WHY COVID TRAVEL INSURANCE IS VITAL
Our comprehensive Navigate COVID report will give you peace of mind when you purchase your next trip. Here is a sample report -
Navigating Covid – a traveller’s guide
Prepared for – XXXX
Date – 16-Oct-20
- Mr and MrXXXX (“the travellers”) live in Alberta.
- They are aged 59 and 67 respectively.
- The travellers are heading south to Indio, CA (Palm Desert) as Snow Birds for approximately 3.5 months this winter (December-March).
- They are both in good health. Mrs. XXXX received a zero score on the medical questionnaire.
- In the past, they have driven to Indio every winter.
- This year, due to COVID-19 they are concerned about the impact and difficulties of travelling cross-border by car in 2020, in case the border closure remains in-place in December. They prefer not to fly.
- They are also concerned about the ability to get good and cost-effective COVID-19 medical insurance.
- They have requested guidance and relevant information with regard to travelling to California and the COVID-19 insurance coverage requirements in light of the current situation.
Getting there – Mr. and Mrs. XXXX are snow birds and would like to drive to California. The Canada-USA land border must open by mid-December in order for this trip to be possible.
Any quarantine requirements for travel to California (if opting to go by air), and on return, are listed here below:
- At this time, the Canada-USA land border is closed until October 21. The date of extension or re-opening is announced by Trudeau monthly, usually between the 14th-18th. It is very likely to be extended into November, and again into December. We do not know for sure how long the extension of the closure will continue.
- At this time (October, 2020), Canadian travellers by air do not need to quarantine on arrival into California. This is always subject to change at a later date based on the current situation with COVID in the state.
- At this time (October, 2020), Canadian travellers by air do need to quarantine on return to Canada, until October 31, for 14-days. This quarantine date is very likely to be extended. Dates for extension of quarantine on entry into Canada will not be known for March, 2021 until mid to late March, 2021, unless it has ended before that date.
What to expect at airports
Airports and flights in Canada: – Because it’s highly likely that the land border crossing will not reopen by December 19, 2020, this trip may only be possible if you fly.
Travel would commence most likely in Calgary at YYC. Flights to Palm Springs are offered by WestJet.
All flights booked with WestJet at this point in time include COVID-19 insurance coverage for TWENTY-ONE days (no extensions beyond 21 days available), from TuGo. It includes $200,000 CAD coverage only if you contract COVID while travelling. Because this doesn’t cover you for this trip, I recommend the purchase of our Manulife COVID-19 Pandemic Travel Plan, as discussed below.
Strict COVID-19 protocols are in force at Canadian airports. Masks MUST be worn at all times within the airport and onboard the aircraft, recommended social distancing is in effect, and passenger’s temperatures are taken before boarding. We recommend that travellers should arrive in enough time to go through new COVID checks, protocols and security – recommended times are at least 2 hours or before the departure time for domestic flights and 3 hours for USA and international.
Here is a link to a short video prepared by the agency relating to the airport experience:
Many countries have a requirement of COVID-19 medical insurance coverage prior to arrival. Your destination, California, does not require this, but it is highly recommended. Travel to the USA can be a dangerous place to go without medical coverage, especially at this time of pandemic.
We work with Manulife, and they have the new COVID-19 Pandemic Travel Plan (as of Oct 1). This policy covers you for regular emergency medical situations, COVID-19 related expenses (if contracted while travelling), and interruption insurance if you must quarantine and it effects your return date or the government advisory increases and you have to return home. Regular medical emergencies are covered up to $5M CAD, and COVID related expenses are covered up to $200,000 CAD (per person).
Costs for this policy type on average are between $8-10 CAD per person per day of your trip, but the cost does vary by older age, medical questionnaire score, and longer trip duration. If you are over the age of 60, you will have to fill in a medical questionnaire before we can determine your pricing.
Based on Mr and Mrs XXXXXX travel plan, a 103 day trip from December 19, 2020 to March 31, 2021:
COVID-19 Pandemic Travel Plan
- Mrs. XXXXXXX (age 67): $ CAD ($/day)
- Mr. XXXXXXXX (age 59): $856.19 CAD ($8.31/day)
For the winter snow bird getaway for Mr and Mrs XXXXXX, this trip is likely only going to be possible by flight, because the Canada-USA land border will likely remain closed beyond the intended departure date (though this is still an uncertainty that won’t be confirmed until just before-hand). If the trip is undertaken, the Manulife COVID-19 Pandemic Travel Plan insurance is highly recommended due to the best coverage inclusions, and best pricing in the marketplace at this point. If flying south, WestJet is the airline with direct flights from Calgary to Palm Springs, and they do include COVID coverage from TuGo, but it’s insufficient for the length of stay (at 21-days maximum).