无保险不出行,加拿大宏利的COVID-19旅行保险介绍

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疫情之下,每一次出门都是一场不大不小的冒险。行程出现延误怎么办,中途不小心染上COVID-19怎么办,被迫暂留在外地怎么办?这样都是所有旅行者必须面对的现实问题。就以最近的新冠新变种Omicron为例,加拿大政府突然宣布Avoid non-essential travel,也就是说不建议非必要的旅行。这样问题来了,当目的地属于Avoid non-essential travel的话,有些信用卡的旅行保险是不包括在内的。这样一来,相当于你原来所能依靠的旅行保险一下子失去了作用。那么这个时候,你是准备取消行程呢,还是继续行程呢?

太长不看版

首先说明一下,笔者我不是保险经纪,加拿大宏利的COVID-19旅行保险可以直接在网上购买,所以有问题自行去加拿大宏利的直达网站 购买或者查询就可以了。

CoverMe travel insurance

加拿大宏利的COVID-19旅行保险,优点:

  • 价格适中;
  • 可以单次购买(一次旅行),也可以多次购买(一年内多次旅行);
  • 在出行前可随时购买,又或者取消。

包括以下几个选项:

Emergency Medical plan

包括1千万加币以内的紧急医疗保险,适用于看医生,救护车,住院,以及药物等。

Single-trip or multi-trip coverage that can help cover emergency medical expenses (up to $10 million) for:

  • Physician services
  • Ambulance transportation
  • Hospitalization
  • Prescription drugs and more

COVID-19 Pandemic Travel Plan

除了紧急医疗保险,如果因为中途不小心染上COVID-19,需要在当地停留的话,可以保酒店住宿费用。每人每天上限为200加币,每个家庭每天上限为400加币,最长时间为14日。

  • Available to Canadians travelling abroad
  • Provides emergency medical insurance for COVID-19 and related complications (up to $1,000,000 CAD per insured). Plus, if you have received the full course of immunization for COVID-19 that is authorized by Health Canada before your effective date, you are offered up to $5,000,000 CAD for expenses related to COVID-19
  • Provides Emergency Medical Insurance coverage for Non-COVID-19 related medical conditions (up to $5,000,000 CAD per insured)
  • Includes Trip Interruption Insurance benefits in the event of quarantine (up to $200 per insured person per day for your additional and unplanned commercial hotel and meal expenses to a maximum of $2,800 if you are unexpectedly required to self-isolate or quarantine. Family coverage maximum is $400 per insured family per day to a maximum of $5,600)

All-inclusive plan

除了以上所说的,另外包括大家平时都比较熟悉的比如说延误险等。就像上文提到过的,当加拿大政府宣布Avoid non-essential travel的情况下,很多信用卡保险都会不再适用。

  • Emergency Medical coverage
  • Trip Cancellation & Interruption coverage
  • Baggage loss/damage/delays
  • Flight and travel accident

Avoid non-essential travel

那么,一个技术性的问题。当宣布Avoid non-essential travel之后,加拿大宏利的COVID-19旅行保险还保吗?在他们家保险条款 里面能找到这么一条:

25. Any act of terrorism or any medical condition you suffer or contract
when an official travel advisory issued by the Government of Canada
states, “Avoid all non-essential travel” regarding the country, region or
city of your destination, before your effective date.
To view the travel advisories, visit the Government of Canada Travel site.
For claims due to Coronavirus (COVID-19), this exclusion does not
apply. Exception: Treatment for Coronavirus (COVID-19) and related
complications that you suffer or contract while you are on a cruise or
any destination included in your cruise itinerary is not covered if you
have not received the vaccine.
This exception does not apply to children 11 years old or younger who
are not eligible to receive the vaccine, when travelling with at least one
parent or guardian on the same cruise booking who has received the
vaccine.
For claims not due to Coronavirus (COVID-19), this exclusion does
not apply if your medical condition is unrelated to the travel advisory.

当然了,最好的办法,还是跟加拿大宏利的客服确认一下,他们家的网站上面就有电话。

结语

可以预见,之后的几年我们都必须要习惯这种提心吊胆的出行体验。祝大家有一个安全适心的旅程。

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