OTIP cares about the health and well-being of our members and has compiled information to help keep you informed. Please review our FAQ below for important information, including:
For the latest information on this developing situation, please visit the Government of Canada’s website: www.canada.ca/en/public-health/services/diseases/2019-novel-coronavirus-infection.html.
Are you a CUPE EWBT member looking for information about COVID-19? You can sign in to GroupNet at www.canadalife.com for news and updates related to COVID-19.
What is the Novel Coronavirus?
The 2019 Novel Coronavirus, or COVID-19, is a new respiratory virus first identified in Wuhan, Hubei Province, China.
Common symptoms include fever, cough, shortness of breath and difficulty breathing.
What can I do to prevent the spread of the virus?
- Wash your hands often with soap under warm running water for at least 20 seconds.
- Use alcohol-based hand sanitizer if soap and water are not available.
- Cover your mouth and nose when coughing and sneezing.
- Avoid close contact with anyone showing symptoms of respiratory illness such as coughing and sneezing.
Should I avoid travel to affected regions?
The Government of Canada has issued a Level 3 global travel advisory to avoid all non-essential travel outside of Canada and has advised Canadians to return home as soon as possible. Visit the Government of Canada’s website for the latest travel advice.
What happens if I get sick while travelling abroad?
In the event of an illness or medical emergency, you, your family member or travelling companion covered under the plan must call Allianz as soon as possible. The phone number can be found on the back of your benefits card. It is important to make the call using a landline phone if possible as your mobile phone may not work.
The 24/7 emergency medical assistance contact centre provides immediate assistance to travellers in their language of choice, such as:
- Referral to local medical care and/or legal assistance
- Monitoring of medical care
- Paying medical bills where possible
- Arranging medical transportation for the patient
- Return home of dependent children
- Communicating with family members
- Assisting with replacing lost or stolen travel documents or tickets
- Arranging for the return of a vehicle
- Returning the remains of the deceased traveller
For more details on emergency travel assistance, please review our article “Going out of country? Take your benefits card with you”.
Does anything change now that the Government of Canada has issued a Level 3 travel advisory for all non-essential out-of-country travel?
We are aware that the Government of Canada issued a Level 3 global travel advisory to avoid all non-essential travel outside of Canada and has advised Canadians to return home as soon as possible.
While other insurers have made changes to their group plans, we can confirm that there there have been no unfavourable changes to any of our existing plans. All of the information on this page continues to be up-to-date.
Is Emergency Medical Coverage being extended?
To ensure that all plan members are able to return home safely, effective March 19, Emergency Medical Coverage has been extended for all of our group plans until April 30. This will help to ensure that all plan members who are currently out-of-country and are trying to get home but nearing their maximum days of out-of-country coverage, will continue to be covered until they can get home safely.
This extension only applies to members whose group benefit coverage was in force (i.e. the maximum number of days has not been reached and plan was active) as of March 19.
Does my Emergency Out-of-Country insurance cover me if I get the coronavirus while travelling?
When travelling, if you (or a covered member of your family) have a medical emergency and get sick (with the coronavirus or another illness), your Out-of-Country coverage will pay for your emergency medical treatments. Your benefits booklet contains details about your Emergency Out-of-Country benefits.
As an employee benefits plan member or an RTIP/ARM member, what happens if I am placed in quarantine by a doctor or public health official while I am travelling?
If you or a family member experience a medical emergency and get sick while travelling and are quarantined/locked down, you would be eligible for coverage under your emergency Out-of-province/Out-of-Canada benefit, subject to the terms of your plan/policy. In addition, Trip Interruption coverage (part of your Emergency Travel Assistance plan) will cover your costs for food, accommodations, and return transportation home (example: if you miss your originally scheduled flight), subject to the terms of your plan/policy.
If you are placed in medical quarantine or are locked down while travelling, but are not having a medical emergency, your plan does not provide any coverage for trip interruption costs. This is because the plan is intended to protect you if you have a medical emergency and get sick. If you are diagnosed as positive for COVID-19 (or another illness) while in quarantine, you are eligible for coverage subject to the terms of your plan/policy.
What happens if I am quarantined by a doctor or public health official or am locked down, but I’m nearing the maximum number of days eligible for coverage while out-of-country?
If you are quarantined/locked down but nearing the maximum number of days of eligible coverage, your Emergency Out-of-province/Out-of-Canada coverage will be extended until you are stable, released from quarantine and able to secure safe passage home.
This applies as long as you are under quarantine/locked down – whether you have been diagnosed or not, and have not been out of the country for more than the maximum number of days allowed by your plan, as of March 19. Coverage is based on the specific terms of your plan/policy.
The Government of Canada issued a Level 3 global travel advisory to avoid all non-essential travel outside of Canada and has advised Canadians to return home as soon as possible.
If you are a member of an employee group benefits plan, your plan does not provide Trip Cancellation.
RTIP/ARM Members Only:
Can I cancel my trip due to the Government of Canada’s global Level 3 Travel Advisory?
Trip Cancellation/Interruption coverage is included in your plan. If you wish to cancel travel due to Government of Canada related travel advisories, coverage only applies if your travel was booked prior to the Government of Canada issuing a Level 3 or Level 4 travel advisory for your intended destination.
Please note that the Government of Canada’s travel warning regarding cruise ships is considered a Level 3. Therefore, as long as the trip was booked before the advisory took effect, RTIP/ARM members are covered under the Trip Cancellation benefit.
What if I get sick with COVID-19 and need to cancel a trip I have planned? Do I have coverage?
As an RTIP/ARM member, your Trip Cancellation benefits would typically allow for coverage where you (or your travel companion) develop a new medical condition (including COVID-19) and are not able to travel, subject to the terms of your contract and provided the cancellation takes place before your departure date.
The following Trip Cancellation/Interruption coverage is included in your plan if you meet the criteria outlined above and as detailed in your benefits booklet:
- Up to $6,000 per person, per trip, for pre-paid, non-refundable, unused expenses if you are unable to travel or continue to travel as a result of death, illness, or serious injury to yourself or a family member.
- Return airfare in the event of trip interruption
Further details of what’s covered in your deluxe travel insurance can be found on our website and in your benefits booklet.
How do I make a claim to cancel my trip?
Please follow the steps below to submit a Trip Cancellation claim:
- Visit the Forms page and open the Extended Health Benefits Claim Form
- Complete the form and attach the following documentation:
- Reason for travel
- Travel dates
- Reason for cancellation
- If because of travel advisory, this simply needs to be stated.
- Please ensure you have notified all travel service providers of the cancellation in order to avoid forfeiting any credits or refunds for which you may have been eligible.
- If due to illness, injury or accident, please provide a letter from a physician outlining the nature of the patient’s illness and the medical reasons why the patient is unable to travel, including the estimated date they will be fit to travel again.
- A copy of the trip itinerary
- Original unused tickets, vouchers, etc.
- Original receipts for all pre-paid travel expenses being claimed
- Documentation that all of the pre-paid travel expenses are non-refundable, eligible for credit or in the case of airline tickets, changeable to another travel date for a small fee. Only the change fee would be eligible. As a rule, the change fee amount cannot exceed the original cost of the ticket.
- Original receipt showing the change fee has been paid, if applicable.
Air Miles/Rewards Programs:
Expenses paid using rewards points are not eligible under the plan. Any costs incurred to recover rewards are also not eligible for consideration.
If you book a trip with rewards points (e.g. Air Miles or Aeroplan) and subsequently cancel the trip, only the prepaid expenses paid with ‘cash’ would be eligible for consideration (e.g. taxes and booking fees).
All Trip Interruption claims, including those related to illness or medical emergency or those related to a travel advisory, must go through Allianz as soon as possible. The phone number can be found on the back of your benefits card. For more details on emergency travel assistance, please review our article “Going out of country? Take your benefits card with you”.
If you are a member of an employee group benefits plan, Trip Interruption coverage only applies if you get sick or injured while you are travelling. Please refer to your benefits booklet for specific coverage details.
If you are a retired member with RTIP/ARM health insurance, and you wish to come home early from a trip due to the Government of Canada’s Level 3 travel advisory issued after your departure date, you can be reimbursed for expenses to travel home and unused expenses, subject to the terms of your plan.
Why will my pharmacy only dispense a 30-day supply of my medication?
On March 17, the Canadian Pharmacists Association recommended that all pharmacists across Canada dispense a 30-day supply of medication for patients, unless clinically justified. We understand you may be worried about having an adequate supply of medication on hand. However, this recommendation was made to protect the supply of prescription medication available to all Canadians during a crisis like COVID-19. For most people, a 30-day supply of medication is enough to last through a COVID-19 quarantine, since the length of the quarantine is 14 days. We know you might be accustomed to having your prescriptions filled in larger amounts, but we are all being asked to work together at this difficult time.
A pharmacist’s first priority is the health and safety of their patients; therefore, we encourage you to discuss your unique health and medication needs with your pharmacist. Remember, most pharmacies will deliver medications, so there’s no need to leave home for refills if you don’t want to.
If you are a member of an employee benefit plan, your Employee Life and Health Trust has temporarily turned off the limit on the number of dispensing fees per 12-month period for maintenance medications. This is to ensure members can continue to access the medications they need, without incurring the full cost of the additional dispensing fees.
Why can’t I refill my prescription early, or stock-up in case of emergency?
Manulife, the insurer of your group benefits plan, and many other insurance companies are not changing the rules for early refills of prescriptions. Currently, people who take maintenance drugs can get up to 3 months’ supply. Manulife has taken this position to protect the medication supply in Canada and help make sure all Canadians have access to the prescriptions they need.
If you have any concerns about your medications or if you are sick at home and in need of your medications, the Canadian Pharmacists Association recommends calling your pharmacist. Many pharmacies offer a delivery service to help patients get their medications when they can’t leave their home.
Are virtual appointments covered under my plan?
We recognize that during these unprecedented times, some service providers are offering virtual appointments to clients. Virtual appointments will be covered under your group benefit plan, provided the practitioner is:
- Licensed and registered in the province in which they are practicing
- Providing services within the scope of the provider’s license
- Practicing within the guidelines of their governing body (i.e. service by phone or other electronic device is approved by the practitioner’s governing board)
Based on the provincial guidelines today, eligible expenses for virtual appointments will be considered for the following services, subject to the terms of your plan:
- Occupational therapist
- Clinical Counsellor
- Marriage & Family Therapist
- Social worker
- Speech therapist
Please note that guidelines around the type of services allowed as well as specific protocols in providing virtual therapy are variable by governing body. We recommend that you speak with your professional to get clarification on the specific services they can render online.
This FAQ is intended to provide plan members with general information regarding their coverage in relation to COVID-19 inquiries. It is not intended to be comprehensive. If there is discrepancy between the information in this guide and the benefits booklet, the terms and details of the benefits booklet apply. Please refer to your benefits booklet for full plan terms and details or call OTIP Benefits Services at 1-866-783-6847.To email OTIP, please visit the Contact Us page and select ‘send us an online note’ for instructions on how to send a secure email to Benefits Services.