Coronavirus (COVID‑19)

Information for Insureds Travel Insurance

Updated: October 1, 2020 at 4:00 p.m.

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I am currently travelling

This FAQ concerns only group insurance products and retirement and end of employment products (Privilege and MRS).

SSQ Insurance recommends that its clientele comply with the Canadian government's travel advisories. SSQ Insurance cannot guarantee access to quality medical care abroad due to the ever changing global situation.

Am I covered for emergency medical expenses related to COVID-19?

As of October 1, 2020, emergency medical expenses related to COVID-19 are covered for travel destinations for which the Government of Canada has issued a Level 1, 2, or 3* travel health notice. The insurance policies stipulate that you must be in good and stable health before you leave on your trip.

Emergency medical expenses related to COVID-19 are not covered for travel destinations for which the Government of Canada has issued a Level 4* travel health notice.

*The Government of Canada issues 4 travel health notices for travel destinations:

  • Level 1 - Practise usual precautions
  • Level 2 - Practise special precautions
  • Level 3 - Avoid all non-essential travel
  • Level 4 - Avoid all travel
What type of situation does trip cancellation/interruption insurance cover when there is a change in the travel health notice level issued by the Government of Canada?

As of October 1, 2020, the following situations apply DURING YOUR TRIP if your insurance includes trip cancellation/interruption coverage:

  • If the Government of Canada’s travel health notice for the travel destination where you are travelling changes from Level 1 or 2 to Level 3* during your trip, you may interrupt your trip within a maximum of 14 days following the notice or continue your trip while maintaining your travel assistance coverage (including COVID-19).
  • If the Government of Canada’s health travel notice for the travel destination where you are travelling changes from Level 1, 2, or 3 to Level 4* during your trip, you must interrupt your trip and return to Canada within a maximum of 14 days following the notice, or you will lose your travel assistance coverage.

Your insurance policy stipulates that, to be covered, you must be in good and stable health before departure.

*The Government of Canada issues 4 travel health notices for travel destinations as follows:

  • Level 1 - Practise usual precautions
  • Level 2 - Practise special precautions
  • Level 3 - Avoid all non-essential travel
  • Level 4 - Avoid all travel
Since repatriation is mandatory, can I get the cost of the return plane ticket, which is very expensive, reimbursed?

Yes, if your insurance includes trip cancellation/interruption coverage.

Depending on the maximum amount provided for under your contract, you are covered for the extra cost of a return ticket with the following features:

  • One-way ticket, in economy class
  • Flight aboard a commercial airline, on a fixed schedule
  • The most direct route to the point of departure

You are also covered for expenses incurred as a result of a change in your plane ticket date.

What is the procedure for submitting a trip cancellation/interruption claim?

You must contact your travel insurance assistance service. This information is provided on your SSQ Insurance card and in your Customer Centre.

For Quebec residents who purchased their trip from a travel agency in Quebec

Exceptionally during the COVID-19 pandemic, you no longer have to submit a reimbursement request to the Compensation Fund for Customers of Travel Agents (CFCTA). Contact your travel insurance assistance service directly, as indicated above.

For SSQ Insurance, a travel credit is equal to a reimbursement. Therefore, whether or not you accepted a travel credit, we will deduct the travel credit amount from your claim. If the travel credit is equal to the total amount, SSQ Insurance will not issue a reimbursement.

Please note that claims may take up to 3 months to process.

What do I do if I contract COVID-19 while travelling and I am covered for this illness by my insurance policy?

Call your travel insurance assistance service. You will be referred to a healthcare professional.

This information is provided on your SSQ Insurance card and in your Customer Centre.