Health insurance extended to owner/operator truckers

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TORONTO – Individual commercial truckers have now been assured that they too will have health insurance as they contribute to keeping Canada fed and supplied during the Covid-19 crisis.

The Canada Life and Health Insurance Association confirmed the coverage.

“Measures announced today will allow insurers to take steps so that routine exclusion clauses tied to a Government of Canada “Avoid non-essential travel” advisory will not apply to those employed as commercial truckers,” the CLHIA said.

Last week, life and health insurers clarified that out-of-country medical coverage would continue uninterrupted for commercial truckers covered by workplace, or group insurance policies. But the situation was “less clear for truckers holding individual insurance as the insurers generally do not classify individual travel health policies by employment category,” the association explained.

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In the event a trucker does have to make a claim, the CLHIA said the procedure will be for him/her to identify “as a cross-border commercial trucker at time of claim. Those purchasing new policies will similarly be asked to identify their trade at time of purchase,” it said.

“These changes will apply to all individual out-of-country travel insurance policies containing the specific exclusion for “Avoid non-essential travel” federal travel advisories. Those holding policies with a pandemic exclusion should contact their insurance provider for additional details,” the release advised.

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