the costs of this test?

    No, since your policy does not cover elective and non-urgent treatments. It is also your responsibility to find a clinic or establishment that will provide the results in the requested time frame.

    However, if you test positive to COVID-19, the benefits from our COVID-19 Rider (if purchased) could become applicable and could help you with the expenses that will result from your extended stay and quarantine at destination. Benefits are in the form of a refund after your return. If you test positive, you must contact Emergency Assistance immediately.

  • Will my policy cover the additional expenses if I cannot get tested prior to my scheduled return date and need to extend my stay?

    No, unfortunately, since your protection is essentially for fees and costs related to a medical emergency.

  • If I choose to get vaccinated for COVID-19 while on my trip, are costs for the vaccine covered by my policy?

    No, since our protection does not cover elective and non-urgent treatments.

  • If I choose to get vaccinated for COVID-19 while on my trip, are medical complications that could arise from the vaccine covered?

    Based on our policy wording, any fees or costs related directly or indirectly to an elective and non-urgent treatment is usually not covered. However, given the current pandemic, it could be in the individual and collective interests to receive the vaccine as soon as possible. Therefore, if you choose to receive a recognized COVID-19 vaccine during your trip and have purchased the COVID-19 Rider, we will exceptionally cover complications. Coverage is subject to the other terms and conditions of the policy (exclusions, deductible and stability clause, among others).

    The only vaccines recognized by the Insurer are those that have been authorized by Health Canada or the Food and Drug Administration (FDA).

    References:

I WILL RETURN SOON Last Update: Feb. 11 2021

  • Am I covered for the COVID-19 test made upon my return and additional hotel expenses, if applicable?

    No, unfortunately, since your protection is essentially for fees and costs related to a medical emergency arising while you are out of your province of residence.

  • My return flight was cancelled/modified. I wish to extend my trip.

    The COVID-19 pandemic is evolving constantly and differently from one place to another. The insurer reserves the right to deny your request for an extension and cannot be held responsible for the consequences, such as the change or cancellation of flights by airlines, border closure, etc.

    Airlines have announced that they would schedule additional flights over the next few weeks, in order to bring passengers back to Canada. We invite you to take this opportunity to come back while you can, since return options could be very limited after that. If you have not made a claim on your travel insurance policy, you could even be eligible for a refund for the unused portion of your coverage.

    To extend your policy (and COVID-19 Rider, if applicable), you may use the Client Portal, call your broker or Customer Service, or send us an email. Make sure to provide your policy number and a phone number where we can call you back. Your policy cannot be modified just by leaving a message or sending an email; you must speak with a sales representative.

    Since we cannot foresee the evolution of the situation, we suggest that you purchase a few extra days when asking for an extension. This way, you won’t be left at destination without coverage if the situation evolves negatively and if extensions are no longer possible at that moment.

    We also remind you that one of the eligibility conditions of your policy is to be eligible for benefits under your Government Health Insurance Plan for the whole duration of your trip. It is your responsibility to make sure that your trip does not outlast your maximum number of days, otherwise your policy could be null and void.

  • Did you make a plan for your quarantine? Download the app ArriveCAN.

    All travelers entering Canada must quarantine for 14 days upon their return to limit the spread of COVID-19. Since November 21, 2020, all air travellers are requested to use the ArriveCAN app or website prior to boarding their return flight. Land or marine travellers are also strongly encouraged to use ArriveCAN to reduce processing time at the Canadian border. Take note that our protection does not cover any costs related to the mandatory quarantine upon your return.

  • Have a look at your airline’s website.

    Has your return flight been modified or cancelled? Has the airline modified their rules and regulations pertaining to COVID-19? Do you have enough clean face coverings and disinfecting gel? Better be safe and look into all of this a few days in advance.

  • Will you drive back? Plan ahead.

    The uncertainty of the pandemic situation could be a source of stress if you will be making a long drive and can’t find open places to purchase food, spend the night or fill up on gas. If you will be crossing many provinces or states, take the time to look up the recommendations and warnings for each place before getting behind the wheel.

  • I must provide a negative test result to COVID-19, made within 72 hours of my return. Does my policy cover the costs of this test?

    No, since your policy does not cover elective and non-urgent treatments. It is also your responsibility to find a clinic or establishment that will provide the results in the requested time frame.

    However, if you test positive to COVID-19, the benefits from our COVID-19 Rider (if purchased) could become applicable and could help you with the expenses that will result from your extended stay and quarantine at destination. Benefits are in the form of a refund after your return. If you test positive, you must contact Emergency Assistance immediately.

  • Will my policy cover the additional expenses if I cannot get tested prior to my scheduled return date and need to extend my stay?

    No, unfortunately, since your protection is essentially for fees and costs related to a medical emergency.

NON-MEDICAL PROTECTIONS Last update: Nov. 19 2020

Take note that non-medical protections (trip cancellation & interruption insurance, baggage insurance, and accidental death & dismemberment) are temporarily unavailable. For information or to make a claim, see our Claims section or contact an agent from our Claims Department at 1-877-344-8398, extension 4.

USEFUL LINKS Last Update: Feb. 11 2021