Fear of the Quarantine

Many of my clients are booking holidays. Most are a little nervous to travel now.

Often, the possibility of testing positive for CoVid at destination causes hesitation, and the worry about being quarantined before they can return home.

One of the things I do for my clients is to advise them about insurance, and the possible coverages that would protect them in that eventuality.

So – does the possibility of being quarantined on vacation impact your decision to travel now?

I put a poll up on linked in – Does the possibility of being quarantined on vacation impact your decision to travel now?

You can see the it here poll – are you worried about quarantine if you’d like to vote.

Or – you can let me know how you feel about it.

Are you worried and stalled, worried but still go with insurance, not worried as you weigh the risk, or not worried at all?

Regardless of where you fall in the concern area, did you know that there are insurance policies that can cover you getting CoVid while you’re travelling?

Insurance parameters keep changing, of course, and are dependent on government advisories as to whether we’re level 3 (avoid non-essential travel) or level 4 (do not travel).

Everything is in a state of flux right now of course, with new government advisories coming this week.

But – are you aware that Manulife, for one, has a CoVid pandemic plan, that covers vaccinated Canadians travelling?

Other countries and other insurers may have comparable plans.

With Manulife, there are medical questionnaires if you’re over 60 that you have to fill out, and if you’ve had CoVid in the past, you may have to consider pre-existing condition and stability periods. But – here’s a sample of a Manulife plan and what it might cover (depending on your risk situation, age, etc.).

Let me know if you’d like a quote for your planned holiday.

THIS IS A SAMPLE ONLY

COVID-19 PANDEMIC TRAVEL INSURANCE – UNDER AGE 60   >> Details

Plan Description
Click COVID-19 Pandemic Travel Insurance to view Policy booklet and click Product Summary for COVID-19 Pandemic Travel Insurance to access the Product Summary.

For Quebec Residents:
Click Fact Sheet for details on consumer rights for purchasing travel insurance.
click Notice of Rescission to understand what is required to cancel your insurance policy without penalty.

MEDICAL QUESTIONNAIRE REQUIRED FOR AGED 60+
FAMILY RATES ARE AVAILABLE IF ALL FAMILY MEMBERS ARE UNDER AGE 60

Emergency Medical
UP TO A COMBINED MAXIMUM OF $5,000,000 CDN FOR:
– Emergency Medical coverage not related to Coronavirus (COVID-19)
– Emergency Medical coverage for COVID-19 and related complications provided the vaccine was received
– Up to $1,000,000 CDN for Emergency Medical coverage for COVID-19 and related complications if the vaccine was not received
Exception for cruise travel – If the vaccine was not received, Emergency Medical coverage is not provided for COVID-19 and related complications on a cruise or at any destination included in the cruise itinerary.
This exception for cruise travel does not apply to children 11 years old or younger who are not eligible to receive the vaccine, when travelling with at least one parent or guardian on the same cruise booking who has received the vaccine.

Quarantine Expenses: Coverage for expenses related to medical mandated quarantine is available.

ACCESS TO MULTILINGUAL 24/7 TRAVEL ASSISTANCE FOR:
– Covered medical provider expenses including those of a hospital, physicians and nurses
– Toll-free assistance centre to provide assistance and managed care
– Have covered medical bills pre-paid where available
– Arrangement of air ambulance services when necessary and arranged by the Assistance Centre

This is a general summary only. For a full listing of benefits please read the policy as limitations and exclusions apply.

Benefit Summary
Emergency Medical related to COVID-19 Up to the amount indicated in your policy
Emergency Medical not related to COVID-19 Up to the amount indicated in your policy
Quarantine Expenses See policy for details