Current Government of Canada Global Travel Advisory Levels

Government of Canada travel advisory levels may impact travel insurance coverage for COVID-19 depending on your vaccination status, destination and policy terms.

The Government of Canada is currently issuing travel advisories for COVID-19 on a country/regional basis.

For fully vaccinated travellers, the current travel advisory levels for many popular snowbird destinations and cruises are:

• Level 1 (Exercise Normal Security Precautions) or
   
• Level 2 (Exercise a High Degree of Caution)

For unvaccinated travellers, the current travel advisory level is:

•  Level 3 (Avoid Non-Essential Travel)

You can find current travel advisory levels for popular snowbird destinations by clicking on the links below:

• United States
• Mexico
• All other destinations
   

Explore our travel insurance coverage options for COVID-19

Manulife Standard (PrimeLink) & Personalized (TravelSense) Plans

Our Manulife Standard and Personalized travel medical insurance plans provide $10 Million CAD in coverage for emergency medical care, including coverage for eligible COVID-19 related medical expenses, if you meet the following criteria:

1. You are fully vaccinated at least 14 days prior to your departure date.
   
   PLEASE NOTE:
   
   At this time, booster shots are not required to be considered “fully vaccinated” under these policies. Accordingly, you will be covered for COVID-19 even if you have not received your booster shot(s).
   
   However, if prior to the start of your trip, the Public Health Agency of Canada revises its definition of “Fully Vaccinated” to include booster shots, any booster shot(s) included in the revised definition would be required to be covered for COVID-19 under this policy.
    
2. The travel advisory level for your destination at the time you depart on your trip is either Level 1 (Exercise Normal Security Precautions) or Level 2 (Exercise a High Degree of Caution).
   
   PLEASE NOTE:
   
   If you have already departed on your trip and the Government of Canada travel advisory level for COVID-19 increases to Level 3 (Avoid Non-Essential Travel) or Level 4 (Avoid All Travel), you do not need to contact us to modify your coverage and you will still be covered for COVID-19.
   
   If you have not yet departed on your trip and the Government of Canada travel advisory level for COVID-19 increases to Level 3 or Level 4, you will need to contact us to modify your policy to include coverage for COVID-19.

Quarantine Coverage:

Our Manulife Standard and Personalized travel medical insurance plans include the following Quarantine Coverage for COVID-19:

• Up to $200 per day to a maximum of $2,000 for meals, hotels and taxi fares.

Quarantine benefits cover you for the unplanned expenses listed above if you meet the following criteria:

1. You contract COVID-19 while you are travelling
    
2. You have proof of a positive COVID test, and
    
3. You are unable to return to Canada or continue on the next leg of your travel

Availability:

Standard and Personalized plans are available in Single-Trip and Multi-Trip Annual options and can be purchased online, as well as by phone.

Top-ups, Extensions and Personalized Multi-Trip Annual plans are only available for purchase by phone by calling 1-855-478-3490.

Our Starr Insurance travel medical insurance plans provide $5 Million CAD in coverage for emergency medical care, including coverage for eligible COVID-19 related medical expenses, if you meet the following criteria:

1. You are fully vaccinated at least 14 days prior to your departure date.
   
   Booster shots are not required to be considered “fully vaccinated” under these policies, nor will they be required even if the Public Health Agency of Canada revises its definition of “Fully Vaccinated” to include booster shots.
    
2. The travel advisory level for your destination at the time you depart on your trip is either Level 1 (Exercise Normal Security Precautions), Level 2 (Exercise a High Degree of Caution) or Level 3 (Avoid Non-essential Travel).

Quarantine Coverage:

Our Starr Insurance  travel medical insurance plans include the following Quarantine Coverage for COVID-19:

• Up to $150 per day to a maximum of $1,500 for meals and hotels for an individual plan, or
• Up to $300 per day to a maximum of $3,000 for meals and hotels for a family plan

Quarantine benefits cover you for the unplanned expenses listed above if you meet the following criteria:

1. You have tested positive and are diagnosed with COVID-19 while travelling
    
2. You have proof of a positive COVID test and being advised to quarantine or isolate in your destination

Availability:

Plans are available in Single-Trip and Multi-Trip Annual options and can currently be purchased by phone by calling 1-855-478-3490.

Other policies that cover COVID-19 regardless of the Travel Advisory level

We also offer other policies from Manulife and Blue Cross Ontario that include coverage for COVID-19 regardless of the travel advisory level.

However, these policies generally have higher premiums than our Manulife Standard and Personalized travel medical insurance policies and Starr travel medical insurance policies outlined above.

Policies that cover COVID-19 regardless of the Travel Advisory level are only available for purchase by phone by calling 1-855-478-3490.

Travellers who are NOT Fully Vaccinated

For travellers who are not fully vaccinated, we still have COVID coverage options available by phone. Please call us at 1-855-478-3490 for assistance.

Trip Cancellation & Interruption Insurance

We have multiple policies available that offer Trip Cancellation and Interruption coverage, however, the terms and conditions for COVID-19 coverage under these policies varies.

Accordingly, if you are seeking Trip Cancellation and Interruption insurance, please call us at 1-855-478-3490 and one of our agents will assist you.