Travel insurance

Please refer to the Government of Canada website for their recommendation on this matter: https://travel.gc.ca/travelling/documents/travel-insurance

Government health insurance plans do have limits on the reimbursement of the emergency medical expenses incurred while in another province. For example, air and ground ambulance costs, emergency dental treatment and prescription drugs might not be covered outside your province of residence. For maximum protection, purchase additional medical coverage even while travelling within Canada.

In the case of a medical emergency I am supposed to call the Assistance Centre. What if I don't get a chance to do that - will I still be covered?

We ask you to call our Assistance Centre (1-877-372-2988) so that we can confirm your enrolment under the plan, and, with the healthcare provider, manage the benefits in accordance with your policy. By calling the Assistance Centre, you may avoid out-of-pocket expenses. If you do not call the Assistance Centre, you will have to pay 20% of the medical expenses normally covered under this insurance. If it is medically impossible for you to call, please have someone call on your behalf. It is your responsibility to ensure that the Assistance Centre has been notified.

If you are already on your trip, you can extend coverage by calling Customer Service provided there has been no claim, no injury, sickness, or symptom has occurred that would give rise to a claim, or a change in your health. In addition, you must request the extension before your coverage expires and pay the appropriate premium. If you have a medical condition or pending claim, approval of the extension of your coverage is subject to approval.

If you have a Multi Trip Plan, you must top up your coverage before you leave home by purchasing an Emergency Medical Top-Up plan for the additional number of days beyond the duration provided by your Multi Trip.

Scotia Travel Insurance offers a COVID-19 Pandemic Travel Plan, which offers coverage in the event of quarantine outside of Canada. Coverage is for expenses such as your additional and unplanned commercial hotel and meal costs. You may receive:

1. Up to $200 per day to a maximum of $2800 per person; or
2. Up to $400 per day to a maximum of $5600 per family if you purchase family coverage.

These amounts are in Canadian dollars and coverage is provided for up to 14 days. 

Does the COVID-19 Pandemic Travel Plan provide coverage with an “avoid non-essential travel" advisory, and if yes what happens if the Government changes it to a “avoid all travel"?

If on your departure date, an “avoid non-essential travel advisory” is in place for your destination, and your emergency or medical condition is unrelated to the travel advisory, you may submit your claim. Note: For claims due to Coronavirus (COVID-19) the “avoid non-essential travel advisory” does not apply.  Claims relating to treatment for Coronavirus (Covid-19) that you experience on a cruise, may be submitted if you are fully vaccinated. 

If the advisory changes to “avoid all travel”, and you departed prior to the date the travel advisory changed, you will continue to have medical coverage for COVID-19 and related complications for the full duration of your trip. Treatment for Coronavirus (Covid-19) that you experience on a cruise, may be submitted if you are fully vaccinated.

Are Polymerase Chain Reaction (PCR) tests that are required in destination or prior to returning home covered under the Pandemic Plan?

No, PCR tests, vaccines, immunizations, visas, passports, and other travel requirements are the responsibility of the traveller and are not covered under the COVID-19 Pandemic Travel Plan.

Is there trip cancellation coverage prior to departing Canada within the COVID-19 Pandemic Travel Plan?

The COVID-19 Pandemic Plan does not have any trip cancellation coverage. This plan includes emergency medical benefits and trip interruption benefits. You may also consider purchasing a Trip Cancellation/Interruption Plan. 

Does Manulife, the underwriter of the Scotia Travel Insurance program, pay upfront for medical, and/or quarantine benefits?

In the event of a medical emergency, insured individuals must contact The Assistance Centre, who will arrange direct billing of covered expenses, where possible. If you choose to pay eligible expenses directly, the Assistance Centre will reimburse you subject to the terms and conditions of the coverage. 

If on your departure date, an “avoid non-essential travel advisory” is in place for your destination, and your emergency or medical condition is unrelated to the travel advisory, you may submit your claim. Note: For claims due to Coronavirus (COVID-19) the “avoid non-essential travel advisory” does not apply.  Claims relating to treatment for Coronavirus (Covid-19) that you experience on a cruise, may be submitted if you are fully vaccinated. 

If the advisory changes to “avoid all travel”, and you departed prior to the date the travel advisory changed, you will continue to have medical coverage for COVID-19 and related complications for the full duration of your trip. Treatment for Coronavirus (Covid-19) that you experience on a cruise, may be submitted if you are fully vaccinated.

If on your departure date, an “avoid non-essential travel advisory” is in place for your destination, and your emergency or medical condition is unrelated to the travel advisory, you may submit your claim. Note: For claims due to Coronavirus (COVID-19) the “avoid non-essential travel advisory” does not apply.  Claims relating to treatment for Coronavirus (Covid-19) that you experience on a cruise, may be submitted if you are fully vaccinated. 

If the advisory changes to “avoid all travel”, and you departed prior to the date the travel advisory changed, you will continue to have medical coverage for COVID-19 and related complications for the full duration of your trip. Treatment for Coronavirus (Covid-19) that you experience on a cruise, may be submitted if you are fully vaccinated.

No, PCR tests, vaccines, immunizations, visas, passports, and other travel requirements are the responsibility of the traveller and are not covered under the COVID-19 Pandemic Travel Plan.

The COVID-19 Pandemic Plan does not have any trip cancellation coverage. This plan includes emergency medical benefits and trip interruption benefits. You may also consider purchasing a Trip Cancellation/Interruption Plan. 

In the event of a medical emergency, insured individuals must contact The Assistance Centre, who will arrange direct billing of covered expenses, where possible. If you choose to pay eligible expenses directly, the Assistance Centre will reimburse you subject to the terms and conditions of the coverage. 

If you already have coverage, simply call Customer Service. You may be able to extend your coverage, as long as:

a. your period of coverage does not extend beyond 365 days;

b. you remain eligible for insurance under this plan;

c. we have received the extension requests prior to the expiry date of your existing polcy issued by us; and

d. there has been no change between single or family coverage.

For policy extensions, no losses or expenses or benefits will be paid for any illness or injury which first appeared, whether diagnosed or not, or for which treatment may or may not have been received, prior to the effective date of the extension of coverage under this policy.  If you have a medical condition or pending claim, approval of the extension is subject to the approval.

As outlined under your plan, it is essential that you contact our Assistance Centre prior to receiving medical treatment. The Assistance Centre has existing relationships with certain medical providers all over the world to help ensure emergency situations are handled as smoothly as possible. Our Assistance Centre will communicate with your medical provider, arrange direct billing where possible and coordinate payment for the emergency service received.

Under this policy, the maximum number of coverage days is 365 days. Upon expiry of a policy that has been in effect for 365 days (366 days in a leap year), you may purchase another student policy for the following term if you are eligible for coverage.

The Assistance Centre will explain coverage, monitor care, pre-approve treatment and confirm enrolment to the service provider and explain the coverage to healthcare providers to help ensure that medical services are provided in accordance with the benefits of your policy.