Travel Insurance and COVID-19
We have received several questions regarding the emergency travel insurance coverage for travel outside the province of New Brunswick.
First, we wish to reiterate that as of now, COVID-19 illnesses are not excluded as a covered condition under your travel insurance if you contract the illness while travelling outside of NB.
A claim for COVID-19 will be treated the same as any other unexpected illness you may experience while travelling. However, the standard pre-existing medical stability clause also applies to COVID-19, and if you have tested positive in the 90 days preceding your departure date, any future COVID-19 claims while travelling may not be covered. We do not have any expectation that this will change, but if it does in the future, we will communicate this immediately.
Since the opening of the Atlantic Bubble, questions have arisen regarding travel insurance coverage if any illness is experienced while travelling to another province. All four Atlantic provinces have reciprocal arrangements in place so that if you become ill and require a visit to a doctor or hospital, you will not be required to pay any medical bills, nor will you have to contact Allianz to file a claim. The province you have travelled to will bill NB Medicare behind the scenes. This holds true for all Canadian provinces, with the exception of Quebec, where some services may not be covered by their provincial medicare system.
If you are planning on travelling outside Canada, we suggest that you consult the Canada Travel Advisory website https://voyage.gc.ca/voyager/avertissements before booking any travel. These are advisories, and please note that Manulife Financial has not excluded coverage for these locations.
Johnson Insurance also sells an individual travel insurance called MEDOC, and this program has nothing to do with the NBTF Group Insurance Plan.
Please contact Johnson directly for all questions or concerns at 1-888-851-5500 or fredericton@johnson.ca.