Coronavirus (COVID‑19)

Information for Insureds Travel Insurance

Updated: March 17, 2021 at 11:30 a.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?

Since 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?

Since 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
Can I get the cost of the return plane ticket, which is very expensive, reimbursed since repatriation is mandatory as a result of the government warnings issued regarding travel destinations?

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.

Are expenses for mandatory COVID-19 screening tests to return to Canada covered?

No, the expenses for mandatory COVID-19 screening tests to return to Canada are not covered under travel insurance.

I must remain at my destination because I am awaiting the result of my COVID-19 screening test. What is covered under my travel insurance?

Additional expenses incurred while awaiting COVID-19 screening test results are not covered (for example, the cost for new plane tickets or changing the return date on the existing ticket, accommodation and living expenses, etc.)

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.

Which expenses are covered if the result of my COVID-19 screening test is positive while I am travelling and I am covered for this illness under my insurance contract?

The following expenses are covered based on the maximum amount under your contract:

  • Medical expenses
  • Additional expenses incurred to purchase a return ticket, or the cost of modifying your existing ticket, based on the following:
    • One-way ticket, in economy class
    • Flight aboard a commercial airline, on a fixed schedule
    • The most direct route to the point of departure

Accommodation and living expenses are not covered unless stipulated otherwise under your contract.

Are medical expenses related to possible complications following COVID-19 vaccination abroad covered?

If you choose to get vaccinated in a foreign country, despite the Canadian government’s advisory to avoid non-essential travel, SSQ Insurance will as an exceptional measure reimburse medical expenses that could arise from side effects of COVID-19 vaccination, in accordance with the travel insurance coverage stipulated in the insurance contract.