Last update: April 9, 2021

IMPORTANT NOTE: The information below will be updated as the covid‑19 situation evolves. We invite you to read these questions and answers in light of all available information and communications transmitted by government authorities and their recommendations, which evolve rapidly. We will do our best to update this section on a timely basis to keep you informed of the situation and of our decisions. It is therefore important to consult it regularly.

Assistance and travel cancellation

  • In accordance with the provisions of our group contracts, cancellation insurance covers prepaid expenses to the extent that the insured, at the time of finalizing travel arrangements, is not aware of any event that could reasonably lead to the cancellation or interruption of the planned trip.

    Therefore, no claim for reimbursement will be eligible if the reason for the cancellation is related directly or indirectly to covid‑19. As an example, but not limited to it, a cancellation linked to the following events would not be eligible for reimbursement:

    • A change to the alert level established by the Government of Canada in its Consular Notices (www.travel.gc.ca);
    • A positive result to a covid‑19 screening, or awaiting the result of a screening;

    If the travel agency or airline company offers a credit as a refund, we will deduct this amount from the refund.

    For any questions about our travel insurance and trip cancellation, insureds can contact us at: 1‑877‑875‑4130

  • Since March 19, 2021, insureds travelling to a region where the risk level established by the government of Canada in its Consular Notices as level 3 (Avoid non-essential travel) related to covid‑19, are covered by their travel insurance and assistance benefit.

    Given the current circumstances related to the ongoing pandemic, travel assistance services could however be disrupted.

    Humania will cover admissible health care expenses according to the terms and conditions of the contract, including those expenses associated to a covid‑19 infection.

    To be eligible, the insured must, at the time of departure:

    • Be symptom-free;
    • Not have tested positive for covid‑19, nor be awaiting a screening result;
    • Not have been in contact with a person who has tested positive during a covid‑19 screening within the last 14 days preceding departure.

    The coverage offered excludes all costs related to covid‑19 screening tests (before or after the trip), as well as the hotel costs for any period of quarantine.

    Insureds travelling to a region where the established risk is level 4 (Avoid all travel) remain ineligible for coverage, as per the exclusions of the contract. Should an insured nonetheless decide to travel to a destination subject to a Level 4 notice from the Government of Canada, he or she will not be covered by the insurance policy and travel assistance services.

    If an insured is already in a country or a region when the government issues a Level 4 advisory, the insured must, at his own cost if any applies, take the necessary measures to leave this area as soon as possible. He or she will be covered by the insurance policy and travel assistance services during such period, provided he or she takes reasonable measures to leave that country or region.

Group Insurance: short-term disability

  • The covid‑19 vaccines currently available in Canada have been approved by Health Canada. They are not considered experimental treatments. Therefore, your claim will not be refused under the experimental treatment exclusion.

  • If you are diagnosed with covid‑19 (positive covid‑19 test) and are disabled (unable to perform the main duties of your job, even if you are teleworking), you are eligible for short-term benefits. In this case, we have decided to waive the waiting period.

  • If you have symptoms, have not had a covid‑19 test and are disabled (unable to perform the main duties of your job, even if you are teleworking), you are eligible for short-term benefits. In this case, the waiting period in your contract will apply.

  • If you are quarantined preventively, you are not eligible for short-term disability insurance; you may be eligible for certain government programs.

  • If you must be quarantined because you have been in contact with a person infected with covid‑19, this preventive quarantine will not be considered eligible for disability. You may be eligible for certain government programs.

  • In order to avoid overburdening the healthcare network, Humania Assurance will exceptionally accept the CLHIA simplified form as an initial medical form for claims requests of insured members infected with COVID. We continue to require the initial declaration completed by both the employer and the employee.

  • Short and long-term salary insurance benefits that would be paid during this period could be reduced. These benefits will be assessed based on the last full week worked prior to the onset of disability.

    The reduced benefits will apply only for the period during which the hours of work would have been reduced. If the disability continues beyond that period, benefits may be adjusted upwards based on the insured’s salary prior to the reduction in hours due to covid‑19.

Group insurance – maintaining benefits and renewal

  • Renewals will continue to be processed based on the scheduled date. However, we understand that the exceptional situation we are currently experiencing can complicate the ongoing renewal processes.

    In the event of particular circumstances, you can contact your group insurance advisor, who will contact us to evaluate your options.

  • In order to accommodate your employees, Humania Assurance will temporarily allow members to maintain their benefits, even if their hours worked are reduced below the minimum number of hours to qualify for insurance coverage.

    Humania Assurance offers the following options to plan members:

    • apply the temporary layoff clause provided in the contract for the affected employees.
    • maintain current in force benefits, based on the declared salary, and continue paying the full premium.

    The employer must notify us of the reduction in hours and the affected employees, even if the benefits are unchanged. This information can be sent by email to: adm.coll@humania.ca.

  • In the event of temporary layoffs, coverage for all benefits can be maintained, excluding short and long-term disability benefits, in accordance with the provisions on temporary layoffs of the current contract. We recommend that employers verify their contract, as there can be differences from one plan to another.

    Humania Assurance recognizes that the present situation can bring different needs for employers and insured employees. In the event that the contract clause does not meet these needs, contact your group insurance advisor to evaluate the available options.

  • The waiting period will be suspended during the period of covid‑19 and will continue when the employee meets the minimum required number of hours.

  • The current contract provides a payment delay of 30 days. During the covid‑19 period, an additional 15 days will be made available for a total delay of 45 days.

    We invite you to contact your group insurance advisor to find alternative solutions to help you during this period.

  • You will be able to temporarily suspend the contract, for a maximum period of 120 days. During this period of suspension, no premium will apply, and all guarantees will be suspended. If a disability occurs during the suspension period, it will not be eligible upon reinstatement. You are responsible for communicating the suspension to your employees.

    The contract will be reinstated at the request of the employer, upon resumption of activities. A written request will be required to reinstate your contract. Humania Assurance reserves the right to modify the rates applicable at the end of the suspension period.

    Please note that the suspension option is offered without administrative costs for the employer.

Group Insurance - Value-Added Services

  • All services remain available if the long-term disability insurance coverage is in effect.

  • In accordance with public health guidelines, face-to-face meetings may be replaced by videoconferences or telephone meetings.

  • For more information on the services covered and useful resources related to the covid‑19 situation, click here.

  • All services remain available if the health care coverage is in effect.

  • Some temporary measures have been put in place to counter the spread of covid‑19. As a result, it will no longer be possible for customers to board the tow truck. Consequently, when requesting towing service, the assistance representative will tell the customer to contact a friend or family member to accompany them or to use another means of transportation available at their expense.

Individual Insurance: Claims

  • The covid‑19 vaccines currently available in Canada have been approved by Health Canada. They are not considered experimental treatments. Therefore, your claim will not be refused under the experimental treatment exclusion.

  • To qualify for Disability benefits you must meet the definition of Disability in your policy. However, we invite you to check the eligibility conditions for Employment Insurance.

  • To qualify for Disability benefits you must meet the definition of Disability in your policy. However, we invite you to check the eligibility conditions for Employment Insurance.

  • To qualify for Disability benefits you must meet the definition of Disability in your policy. However, we invite you to check the eligibility conditions for Employment Insurance.

  • Yes. The waiting period specified in your policy applies. Please refer to your policy.

  • Be sure to contact our Customer Service Department to update your condition. An analyst will then be able to determine if you continue to meet the definitions in your contract in order to continue paying your benefits.

    Also be aware that many doctors continue to make appointments with their patients over the phone.

  • In order to avoid overburdening the healthcare network, Humania Assurance will exceptionally accept the CLHIA simplified form as an initial medical form. We continue to require the initial declaration completed by both the claimant and the employer.

Individual Insurance: Eligibility

  • Yes. However, please refer to your contract to find out what conditions apply to situations of unemployment at the onset of disability.

  • You are not eligible. Please refer to your financial security advisor for more information.

Individual Insurance: Administration

  • Premium leave is not offered. However, we assess situations on a case-by-case. Deferral of payment is an option. Please contact our Customer Service.

  • From an administrative point of view, we have taken the appropriate measures to continue to serve you in the best possible conditions during this exceptional period. Our teams are all mobilized for this.

    Our administrative services are open and accessible, but waiting times are likely to be a little longer even though we are doing everything possible to reduce them.