Westjet‘s COVID-19 Insurance Coverage: Let’s break it down
While we think it’s great that the airlines are now including insurance to protect you, if you should become affected with COVID-19 either whilst travelling on their aircraft, or in destination once off your WestJet flight, please note that the coverage has its LIMITS. Within the limits is where many problems lay when it comes to Insurance products!
- New round-trip bookings including WestJet Vacations packages (excluding U.S.) will be eligible for coverage up to 21 days. (Hidden meaning: travelling for a month? You should buy additional insurance that covers your full travel period)
- New one-way bookings will be eligible for coverage for up to seven days (Hidden meaning: We have many clients that book a one-way ticket for travel to Europe or South America, for extended stays or even longstay holidays. Beware that coverage only runs 7 days and obtain adequate insurance to cover your precise travel dates, destination and needs).
- Emergency medical and hospital costs for outbound travellers if diagnosed with COVID-19 while outside of Canada (excluding U.S.) for up to a maximum limit of $100,000 CAD per insured person. (Hidden meaning: if you’re in ICU in an International hospital, a $100,000 coverage cap can be tight financially, not as tight as medical costs in the USA definitely, but beware that $100,000 can be limiting. We’ve had an experience of a client who incurred a serious infection, which caused brain swelling and client had to be put into an induced coma for 2 weeks while he recuperated. His hospital bill, in Canada, came to well over $250,000! Ensure you have adequate coverage limits, even if you have to buy additional insurance than that which is offered by WestJet).
- Emergency medical and hospital costs for inbound travellers visiting Canada diagnosed with COVID-19 while in Canada up to the maximum limit of $100,000 CAD per insured person. (Hidden meaning: As above)
- Quarantine accommodation costs when the traveller tests positive for COVID-19 on the trip up to $150 CAD per insured person, per day to a maximum of 14 days for inbound and outbound reservations. (Hidden meaning: what kind of room can you find in Dublin, or Rome, or Paris in July for $150CAD/night – judge accordingly, and know that this nightly cap will leave you with limited choices)
- Ambulance transportation and air evacuation costs related to COVID-19, up to the maximum limit of $100,000 CAD per insured person for inbound and outbound guests. (Hidden meaning: MEDIVAC and similar costs one-way to get you back to your home hospital can be extremely expensive; this $100,000 would certainly help ‘towards’ the MEDIVAC costs, but probably won’t cover the full bill, which can run into the multi-000’s range, so again, be aware of cap limits, and the need for additional insurance).
- COVID-19 repatriation costs in case of death of up to $5,000 CAD per insured person for inbound and outbound guests.(Hidden meaning: If you die overseas, and your family cremates you overseas, $5000 should cover getting you home. If your will dictates that your body be repatriated, the costs can easily run over $5000, so be prepared for this cap limitation.)
- One-way economy airfare for the return of one travelling companion and dependent children when air evacuated back home for treatment. (Hidden meaning: None really, but make sure everyone has the same return to home insurance coverage. If you are with numerous family members, ensure everyone has similar ticket coverage).
- COVID-19 related insurance coverage will apply to any eligible itinerary that includes at least one flight operated by WestJet (code 838). You will qualify for coverage regardless of whether your first flight was operated by WestJet or by one of WestJet’s code share partners so long as your booking was ticketed on WestJet and includes a flight operated by WestJet. (Hidden meaning: None. Ensure at least one leg of your ticket is flown by WestJet or its code share partners – which it always will be, if you book a WestJet ticket, even if it’s flown aboard WestJet, or Delta, or Air France or any of Westjet’s code share partners: https://www.westjet.com/en-ca/about-us/airline-partners (If you are uncertain if you’re actually booking a WestJet flight or not, please feel free to contact us.)
- If you purchased your ticket on a WestJet-operated flight from another airline, even if that airline is a code-share partner airline of WestJet, you will not be eligible for coverage.
*Exclusions apply. Not available for travel to, from or through the United States, or for travel including cruises. For full details on coverage, inclusions and exclusions please view or download the Certificate of Insurance and the Summary of Coverage