Drug, Health & Travel Insurance

The law on prescription drug insurance provides that if you are established in Quebec and eligible for a private plan, you must cover your spouse and your children.

 Spouse, under the law, means any eligible person who resides in Canada and who, in order to be entitled to benefits at the time of the claim, either:

• Is united to the member through marriage.
• Has lived with the member in a common-law relationship for at least 12 months and has not been separated for 90 days or more due to the breakdown of their union; or:
• Lives in a common-law relationship with the member and had a child with them and has not been separated for 90 days or more due to the breakdown of their union.

Dependent child, under the law, means any qualifying single person who resides in Canada, and who:

• Is under 21 years of age, and over whom the participant or the participant’s spouse exercises parental authority or exercised parental authority until they reached the age of majority.
• Is 25 years old or less and attends, as a duly registered student, an educational institution full-time and over which the participant or the participant’s spouse would exercise parental authority if they were a minor.
• Is of legal age and suffers from a functional deficiency referred to in the regulations for the application of the Régime général d’assurance médicaments adopted by the Government of Quebec, a deficiency which must have occurred when the person’s condition corresponded to what is expected in a) or b), in this definition, and it being understood that to be considered as a person with a functional deficiency, the dependent child must reside with the member or spouse of the member who would exercise parental authority over the disabled person if they were a minor. It is understood that the functional deficiency will be defined according to what is provided for in the regulations of application of any provincial law, as the case may be.

Your insurance plan provides reimbursement for medications. However, some medications must first be authorized by the insurer before being reimbursed under your plan’s terms. To check if a drug requires prior authorization, click here.

Please note that the following medications are not subject to a prior authorization form when you have option 1 or 2 of the FMSQ plan.

• Aubagio
• Avonex
• Betaseron
• Copaxone
• Extavia
• Gleevec
• Tecfidera

For your health and safety, we strongly recommend that you consult the Coronavirus disease (COVID-19) section on the Government of Canada website for travel restrictions, exemptions and advice before making reservations and before you travel. Even if your insurance covers eligible medical expenses, it may be difficult for you to obtain medical care in the destinations covered by the current warnings.

Yes. You are covered for emergency healthcare, including that related to COVID-19, if you are travelling to a destination for which the Canadian government has issued a level 1, 2, or 3 warning. You must meet all other conditions of your insurance (for example, your state of health must be stable before your departure).

The Government of Canada’s four levels of risk and warnings:

• Level 1: Take normal safety precautions
• Level 2: Exercise a high-degree of caution
• Level 3: Avoid non-essential travel
• Level 4: Avoid all travel

If you need to receive emergency healthcare abroad, our helpline will do everything in its power to assist you and guide you to available resources.

Your insurance does not cover any costs for COVID-19 screening tests before or after travel, whether preventive or required by a transportation company, the Government of Canada or any other Canadian or foreign government authority.

Yes. Living expenses (meals, accommodation) will be covered by your travel insurance, according to the terms of your contract. The additional costs incurred by changing the date and time of a plane ticket will be covered if you have trip cancellation insurance.

To find out which regions or countries are affected by a consular notification, visit the Government of Canada website.

You are covered if you wish to cancel your trip due to the issuance of a level 3 or 4 consular notification, if the notification was not in effect at the time of the purchase of your trip and it is still in effect 14 days before your departure. You are also covered if you contract COVID-19 before your departure or if you are denied boarding due to a positive COVID-19 test. You are not covered if you have to cancel your trip or if you are denied boarding due to an unsatisfied requirement (tests, vaccinations, etc.).

The result of a PCR test or a rapid antigen test (rapid test) is accepted. The test must have been administered by a healthcare professional authorized to perform such a test (screening centre, private laboratory, pharmacy, etc.). You must obtain personalized proof of the result and this must be certified by this healthcare professional. For example, a rapid test carried out in a pharmacy by a pharmacist is accepted on presentation of proof certified by the pharmacist. Rapid home tests (self-tests) are not accepted.

Unfortunately, no. Your insurance contract specifies that a travel credit issued by a travel service provider is considered a refund. You cannot therefore be reimbursed by your trip cancellation insurance for this travel credit, even if that is what you would have preferred.

No. It is your duty to know the requirements before boarding and to ensure that you meet them. If you are not vaccinated or you are unable to prove that you have been vaccinated, and proof of vaccination is required for your destination or your conveyance, you cannot make a claim via your trip cancellation insurance. Requirements may vary from country to country, and even from one travel service provider to another. It is therefore your responsibility to find out.

If you are required to quarantine by the health authorities, your living expenses and the additional costs incurred due to the change of date and time of your conveyance ticket are covered by the trip cancellation insurance.