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Helpful tips for a safe adventure

Dreaming of sandy beaches, walks by the water, and visiting loved ones?

As Canada begins its reopening plan, the desire to travel becomes stronger with each snowy day. With evolving COVID-19 travel requirements, here are some tips for you before beginning your journey.

What do I need before I leave?

The Government of Canada requires all travellers to be fully vaccinated and have their updated proof of vaccination either digitally or printed. For travel within Canada, you do not need a COVID-19 test to board a plane or train if you are fully vaccinated. For out-of-country travel, you can visit the Government of Canada website to get the most up-to-date travel advisories and information on what is needed.

Before you hit the road:

  • Check restrictions in your area and your destination before leaving. Make sure you have all the necessary documents and that you’re up to date on restrictions for testing, safety protocols, etc. Need a copy of your travel confirmation letter?  You can get a copy from the new RTIP plan member secure site. Our new website, and our RTIP on the Go mobile app, lets you easily access your OTIP ID, check your coverage information and premium history, and even lets you update your contact information while you’re on the road. Not sure how to register? Learn how with these step-by-step instructions

  • Carry extra supplies in your carry-on for quick access, such as masks and hand sanitizer. You should also carry extra medication in case your return home is delayed due to travel restrictions or quarantine requirements.

  • Create a travel routine that gives you enough time for the new airport process. The Government of Canada recommends arriving at the airport at least 60 minutes prior to domestic flights and at least two hours before international flights.

What if I get sick with COVID-19 and need to cancel a trip I have planned?

As an RTIP member with health benefits coverage, trip cancellation and interruption coverage are included in your plan.

Trip cancellation insurance may cover you (and any covered dependents travelling with you) if you develop a new medical condition (including COVID-19) before your trip and are unable to travel, provided the cancellation takes place before your departure date. In addition, trip interruption provides coverage if you need to cut your trip short due to a covered situation as outlined in your RTIP contract.

Subject to the terms and conditions as outlined in the contract, you or your covered dependent may be reimbursed for:

  • up to $6,000 per person, per trip, for pre-paid, non-refundable, and non-transferrable, 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.

What happens if I get sick while travelling abroad?

In the event of an illness or medical emergency, you or your covered dependant must call Allianz, our travel assistance provider, as soon as possible. Allianz offers RTIP members 24-hour emergency assistance while travelling. Call 1-800-936-6226 toll free in Canada and the United States. If you are calling from outside Canada or the United States, call collect to 519-742-3556. You can also find this information on your OTIP benefits card.

Will my plan cover me if I am placed in a medical quarantine or government-imposed lockdown while travelling, but not having a medical emergency?

If you or your covered dependant are not having a medical emergency, your plan does not provide any coverage for trip interruption costs (e.g., accommodations, food, or transportation). This is because the plan is intended to protect you if you have a medical emergency.

Emergency means a sudden, unforeseen medical condition that requires immediate treatment and could not have been reasonably anticipated based on your prior medical condition. Emergency means a sudden, unforeseen medical condition that requires immediate treatment and could not have been reasonably anticipated based on a prior medical condition. For more information on emergency coverage, including limitations of exclusions, please refer to your RTIP contract.  

If you or a covered dependant does experience a medical emergency and gets sick while travelling and are quarantined/locked down, you may be eligible for coverage under your emergency Out-of-province/Out-of-Canada benefit. In addition, trip Interruption coverage may cover your costs for food, accommodations, and return transportation home (example: if you miss your originally scheduled flight). This is also subject to the terms of your contract.
Visit to access frequently asked questions regarding your benefits plan and COVID-related changes.

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