Personal Finance

Insurance claim for Covid Test

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  • Dec 20th, 2020 9:55 pm
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[OP]
Jr. Member
Mar 11, 2018
125 posts
127 upvotes

Insurance claim for Covid Test

Planning for an overseas trip due to personal emergency.

Airlines are stating they need a Covid test report in hand, before they allow boarding.

Shoppers has this for $199 plus HST, here in Ontario.

Looking for feedback from fellow RFDers if anyone has gotten this and successfully applied for reimbursement from insurance company?
10 replies
Jr. Member
Dec 5, 2017
195 posts
154 upvotes
Well, in this part of Ontario I go to one of the local covid test centers setup by our government. And then a few days later I get the results.
Deal Fanatic
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Jan 31, 2006
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Toronto
Spiritwalker2222 wrote: Well, in this part of Ontario I go to one of the local covid test centers setup by our government. And then a few days later I get the results.
International travel need documentation, unlike local when you can check at the website days later. Hence, the cost of $199.
Deal Guru
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Mar 23, 2008
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Edmonton
PeeKayShree wrote: Planning for an overseas trip due to personal emergency.

Airlines are stating they need a Covid test report in hand, before they allow boarding.

Shoppers has this for $199 plus HST, here in Ontario.

Looking for feedback from fellow RFDers if anyone has gotten this and successfully applied for reimbursement from insurance company?
What insurance company do you think should be providing you reimbursement for this? Travel insurance won't, because it's before your trip. Home/Auto insurance is a no-go. You could check with your third party health insurance, if you have any, but you really don't provide any details.

C
[OP]
Jr. Member
Mar 11, 2018
125 posts
127 upvotes
CNeufeld wrote:
What insurance company do you think should be providing you reimbursement for this? Travel insurance won't, because it's before your trip. Home/Auto insurance is a no-go. You could check with your third party health insurance, if you have any, but you really don't provide any details.

C
I was thinking Health insurance, if any. Agree that Travel Home Auto will not provide coverage.
Deal Guru
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Mar 23, 2008
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PeeKayShree wrote: I was thinking Health insurance, if any. Agree that Travel Home Auto will not provide coverage.
You would need to contact your health insurance provider, or at least post the name of it. Different plans cover different things. Pretty sure your provincial plan won't cover it, as it's an optional expense. Just like they don't cover immunizations needed for travel to high risk locations, etc.

C
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Dec 24, 2002
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PeeKayShree wrote: Planning for an overseas trip due to personal emergency.

Airlines are stating they need a Covid test report in hand, before they allow boarding.

Shoppers has this for $199 plus HST, here in Ontario.

Looking for feedback from fellow RFDers if anyone has gotten this and successfully applied for reimbursement from insurance company?
Health plans normally cover tests that are medically necessary but not covered by your provincial plans, would be surprised if a private health plan would cover this.
http://www.heatware.com/eval.php?id=14378
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Deal Addict
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Mar 30, 2004
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Durham Region
No reason not to try claiming it but I'd be surprised if it was covered.
[OP]
Jr. Member
Mar 11, 2018
125 posts
127 upvotes
Thanks for the responses, folks. I'll keep posted what I find from the procider.
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Dec 13, 2016
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Just curious if the airline is requiring a covid test then what are the requirements of the country you are visiting?
Member
Dec 1, 2020
445 posts
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PeeKayShree wrote: Thanks for the responses, folks. I'll keep posted what I find from the procider.
Health plans sometimes cover vaccines for travel so may depend on your plan. I know some vaccines I needed for travel were covered but some not. Oddly, yellow fever was buy the typhoid injection was not. It could be that it's just too new for them to have thought about. Probably health spending account for sure. Good luck. Let us know.
I likely do not care.

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