Enhanced COVID-19 Coverage for Vaccinated Travellers

Emergency medical coverage up to $5,000,000 CDN per insured is available now with our Specialized COVID-19 Pandemic Travel Plan

Travel Insurance for CARP Members now has better coverage for expenses related to COVID-19 for travellers who are fully vaccinated on out-of-country travel, including to countries with a Government of Canada Level 3 Travel Advisory related to COVID-19, and cruise vacations when the Level 4 Travel Advisory has been removed. Look for available coverage and limits in the chart below, and sample policy wordings posted on this page for your review.


Emergency Medical Coverage for COVID-19 and related conditions after a positive test result while at your destination, including Emergency Air Transport to return you home.

Up to a combined maximum of $5,000,000 CDN on a land or cruise vacation:

  • for covered expenses unrelated to COVID-19
  • for covered expenses related to COVID-19 if insured has been fully vaccinated

Up to $1,000,000 CDN on a land vacation:

  • for covered expenses related to COVID-19 if traveller has not been fully vaccinated

No COVID-19 coverage on a cruise vacation if insured is not fully vaccinated.

Quarantine expenses after a COVID-19 positive test result, denied entry or contact tracing in destination.

Up to $150 CDN/day to a maximum of $2,100 CDN per person, or $300 CDN/day up to $4,200 CDN per family (to a maximum of 14 days).

Expenses to return home if quarantined or self-isolated beyond original return date.

Up to $500 CDN for the cost of a one-way economy class airfare to return home.

We encourage you to follow the recommendations of the Government of Canada and medical professionals around the world during these uncertain times. But if you choose to travel, be assured that we’re here for your protection.

Our COVID-19 Travel Plan

Can Only Be Purchased By Telephone

Our licensed travel insurance specialists can offer a no-obligation quote, explain your options, answer your coverage questions, and help you with your purchase, all by phone in just minutes.

Call toll-free: 1.877.566.1417, Monday to Friday 8:30am to 8:00pm, Saturdays until 5:00pm EST.

Choosing travel insurance protection is one of the most important decisions you’ll ever make – even more so during a pandemic. Always read the fine print and ask questions BEFORE you purchase.

TRAVEL UPDATES: Click here to review the Government of Canada’s Coronavirus (COVID-19) Travel Advisories.

How COVID-19 Affects our Current Travel Choice 2 Single-Trip and Multi-Trip Emergency Medical Plans

$10 Million Coverage Available When Travel Advisories Are Lifted

Our Travel Choice 2 Single-Trip and Multi-Trip Emergency Medical Plans will cover COVID-19 related expenses for in-Canada travel. And while you can purchase emergency medical coverage for out-of-country travel, due to the Government of Canada Level 3 Travel Advisory to Avoid Non-Essential Travel to ALL international destinations, currently there are exclusions in place for expenses related to COVID-19. There are also exclusions in place for all Trip Cancellation & Interruption Insurance policies, whether travelling in Canada or to an international destination.

When the Government of Canada Travel Advisories are lifted, COVID-19 related expenses WILL be covered by our Travel Choice 2 out-of-country emergency medical insurance policies to a max. of $10 million CDN.

CURRENT RATES EXTENDED: The rates we introduced in 2019 for our Travel Choice 2 Single-Trip and Multi-Trip Emergency Medical Plans will be in effect at least until July 31, 2021. So wait and buy when you feel comfortable to travel again. And remember, even after you buy there’s no penalty to change your travel dates prior to departure.

Planning to travel outside of Canada? Read the advisories, understand the risks.

CARP members, if you choose to travel during the pandemic, we urge you to do your due diligence to help protect yourself before and after your trip.

Even with travel insurance coverage for expenses related to COVID-19, it may be difficult to access vital medical services if you travel out-of-country during the pandemic.

To help you stay informed, we’ve posted the latest Government of Canada travel advisories and advice in the banner above.

And recent Senior Safety Tip from Sergeant Bob reminded CARP members to avoid sharing travel information on social media. Learn more.

Your Protection Is Our Priority
Jump Right In

You’ll be protected with 24/7 worldwide emergency assistance and up to a $10 million dollar policy limit.

Dedicated case managers answer your assistance calls and ensure appropriate care is being received, while medical staff interact directly with doctors at the hospitals our policyholders are attending.

Medical concierge services provided by StandbyMD: telephone access to a qualified physician anywhere you travel, with additional services offered in the US.

For more on assistance and StandbyMD, click to read Sample Policy Wordings.

Our Plans Fit Your Travel Plans
Brave Explorer
  • Single-Trip Emergency Medical: from 1 to 212 days out of province. Exclusions are currently in place for expenses related to COVID-19.
  • Multi-Trip Emergency Medical: for trips of 4, 10, 18, and 30 days, travelling two or more times per year. Exclusions are currently in place for expenses related to COVID-19.
  • Non-Underwritten: 1 to 15 days out of province.
  • Non-Medical: all-inclusive medical plan add on.

For complete plan details, click to read Rate Card and Sample Policy Wordings.

Yes, We’ve Got You Covered!
A Fall Walk
  • Three Health Categories: for applicants 60-plus.
  • No Medical Questionnaire: for age 59 or under.
  • Personal Underwriting: available when required.
  • Pre-Existing Conditions: details in our policy.
  • Medical & Non-Medical Benefits: may include doctor fees, hospital accommodation, emergency transport, trip cancellation, pet return and more.

There’s no medical exam required upon application. You can answer health questions over the phone!

Click to read Sample Policy Wordings for coverage details and/or restrictions*.

CARP Membership Has Its Perks
Skiing Trip
  • CARP members are eligible to receive extra premium savings on single-trip and multi-trip emergency medical plans. Please see our rate card for more details.
  • Ask our licensed brokers for details about our new Trip Break option.

Our licensed brokers are committed to you. They’ll help with medical declarations and will recommend coverage based on your health and travel plans.

For more member benefits*, click to read Rate Card and Sample Policy Wordings.

Planning to Travel Inside Canada?
Jump Right In
  • In-Canada Emergency Medical Plans: available only if travelling in Canada for your entire trip. You’ll save 50% off our posted rates, and WILL be covered for COVID-19 related expenses.
  • Please call 1.877.566.1417 for details.

Travelling to another Canadian province? Yes, you should have travel insurance.

Government health insurance plans do NOT cover all of the medical expenses you may incur while travelling in Canada. The reciprocal agreement for services between the provinces and territories is only equal to the coverage provided in your home province or territory. And it differs across Canada.

Some plans will not cover ambulances, specialists, x-rays, emergency dental or prescription drugs outside your province of residence. And there are exclusions for all non-medical expenses, including travel expenses associated with trip interruption.

Travelling inside Canada without insurance is not as financially risky as venturing out-of-country without coverage, but your incurred costs could certainly be substantial. Just an air ambulance back to your home province can cost you as much as $20,000.

To learn what may or may not be paid for outside your home province or territory, Click Here.

CBC News · Nov 27, 2020

Ontario woman shocked to receive $12K air ambulance bill after Nova Scotia emergency

To read the CBC News article, Click Here

We welcome travellers who are not yet members of CARP!

A national, non-profit organization, “CARP advocates for better health care and financial security for Canadians as we age and gives its members access to great benefits and discounts”. To learn more about CARP, please click the CARP logo at the top of this page.

As CARP’s recommended and trusted provider since 1993, The McLennan Group Life Insurance Inc. is a 100% Canadian owned, nationally licensed all-lines brokerage. And we’re 50-plus insurance specialists. So even if you’re not a member of CARP, call us at 1.877.566.1417 and we’ll work to offer a coverage solution for your needs.