Allianz Global Assistance administers a wide range of products, each with its own unique policy wording, terms and conditions.
Coverage for COVID-19 will depend on the terms and conditions of your specific coverage and policy wording.
The following scenarios can help you navigate your policy wording to confirm whether or not your policy provides coverage for medical treatment related to COVID-19 on your trip.
If your policy includes Emergency Medical benefits, review the following sections of your policy wording:
a. The “Exclusions” or “What’s Not Covered” section under the Emergency Medical benefits section of your policy.
b. The “General Exclusions” section, which typically comes later in the policy wording, after the descriptions of the various benefits that are included in your coverage.
Scenario 1 - Travel advisories and COVID-19 exclusion
In the above sections, check for any exclusions related to Government of Canada/Global Affairs Canada travel advisories being issued before the effective date of your policy, that advise you to avoid all travel or to avoid non-essential travel to your destination.
Below is an example of this type of exclusion (wording may differ between policies):
“Benefits are not payable for loss or costs incurred due to, contributed to by, or resulting from any sickness or injury when such sickness or injury occurs in a city, region, or country for which Global Affairs Canada issued a travel advisory before the effective date to avoid all travel, or to avoid non-essential travel, to that city, region, or country, and such sickness or injury is due to, contributed to by, or resulting from the reason for the warning.”
You can find the definition “effective date” of your policy under the Definitions section of your policy. Effective date typically means the later of:
a) the date and time the completed application and premium are accepted by Allianz or its representative; or
b) the date indicated as the effective date on your confirmation / declaration of coverage; or
c) the date of departure from your country of origin.
If your policy includes an exclusion similar to the one above, then policyholders who contract COVID-19 at their destination will not be eligible for emergency medical treatment if a Government of Canada travel advisory related to COVID-19 is in place on the effective date of their policy, that advises against non-essential travel (Level 3) or all travel (Level 4) for their destination or type of travel (i.e. cruises).
- For example, the Government of Canada recently issued a new global travel advisory against non-essential international travel due to COVID-19 at 5:00pm EST on December 15th, 2021. If your policy includes an exclusion similar to the one above, and your date of departure or effective date of your policy is after 5:00pm EST on December 15th, 2021, then you would not be covered for treatment related to COVID-19 during your trip. However, you would continue to have emergency medical benefits available for all other sudden and unforeseen injuries or illnesses that meet the policy’s eligibility requirements (i.e. that are not a pre-existing condition as defined in the policy.)
Otherwise, if there is no Government of Canada travel advisory related to COVID-19 in place on the policyholder’s effective date, that advises against non-essential travel (Level 3) or all travel (Level 4) for their destination or type of travel (i.e. cruises), then expenses related to emergency medical treatment for COVID-19 would be eligible.
- For example, if the effective date of your policy (i.e. your departure date) was before the Government of Canada issued the global travel advisory against non-essential international travel due to COVID-19 at 5:00pm EST on December 15th, 2021, then you would be eligible to claim for expenses related to emergency medical treatment for COVID-19.
Scenario 2 – Travel advisories and exclusions for COVID-19 and any other sickness or injury
Your policy may have an exclusion that excludes all coverage for COVID-19 and any other, non-COVID-19 related sickness or injury if you travel during a Government of Canada / Global Affairs Canada travel advisory to avoid all travel or to avoid non-essential travel to your destination.
Scenario 3 – Pandemic or epidemic exclusions
In the same exclusion sections listed above, also be sure to check for any exclusions related to pandemics or epidemics. If your policy lists an exclusion against any treatment or expenses that are related to a pandemic or epidemic, then medical treatment related to COVID-19 will not be covered during your trip.
If you determine your policy excludes COVID-19 based on the instructions above, your travel insurance provider may have additional coverage you can purchase to cover COVID-19 related claims. In this instance, please contact your travel insurance provider to confirm availability of COVID-19 coverage.