Air Canada first out the gate with new COVID-19 related insurance
Staying in Canada but travelling to a different province this summer? Then, yes, you need travel insurance
Once COVID-19 hit full force this spring, Toronto residents Michael Schneider and his wife, Debra, cancelled their plans to see their grandchildren in Calgary and Atlanta, Ga.
While the Canada-U.S. border is still closed to non-essential travel, the Schneiders were able to reschedule their Calgary visit for late July. Along with their airline tickets, they made sure to purchase interprovincial travel insurance.
“We were concerned because of COVID, since we’re retired and no longer have insurance through work,” said Schneider.
They had purchased their tickets with a credit card, so Schneider first checked to see if the medical insurance the card provided included coverage for COVID-19. The bank that issued the card indicated it would, but Schneider wanted to be sure so he contacted the insurer directly and discovered that the bank was incorrect; COVID-19 wasn’t covered.
Interestingly, even prior to the pandemic, the Ontario Health Insurance Plan (OHIP) did not cover all out-of-province medical expenses, but it wasn’t something most travellers considered. According to the Ontario government’s website:
“When you show your valid Ontario health card in another Canadian province or territory, you will be covered for some of the same services you’re covered for in Ontario including:
- physician services (e.g. visit to a walk-in clinic)
- services provided in a public hospital (e.g. emergency, diagnostic, laboratory). Any service or treatment you receive in another Canadian province or territory must be medically necessary for it to be covered by OHIP.”
In response to the Star’s query about COVID-19 coverage, the Ministry of Health responded:
“In keeping with the requirements of the Canada Health Act, the Ontario Health Insurance Plan provides coverage for insured physician and insured hospital services when Ontario residents are temporarily in another province or territory or moving to another province or territory and serving an interprovincial waiting period before coverage takes effect. This coverage does not extend to other services such as ambulance transport, home care, prescription drugs, or additional services that may be funded when the patient is in Ontario.
“Reciprocal hospital billing arrangements exist between all provinces and territories to facilitate payment of these services. For insured physician services, all provinces and territories, except Quebec, participate in a reciprocal medical billing arrangement. If an insured Ontario resident is billed directly for an out-of-province hospital or physician service, they may submit the receipts to the ministry for consideration of reimbursement.”
Schneider and his wife decided to take no chances, especially in these uncertain times. They are members of the Canadian Automobile Association (CAA), so they looked into CAA’s travel medical insurance and discovered that CAA offers a yearly plan for travel within Canada that includes COVID-19 coverage.
Elliott Silverstein, the director of government relations for CAA South Central Ontario, confirmed that their emergency medical coverage plan includes coverage for COVID-19. Orion Travel Insurance underwrites CAA policies nationwide, so wherever in Canada you purchase one, you obtain the same coverage.
By Audrey Carleton
THE CANADIAN PRESS
Like many realtors working Canada’s recreational markets, David Jurek says he’s seen properties move unusually quickly since the start of COVID-19.
The RE/MAX real estate agent in 100 Mile House, B.C. recently listed a $140,000 home in an off-the-grid region where he’s had difficulty in the past: “The last and only sale that we had there took about three years to sell,” Jurek says. “I listed this property thinking, ‘okay, well, this year maybe we’ll get more action.”’
But shortly after listing, Jurek started receiving daily inquiries on the house. Before long, he had three offers on it.
“Some of the stuff that normally would sit, that wasn’t as choice of a property necessarily in the past is now selling very quickly,” Jurek says.
He attributes the quick heat-up in the B.C. recreational property market to COVID-19 lockdown orders, part of a growing trend in which Canadians are looking to vacation property in search of space, an alternative place from which to work remotely or a driveable vacation destination while travel is not an option.
“People who maybe weren’t in the second home and recreational market 1/8before 3/8 are now saying, ‘Hey, we need to do that. If we can make it happen let’s make it happen,”’ Jurek says.
He’s seen month-over-month sales increase by an estimated 30 per cent in his region since the start of the pandemic. And while demand has risen across the market, he says prices have yet to climb to match, so those looking to buy should explore their options quickly.
The same has occurred in the greater Vancouver region, home to the Sunshine Coast and Whistler, according to Colette Gerber, realtor at Sutton West Coast Realty and chair of the Real Estate Board of Greater Vancouver. “Last month we saw a 21 per cent increase in sales,” Gerber says. “So, yes, it looks like vacation homes are now becoming a hot commodity.”
The Muskoka region and other parts of Ontario’s cottage country have seen similar upticks in demand, according to David Reid, sales representative at Enjoy Muskoka Realty in Gravenhurst, Ontario, and former president of the Ontario Real Estate Association. “One of the big drivers really is high speed internet,” he says. “You’ve got such great quality internet now and the paradigms have changed.”
Not every cottage comes with strong cell or web service, of course, and for many this is a non-starter. Those unfamiliar with the area in which they’re shopping should look for a realtor who knows the region well, all three agents suggest.
While this rule typically goes without saying, it’s especially important when searching for lakefront, rural, and two- or three-season properties, which come with their own quirks. In B.C., for example, it’s important to understand the underground system from which a property sources its water, Gerber says. “You need local knowledge to know what the ramifications are, how to deal with a well, how to deal with septic fields,” she says.
And in lake country, buyers should understand the permitting rules and nuances of the specific piece of water they’re looking at. A good realtor with hyper-local knowledge can help with this.
“We do have a lot of waterfront, but it can be very different from one lake to the next,” Jurek says of 100 Mile House. “Are you wanting to buy that second property and be able to waterski or are you just wanting to be able to fish? What lake you back on to 1/8determines 3/8 what you can expect that you can do there.”
Recreational properties also come with their own specific maintenance requirements. While year-round homes have owners’ constant attention, summer spots need an extra set of eyes (and hands, in the event of snowfall) during colder months.
Reid suggests finding a helpful neighbour or enlisting the services of a local road maintenance or cottage sitter program, like Muskoka Cottage Sitters, which typically comes with fees of a few hundred dollars per month but offers owners peace of mind and protection from accidents.
In addition to maintenance fees, prospective buyers should budget for repairs and winter-proofing expenses such as replacing windows, adding insulation, and updating utilities which can run in the thousands depending on what a home needs. Ensuring that a house is protected from winter weather will “keep insurance happy,” Jurek says. “If you don’t follow the proper procedures and you have a problem, you don’t want to be denied the claim.”
While the costs of owning vacation property go far beyond a home’s sale price, first-time buyers shouldn’t be intimidated. Go into the process with eyes wide open, do your research, spend a few days in the area, and ask your realtor as many questions as possible. The more you know about a home, the better.
“The best way to find a vacation home is start driving,” Gerber says. “Go to these areas. Look around.”
The excerpted article was written by
Some travellers are questioning why they are still paying for travel insurance when the Canada-U.S. border remains closed to all non-essential travel due to the COVID-19 pandemic.
Gail Bourne travels to the United States at least twice a year. The Vancouver resident says she bought an annual travel insurance policy with BCAA for $845.21 for coverage between Nov. 9, 2019 and Nov. 9, 2020. However, when the borders shut down this past March, her travel plans were put on hold.
“I just thought it was unfair that I’m paying for something I can’t do,” Bourne said.
Bourne has been a BCAA member for 51 years. She says she reached out to BCAA to cancel her insurance or at least extend her current policy but says she was initially denied.
“I felt slighted. I had been a faithful customer for all these years and they wouldn’t do anything for me,” she said.
Consumer Matters reached out to BCAA on Bourne’s behalf. BCAA told Global News under normal circumstances once a customer uses their annual policy to travel there is no refund, but also acknowledged these are not normal times and states it’s looking at these situations on a case-by-case basis.
Bourne says within days of Consumer Matters reaching out, BCAA agreed to give her a partial refund of more than $400 with her policy still in effect until November 2020.
North Vancouver resident John Rowlands didn’t have the same success when it came to getting a refund for his wife’s travel insurance. She has MEDOC travel insurance, an annual 17-day base travel plan with Johnson Insurance. Her premium is $913 with monthly deductions of $75.31 a month. The policy states it cannot be cancelled until the end of the policy year.
“What are we paying for? It’s supposed to be for travel insurance and yet it means nothing,” he said.
When contacted by Consumer Matters, Johnson Insurance stated:
“Our annual base plans have a fixed one-year term and are designed to cover multiple trips, allowing customers to take advantage of trip cancellation, trip interruption and medical coverage throughout the year. Clients with specific questions about their policy should contact us directly.”
The Canadian Life and Health Insurance Association (CLHIA), which represents life and health insurance providers, says typically an annual travel plan covers an individual for any travel taken over 12 months. In most cases, a policyholder may cancel an annual plan as long as there has been no travel taken in that period.
However, once travel occurs, the plan can’t be cancelled because the plan works by spreading the insured’s risk over the term of the plan. Still, many insurers it says have offered to extend coverage on annual plans during the pandemic.
Once the border opens to non-essential travel, the CLHIA recommends the following for travel outside of Canada:
- Check with insurer to see if your current workplace travel insurance, or the policy offered by the insurer includes treatment related to COVID-19 outside Canada
- Know the entry requirements for the country (eg. 14-day quarantine, COVID-19 tests)
- Ensure travel insurance coverage for entire duration of trip
- Consider purchasing “cancel for any reason” trip cancellation insurance for maximum flexibility
Source: Global News
Melissa Lopez-Martinez CTVNews.ca
TORONTO — As lockdown restrictions are slowly lifted around the world, the travel industry is looking at ways to get Canadians back on board.
While airlines, hotels and cruise ships are eager to open their doors, experts say convincing Canadians to travel again will be a tough sell.
Incentives are being introduced by airlines, resorts and hotels as a way to bring aboard new passengers, according to Allison Wallace, vice-president of communications at Flight Centre Canada.
“We should see better pricing and if not better pricing better value and that can be a room upgrade, it could be resort credits, it could be on board credits for cruise ships,” Wallace told CTV News.
Air Canada recently announced revisions to their goodwill policy that will allow customers of cancelled flights due to COVID-19 the option to receive either a travel voucher with no expiry date or bonus Aeroplan miles.
The airline also promised to reduce airfare for domestic flights as it introduced its new summer schedule including domestic and international flights. However, the airline is on a long road to recovery as it has been down 97 flights from the 220 it had the previous year amid the pandemic.
Tamer Hanna is among the many Canadians who had a flight cancelled because of the novel coronavirus. Hanna’s $5,000 Italian trip was put on hold and he received a credit for the flight but said he wants a refund.
“The travel situation is not going to be the same and its really about the safety of myself and my family at this point,” Hanna said in an interview with CTV News.
Many airlines are also catering to the post-pandemic world by introducing new cleaning measures and reconfigured seating. While these measures can help ensure safer travel, McGill University business professor Karl Moore said they will likely cost more for businesses to stay afloat.
“When you take away the middle seat at best you can get the planes maybe 70 per cent full, but at 70 per cent the planes can’t make money and that’s not a viable business model for them,” Moore in an interview with CTV News.
Travel experts say the new travel incentives are enticing, but the risk remains high. With COVID-19 now a known risk, companies are no longer offering travel insurance to cover the cost if Canadians become ill abroad.
President of Travel Secure Inc. Martin Firestone told CTV News that with no coverage, travellers risk incurring high hospital costs if they catch the virus while travelling.
“Quite frankly if you’re away and that second bout or third bout they talk about hits, you have the dilemma of having no coverage and being stuck in an emergency room in a hospital and you’re paying the tab,” Firestone said.
Industry leaders said travel interest is slowly picking up again, with most Canadians interested in domestic trips.
Some countries plan to welcome tourists next month, but your travel insurance may not cover COVID-19
Wondering when Canadians can start travelling again? Here’s what you need to know
· CBC News
For many Canadians, their most exciting adventure over the past couple of months has been a weekly trip to the grocery store.
But now that provinces are easing COVID-19 restrictions, some people may be contemplating travel abroad.
Here’s what you need to know about travelling outside Canada while COVID-19 still lingers in our lives.
Can I travel now?
Yes, but with a lot of conditions to consider.
On March 13, the federal government issued an advisory against all non-essential international travel, to help stop the spread of the novel coronavirus that causes COVID-19. The advisory remains in effect until further notice.
Despite the advisory, Canadians can still travel abroad. However, they may struggle to find flights and their travel insurance likely won’t cover their medical bills if they fall ill with COVID-19.
International travellers will also have to self-isolate for 14 days upon their return.
The Canada-U.S. border remains closed to tourists crossing by land until June 21. And that date could be extended if the number of COVID-19 cases in the U.S. — now totalling more than 1.6 million — remains a concern.
Where can I go?
Due to closed borders and a fear of flying during the pandemic, airlines have slashed their routes.
WestJet has grounded all transborder and international routes until June 25. Air Transat and Sunwing have stopped flying altogether until June 30 and June 25, respectively.
Air Canada is currently flying at about five per cent of its capacity. On Friday, the airline announced an updated summer schedule that offers flights to 97 destinations including Rome, Athens and locations in the Caribbean.
Once travel restrictions are lifted, airlines will start adding more routes, said Allison Wallace, spokesperson for the travel agency Flight Centre.
But she warns it could take up to two years for carriers to resume normal operations.
“The airlines aren’t going to come back and go to 100 per cent,” she said. “There’s sort of a general agreement that international travel will start to come back around 20 per cent by the fall — like September — and then it’ll grow from there.”
But travellers may face stiff entry requirements. For example, St. Lucia and Iceland will require that visitors get a COVID-19 test before flying and provide proof upon arrival that they’re virus-free. If travellers to Iceland can’t get a test beforehand, the country plans to test them when they arrive.
Airline analyst and McGill University Prof. Karl Moore is set to fly to Iceland in August to teach for a couple of days at Reykjavík University.
But if he can’t get tested in Canada beforehand, Moore is unsure he’ll take the trip. That’s because, if he tests positive for COVID-19 upon arrival, he’ll have to foot the bill for a 14-day quarantine in a Reykjavik hotel. Travellers suffering from COVID-19 can’t fly back to Canada until they recover.
“It’s going to cost me thousands of dollars to be quarantined,” said Moore. “I love Reykjavik, but I may end up teaching [instead] on Zoom.”
What about travel insurance?
Insurance broker Martin Firestone believes that when Canada lifts its advisory against international travel, travel insurance providers may continue to exclude coverage for COVID-19-related illnesses — until there’s a vaccine.
“A person who ends up on a ventilator in the U.S., it could be hundreds of thousands of dollars, so [insurance providers] are in no position to take that risk,” said Firestone, president of Travel Secure in Toronto.