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Travel Insurance COVID-19 Endorsement

BCAA Travel Insurance coverage continues to be impacted by COVID-19. Learn more about these changes and if your policy is impacted below.

Policies purchased or renewed between May 26, 2021 and June 30, 2021

This endorsement is attached to and forms part of your BCAA Travel Insurance Policy.

Under “Travel Emergency Medical Insurance: Annual Multi-trip and Single-trip”, subheading “Benefits”, the following benefit has been changed:

COVID-19 (SARS-CoV-2) Coverage

This benefit only applies to:

  • Annual Multi-trip and Single Trip Worldwide
  • Single Trip Worldwide excluding USA

This benefit is payable for eligible medical expenses (benefits 1- 24) in the event you test positive for or are diagnosed with COVID-19 by a physician while you are on your trip.

Up to a maximum limit of $10,000,000:

  • when you have been fully vaccinated with the COVID -19 vaccine at least 14-days or more prior to your departure date or,
  • if you are under 18 years of age, whether or not you have received the COVID-19 vaccination.

Or;

Up to a maximum limit of $1,000,000:
a. When you have been administered with at least one Health Canada approved COVID-19 vaccination dose at least 14-days or more prior to your departure date.

Notwithstanding Travel Emergency Medical Insurance Exclusion 10) set out in your policy, the COVID-19 coverage described here will not be excluded in the event you travel to a destination after a formal written travel advisory and/or travel warning to “avoid non-essential travel” to that destination has been issued on or before the date you leave for your trip by Global Affairs Canada or Public Health Agency of Canada (PHAC). COVID-19 coverage will be excluded if such a formal written travel advisory and/or travel warning advises to “avoid all travel” is issued prior to your departure.

This benefit is not payable when:

  • You fail or you neglect to obtain the available vaccination(s) or inoculation(s) for COVID-19 (SARS-CoV-2) as defined by the BC Ministry of Health vaccination protocols/schedules.
  • You have received a positive COVID-19 test or diagnosis on or within the 30 days before the date of departure even if you have purchased the Pre-existing Condition Optional Coverage.
  • If you had any COVID-19 symptoms on or within the 14 days before the date of departure even if you have purchased the Pre-existing Condition Optional Coverage.

Policies purchased or renewed on May 26, 2021 or later

 

Applicable between June 25, 2021 and July 12, 2021 (no longer in force)

Applicable on or after July 13, 2021

This endorsement is attached to and forms part of your BCAA Travel Insurance Policy.

Under “Travel Emergency Medical Insurance: Annual Multi-trip and Single-trip”, subheading “Benefits”, the following benefit has been added:

25) COVID-19 (SARS-CoV-2) Coverage

This benefit only applies to:

  • Annual Multi-trip and Single Trip Worldwide
  • Single Trip Worldwide excluding USA

This benefit is payable for eligible medical expenses (benefits 1- 24) in the event you test positive for or are diagnosed with COVID-19 by a physician while you are on your trip.

Up to a maximum limit of $5,000,000:

  • when you have been fully vaccinated with the COVID -19 vaccine at least 14-days or more prior to your departure date or,
  • if you are under 18 years of age, whether or not you have received the COVID-19 vaccination.

Or;

Up to a maximum limit of $1,000,000:
a. When you have been administered with at least one Health Canada approved COVID-19 vaccination dose at least 14-days or more prior to your departure date.


Notwithstanding Travel Emergency Medical Insurance Exclusion 10) set out in your policy, the COVID-19 coverage described here will not be excluded in the event you travel to a destination after a formal written travel advisory and/or travel warning to “avoid non-essential travel” to that destination has been issued on or before the date you leave for your trip by Global Affairs Canada or Public Health Agency of Canada (PHAC). COVID-19 coverage will be excluded if such a formal written travel advisory and/or travel warning advises to “avoid all travel” is issued prior to your departure.

This benefit is not payable when:

  • You fail or you neglect to obtain the available vaccination(s) or inoculation(s) for COVID-19 (SARS-CoV-2) as defined by the BC Ministry of Health vaccination protocols/schedules.
  • You have received a positive COVID-19 test or diagnosis on or within the 30 days before the date of departure even if you have purchased the Pre-existing Condition Optional Coverage
  • If you had any COVID-19 symptoms on or within the 14 days before the date of departure even if you have purchased the Pre-existing Condition Optional Coverage.


Under “Definitions”, the following definitions have been added:

Fully Vaccinated — means that you have been administered with the complete dosage of Health Canada approved vaccine(s) for COVID-19, including any booster vaccines made available, aligned with the timelines as set by the BC Ministry of Health vaccination protocols/schedules to ensure maximum efficacy of the vaccine.

This endorsement is attached to and forms part of your BCAA Travel Insurance Policy.

Under “Travel Emergency Medical Insurance: Annual Multi-trip and Single-trip”, subheading “Benefits”, the following benefit has been added:

25) COVID-19 (SARS-CoV-2) Coverage

This benefit only applies to:

  • Annual Multi-trip and Single Trip Worldwide
  • Single Trip Worldwide excluding USA

This benefit is payable for eligible medical expenses (benefits 1- 24) in the event you test positive for or are diagnosed with COVID-19 by a physician while you are on your trip.

Up to a maximum limit of $10,000,000:

  • when you have been fully vaccinated with the COVID -19 vaccine at least 14-days or more prior to your departure date or,
  • if you are under 18 years of age, whether or not you have received the COVID-19 vaccination.

Or;

Up to a maximum limit of $1,000,000:
a. When you have been administered with at least one Health Canada approved COVID-19 vaccination dose at least 14-days or more prior to your departure date.

Notwithstanding Travel Emergency Medical Insurance Exclusion 10) set out in your policy, the COVID-19 coverage described here will not be excluded in the event you travel to a destination after a formal written travel advisory and/or travel warning to “avoid non-essential travel” to that destination has been issued on or before the date you leave for your trip by Global Affairs Canada or Public Health Agency of Canada (PHAC). COVID-19 coverage will be excluded if such a formal written travel advisory and/or travel warning advises to “avoid all travel” is issued prior to your departure.

This benefit is not payable when:

  • You fail or you neglect to obtain the available vaccination(s) or inoculation(s) for COVID-19 (SARS-CoV-2) as defined by the BC Ministry of Health vaccination protocols/schedules.
  • You have received a positive COVID-19 test or diagnosis on or within the 30 days before the date of departure even if you have purchased the Pre-existing Condition Optional Coverage.
  • If you had any COVID-19 symptoms on or within the 14 days before the date of departure even if you have purchased the Pre-existing Condition Optional Coverage.


Under “Definitions”, the following definitions have been added:

Fully Vaccinated — means that you have been administered with the complete dosage of Health Canada approved vaccine(s) for COVID-19, including any booster vaccines made available, aligned with the timelines as set by the BC Ministry of Health vaccination protocols/schedules to ensure maximum efficacy of the vaccine.

Policies purchased or renewed between August 13, 2020 and May 25, 2021 for trips departing May 26, 2021 or later

This endorsement is attached to and forms part of your BCAA Travel Insurance Policy.

Under “Travel Emergency Medical Insurance: Annual Multi-trip and Single-trip”, subheading “Benefits”, the following benefit has been added:

25) COVID-19 (SARS-CoV-2) Coverage

This benefit only applies to:

  • Annual Multi-trip and Single Trip Worldwide 
  • Single Trip Worldwide excluding USA 

This benefit is payable for eligible medical expenses (benefits 1- 24) in the event you test positive for or are diagnosed with COVID-19 by a physician while you are on your trip. 

Up to a maximum limit of $10,000,000: 

  • when you have been fully vaccinated with the COVID -19 vaccine at least 14-days or more prior to your departure date or, 
  • if you are under 18 years of age, whether or not you have received the COVID-19 vaccination.

Or;
b) Up to a maximum limit of $1,000,000: 
a. When you have been administered with at least one Health Canada approved COVID-19 vaccination dose at least 14-days or more prior to your departure date. 

Notwithstanding Travel Emergency Medical Insurance Exclusion 10) set out in your policy, the COVID-19 coverage described here will not be excluded in the event you travel to a destination after a formal written travel advisory and/or travel warning to “avoid non-essential travel” to that destination has been issued on or before the date you leave for your trip by Global Affairs Canada or Public Health Agency of Canada (PHAC). COVID-19 coverage will be excluded if such a formal written travel advisory and/or travel warning advises to “avoid all travel” is issued prior to your departure. 

This benefit is not payable when:

  • You fail or you neglect to obtain the available vaccination(s) or inoculation(s) for COVID-19 (SARS-CoV-2) as defined by the BC Ministry of Health vaccination protocols/schedules.
  • You have received a positive COVID-19 test or diagnosis on or within the 30 days before the date of departure even if you have purchased the Pre-existing Condition Optional Coverage.
  • If you had any COVID-19 symptoms on or within the 14 days before the date of departure even if you have purchased the Pre-existing Condition Optional Coverage.

Under “Travel Emergency Medical Insurance: Annual Multi-trip and Single-trip”, subheading “Automatic Extensions to Coverage”, the following has been added:

Quarantine

If you, your family, or your travelling companion are advised to Quarantine at your destination due to COVID-19 as a result of a positive COVID-19 test, and are unable to travel home on your scheduled return date, your coverage will be automatically extended at no additional premium for the duration of your COVID-19 Quarantine, but for no more than 14 days beyond your original expected return date.  Proof of being mandated to self-isolate or Quarantine due to COVID-19 will be required.

Under “Travel Emergency Medical Insurance: Annual Multi-trip and Single-trip”, subheading “Exclusions”, the following exclusion has been added:

17) Emergency sickness, injury, death and/or expense that is, or could be, caused by, contributed to or arising out of or in connection with a diagnosis of COVID-19 (SARS-CoV-2), except as specified under benefit 25) COVID-19 (SARS-CoV-2) Coverage. This exclusion does not apply to the Single Trip Within Canada Plan or when you travel within Canada.

Under “Travel Emergency Medical Insurance: Annual Multi-trip and Single-trip”, subheading “Deductible”, the following has been changed:

The company will pay eligible medical expenses for losses incurred in excess of the amount of the deductible as shown on the application/declaration, per insured per condition or event. This deductible applies to the portion of eligible expenses listed in section Benefits, under Benefit number 1 Emergency Medical Treatment, Benefit number 2 Follow-up Visit, and Benefit number 25 COVID-19 (SARS-CoV-2) Coverage, remaining after payment by your provincial or territorial government health care plan or other insurance policies, plans or contracts, including private or provincial automobile insurance.

Under “Definitions”, the following definitions have been added:


COVID-19 Quarantine means you are placed or required to place yourself in quarantine during your trip by order or other requirement of a government or other public authority, based on a your positive COVID-19 diagnosis.  It does not include any quarantine that applies generally based on the vessel or geographical area where a person is traveling to, from or through.  

Fully Vaccinated — means that you have been administered with the complete dosage of Health Canada approved vaccine(s) for COVID-19, including any booster vaccines made available, aligned with the timelines as set by the BC Ministry of Health vaccination protocols/schedules to ensure maximum efficacy of the vaccine. 

Quarantine due to COVID-19 means the same as COVID-19 Quarantine

 
 

Applicable between May 26, 2021 and June 24, 2021 (no longer in force)

Applicable between June 25, 2021 and July 12, 2021 (no longer in force)

This endorsement is attached to and forms part of your BCAA Travel Insurance Policy.

Under “Travel Emergency Medical Insurance: Annual Multi-trip and Single-trip”, subheading “Benefits”, the following benefit has been added:

25) COVID-19 (SARS-CoV-2) Coverage

Maximum limit - $1,000,000


This benefit only applies to:

  • Annual Multi-trip and Single Trip Worldwide
  • Single Trip Worldwide excluding USA

Up to a maximum limit of $1,000,000 for eligible medical expenses in the event you test positive for or are diagnosed with COVID-19 by a physician while you are on your trip.

This benefit is payable if you adhere to all BC Ministry of Health vaccination protocols/schedules and:

  • a) You have been administered with at least one Health Canada approved COVID-19 vaccination dose at least 14-days or more prior to your departure date.
  • b) You have been administered with all subsequent COVID-19 vaccination doses that have been made available to you prior to your departure date.

This benefit is also payable if you are under 18 years of age and have not received the COVID-19 vaccination.

Notwithstanding Travel Emergency Medical Insurance Exclusion 10) set out in your Policy, the COVID-19 coverage described here will not be excluded in the event you travel to a destination after a formal written travel advisory and/or travel warning to “avoid non-essential travel” to that destination has been issued on or before the date you leave for your trip by Global Affairs Canada or Public Health Agency of Canada (PHAC). COVID-19 coverage will be excluded if such a formal written travel advisory and/or travel warning advises to “avoid all travel” is issued prior to your departure.

This benefit is not payable when:

  • You fail or you neglect to obtain the available vaccination(s) or inoculation(s) for COVID-19 (SARS-CoV-2) as defined by the BC Ministry of Health vaccination protocols/schedules.
  • You have received a positive COVID-19 test or diagnosis on or within the 30 days before the date of departure even if you have purchased the Pre-existing Condition Optional Coverage.
  • You had any COVID-19 symptoms on or within the 14 days before the date of departure even if you have purchased the Pre-existing Condition Optional Coverage.

Under “Travel Emergency Medical Insurance: Annual Multi-trip and Single-trip”, subheading “Automatic Extensions to Coverage”, the following has been added:

Quarantine
If you, your family, or your travelling companion are advised to Quarantine at your destination due to COVID-19 or self-isolate at your destination as a result of a positive COVID-19 test, and are unable to travel home on your scheduled return date, your coverage will be automatically extended at no additional premium for the duration of your COVID-19 Quarantine, but for no more than 14 days beyond your original expected return date. Proof of being mandated to self-isolate or Quarantine due to COVID-19 will be required.

Under “Travel Emergency Medical Insurance: Annual Multi-trip and Single-trip”, subheading “Exclusions”, the following exclusion has been added:

17) Emergency sickness, injury, death and/or expense that is, or could be, caused by, contributed to or arising out of or in connection with a diagnosis of COVID-19 (SARS-CoV-2), except as specified under benefit 25) COVID-19 (SARS-CoV-2) Coverage. This exclusion does not apply to the Single Trip Within Canada Plan or when you travel within Canada.

Under “Travel Emergency Medical Insurance: Annual Multi-trip and Single-trip”, subheading “Deductible”, the following has been changed:

The company will pay eligible medical expenses for losses incurred in excess of the amount of the deductible as shown on the application/declaration, per insured per condition or event. This deductible applies to the portion of eligible expenses listed in section Benefits, under Benefit number 1 Emergency Medical Treatment, Benefit number 2 Follow-up Visit, and Benefit number 25 COVID-19 (SARS-CoV-2) Coverage, remaining after payment by your provincial or territorial government health care plan or other insurance policies, plans or contracts, including private or provincial automobile insurance.

Under “Definitions”, the following definitions have been added:


COVID-19 Quarantine means you are placed or required to place yourself in quarantine during your trip by order or other requirement of a government or other public authority, based on a your positive COVID-19 diagnosis. It does not include any quarantine that applies generally based on the vessel or geographical area where a person is traveling to, from or through.

Quarantine due to COVID-19 means the same as COVID-19 Quarantine.


 

 

 

This endorsement is attached to and forms part of your BCAA Travel Insurance Policy.

Under “Travel Emergency Medical Insurance: Annual Multi-trip and Single-trip”, subheading “Benefits”, the following benefit has been added:

25) COVID-19 (SARS-CoV-2) Coverage


This benefit only applies to:

  • Annual Multi-trip and Single Trip Worldwide
  • Single Trip Worldwide excluding USA

This benefit is payable for eligible medical expenses (benefits 1- 24) in the event you test positive for or are diagnosed with COVID-19 by a physician while you are on your trip:

Up to a maximum limit of $5,000,000:

  • when you have been fully vaccinated with the COVID -19 vaccine at least 14-days or more prior to your departure date or,
  • if you are under 18 years of age, whether or not you have received the COVID-19 vaccination.

Or;

Up to a maximum limit of $1,000,000:

  •  When you have been administered with at least one Health Canada approved COVID-19 vaccination dose at least 14-days or more prior to your departure date.

Notwithstanding Travel Emergency Medical Insurance Exclusion 10) set out in your policy, the COVID-19 coverage described here will not be excluded in the event you travel to a destination after a formal written travel advisory and/or travel warning to “avoid non-essential travel” to that destination has been issued on or before the date you leave for your trip by Global Affairs Canada or Public Health Agency of Canada (PHAC). COVID-19 coverage will be excluded if such a formal written travel advisory and/or travel warning advises to “avoid all travel” is issued prior to your departure.

This benefit is not payable when:

  •  You fail or you neglect to obtain the available vaccination(s) or inoculation(s) for COVID-19 (SARS-CoV-2) as defined by the BC Ministry of Health vaccination protocols/schedules.
  • You have received a positive COVID-19 test or diagnosis on or within the 30 days before the date of departure even if you have purchased the Pre-existing Condition Optional Coverage.
  • If you had any COVID-19 symptoms on or within the 14 days before the date of departure even if you have purchased the Pre-existing Condition Optional Coverage.

Under “Travel Emergency Medical Insurance: Annual Multi-trip and Single-trip”, subheading “Automatic Extensions to Coverage”, the following has been added:

Quarantine

 If you, your family, or your travelling companion are advised to Quarantine at your destination due to COVID-19 as a result of a positive COVID-19 test, and are unable to travel home on your scheduled return date, your coverage will be automatically extended at no additional premium for the duration of your COVID-19 Quarantine, but for no more than 14 days beyond your original expected return date. Proof of being mandated to self-isolate or Quarantine due to COVID-19 will be required.

Under “Travel Emergency Medical Insurance: Annual Multi-trip and Single-trip”, subheading “Exclusions”, the following exclusion has been added:

 17) Emergency sickness, injury, death and/or expense that is, or could be, caused by, contributed to or arising out of or in connection with a diagnosis of COVID-19 (SARS-CoV-2), except as specified under benefit 25) COVID-19 (SARS-CoV-2) Coverage. This exclusion does not apply to the Single Trip Within Canada Plan or when you travel within Canada.

Under “Travel Emergency Medical Insurance: Annual Multi-trip and Single-trip”, subheading “Deductible”, the following has been changed

 The company will pay eligible medical expenses for losses incurred in excess of the amount of the deductible as shown on the application/declaration, per insured per condition or event. This deductible applies to the portion of eligible expenses listed in section Benefits, under Benefit number 1 Emergency Medical Treatment, Benefit number 2 Follow-up Visit, and Benefit number 25 COVID-19 (SARS-CoV-2) Coverage, remaining after payment by your provincial or territorial government health care plan or other insurance policies, plans or contracts, including private or provincial automobile insurance.

Under “Definitions”, the following definitions have been added:

COVID-19 Quarantine means you are placed or required to place yourself in quarantine during your trip by order or other requirement of a government or other public authority, based on a your positive COVID-19 diagnosis. It does not include any quarantine that applies generally based on the vessel or geographical area where a person is traveling to, from or through.

Fully Vaccinated — means that you have been administered with the complete dosage of Health Canada approved vaccine(s) for COVID-19, including any booster vaccines made available, aligned with the timelines as set by the BC Ministry of Health vaccination protocols/schedules to ensure maximum efficacy of the vaccine.

Quarantine due to COVID-19 means the same as COVID-19 Quarantine

       

       

This endorsement is attached to and forms part of your BCAA Travel Insurance Policy.

IMPORTANT NOTICE

There is no coverage for any Trip Cancellation or Trip Interruption claims related to COVID-19 (Coronavirus) for policies purchased or renewed on or after March 5, 2020. For more information, please review one of the following sections below based on your purchase or renewal date.


Policies purchased or renewed August 13, 2020 or later

EFFECTIVE MARCH 5, 2020

This endorsement is attached to and forms part of your BCAA Travel Insurance Policy.

IMPORTANT NOTICE:

THERE IS NO COVERAGE FOR ANY TRIP CANCELLATION OR TRIP INTERRUPTION CLAIMS RELATED TO COVID-19 (CORONAVIRUS) FOR POLICIES PURCHASED OR RENEWED ON OR AFTER MARCH 5, 2020.

Your policy wording has been amended as follows:

Under Trip Protection Package, under the sub-heading Trip Cancellation & Interruption Coverage, the wording under Exclusion No. 4 has been amended and now reads as follows:

4. Cancellation or interruption caused by or related to a circumstance known to you or any person purchasing Insurance on your behalf prior to the date and time the trip is booked or prior to the date and time this Insurance is purchased, whichever occurs later, and which eventually prevents or interrupts travel as booked. COVID-19 (Coronavirus) is considered a circumstance known to you or any person purchasing Insurance on your behalf for any policies purchased or trips booked on or after March 5, 2020.

All other terms and conditions remain the same.


Policies purchased or renewed between March 5, 2020 and August 12, 2020

EFFECTIVE MARCH 5, 2020

This endorsement is attached to and forms part of your BCAA Travel Insurance Policy.

IMPORTANT NOTICE:

THERE IS NO COVERAGE FOR ANY TRIP CANCELLATION OR TRIP INTERRUPTION CLAIMS RELATED TO COVID-19 (CORONAVIRUS) FOR POLICIES PURCHASED OR RENEWED ON OR AFTER MARCH 5, 2020.

Your policy wording has been amended as follows:

Under Non-medical Travel Package, under the sub-heading Trip Cancellation & Trip Interruption Insurance, the wording under Exclusion No. 4 has been amended and now reads as follows:

4. Cancellation or interruption caused by or related to a circumstance known to you or any person purchasing Insurance on your behalf prior to the date and time the trip is booked or prior to the date and time this Insurance is purchased, whichever occurs later, and which eventually prevents or interrupts travel as booked. COVID-19 (Coronavirus) is considered a circumstance known to you or any person purchasing Insurance on your behalf for any policies purchased or trips booked on or after March 5, 2020.

All other terms and conditions remain the same.

Policies purchased or renewed on or before August 13, 2021

This endorsement is attached to and forms part of your BCAA Travel Insurance Policy.

IMPORTANT NOTICE

THERE IS NO COVERAGE FOR ANY CLAIMS RELATED TO COVID-19 (CORONAVIRUS) UNDER THE VISITORS TO CANADA TRAVEL EMERGENCY MEDICAL INSURANCE PLAN FOR POLICIES PURCHASED ON OR AFTER APRIL 3, 2020.

EFFECTIVE APRIL 3, 2020

Your policy wording has been amended as follows:

Under Visitors to Canada Travel Emergency Medical Insurance, sub-heading Exclusions, the following exclusion has been added:

Any expenses incurred directly or indirectly as a result of COVID-19 (Coronavirus).

All other terms and conditions remain the same.