Some main Canadian insurers will now not cowl emergency medical bills associated to the novel coronavirus for travellers who go to nations with high-level journey advisories.
Canada’s largest insurance coverage firm, Manulife Monetary Corp., advised The Globe and Mail on Friday it is not going to cowl any medical bills associated to COVID-19 underneath particular person journey insurance policies if clients go to a vacation spot that was the topic of a “excessive stage” authorities advisory earlier than their departure.
Allianz World Help Canada – which earlier this week up to date its journey cancellation insurance policies resulting from COVID-19 – additionally stated it is not going to cowl emergency medical therapy for purchasers who contract coronavirus in a rustic that had a stage three or four journey advisory associated to coronavirus earlier than they left on their journey.
That limitation additionally applies to folks leaving on cruises on or after March 9, as the corporate considers a warning from the Public Well being Company of Canada for Canadians to keep away from cruise ships journey to be a Degree four authorities advisory, Allianz spokesperson Dan Keon stated.
“Insurance coverage is absolutely there to guard for the surprising in emergencies,” stated Joan Weir, director of well being and incapacity coverage on the Canadian Life and Well being Insurance coverage Affiliation.
“Sooner or later in time, [COVID-19] turned so widespread that some insurers took the place that it’s now not an emergency scenario from a journey perspective any extra. Persons are definitely extra conscious of the coronavirus, of what COVID-19 is, and they’re extra conscious of journey advisories too.”
For Manulife and Allianz clients travelling to locations that aren’t the topic of advisories, medical prices associated to the coronavirus shall be lined. As effectively, medical prices that aren’t associated to the coronavirus shall be lined for all journey locations.
(Manulife’s group advantages medical protection, which is obtainable to people by way of their employers, isn’t affected by the corporate’s adjustments to its particular person journey insurance policies.)
Journey insurance coverage helps individuals who must cancel journeys, or obtain medical care exterior Canada, resulting from unexpected occasions. Coverage protection can vary from $2-million to $10-million per individual. However because the coronavirus pandemic continues, insurance coverage corporations are deeming the virus a “identified occasion” that clients are conscious of earlier than leaving the nation.
The Canadian authorities has issued journey warnings for China, Iran, northern Italy, South Korea and Japan, along with the cruise ship advisory.
Different main insurers in Canada, equivalent to Canada Life Assurance Co. and Solar Life Monetary Inc., haven’t but modified their out-of-country protection.
Solar Life’s group advantages prolonged well being care program, which incorporates “out-of-Canada” protection for journey medical emergencies, doesn’t have an exclusion for journey advisories or bans. This implies Solar Life plan members who go to nations with a journey advisory or on a cruise ship are nonetheless lined so long as they continue to be eligible underneath their group plan.
Canada Life, which additionally supplies medical protection to group-benefit clients, has made no adjustments with respect to COVID-19.
“We is not going to decline protection to folks solely on the idea of their journey to a rustic with a journey advisory or a cruise ship,” Canada Life spokesperson Liz Kulyk.
That would change as new info emerges, she stated.
“We encourage all Canadians to observe the path of the [government] with respect to journey advisories.”
Thus far, bank card suppliers have made no adjustments to out-of-country emergency medical advantages they provide.