Skip Ribbon Commands
Skip to main content
Sign In
OMA Insurance
Not for profit. All for doctors.
HomeGet a QuoteMeet your Advisors | Making ClaimsWhat’s NewContact Us Print Friendly and PDF

COVID-19: OMA Insurance is Here to Assist You

We're ready to help
COVID-19: OMA Insurance is Here to Assist You
OMA Insurance
3/20/2020
As cases of COVID-19 continue to be reported worldwide, you may have questions regarding how your travel plans or your practice may be impacted. OMA Insurance is here to support you, and here’s how your coverage can help.

Members with the following coverages may receive support through their OMA Insurance policies:

The information below is subject to change based on CLHIA, Sun Life And New York Life policies.

General

Who do I call with questions about any of my coverages?

Emergency Travel Medical under OPIP or OMA Health Benefits

Allianz Global Assistance - 24/7 assistance

Canada & US 1.800.511.4610

All other locations 1.519.514.0351 (call collect)

Fax 1.519.514.0374

RSA Travel Insurance (Global Excel Management)

Canada & US 1.855.640.9152

All other locations 1.819.780.0555 (call collect)

OMA Disability Coverage

Sun Life 1.800.758.1641 Option 2

OPIP and OMA Group Health Coverage

Sun Life 1.800.361.6212

Security Evacuation Coverage/Trip Cancelation/Interruption

CHUBB Life Insurance 1.877.772.7797

Office/Clinic Coverage

HUB International 855.662.0511

OMA Insurance

info@omainsurance.com or 1.800.758.1641

COVID-19 pandemic is causing me to experience financial hardship. Can OMA Insurance help me?

Yes, we are here for you on all your OMA group insurance policies. Please contact OMA Insurance at 1.800.758.1642 or email us at info@omainsurance.com for assistance.

We are also here for you through our partners. If you have home and auto insurance through The Personal and need to review your options, please contact The Personal at 1.888.785.5502 or omainsurance@thepersonal.com. If you are working from home, The Personal may also consider a reduction to your automobile rates.

If you have Office/Clinic coverage, please contact HUB International at 1.855.662.0511 or OMA@hubinternational.com

I am experiencing financial hardship due to the pandemic. What public resources are available to me?

The federal government has implemented several measures to assist Canadians who are experiencing financial hardship due to the pandemic. Information on assistance programs for individuals, families and businesses is available here.

I’m experiencing stress. How can OMA assist me?

We know that this is a difficult time for you. In addition to support through OMA Insurance, your Physician Health Program is ready to help. Here's a link to resources available to you during this stressful time. Be sure to watch the video of Dr. Albuquerque speaking about coping with stress caused by COVID-19.

I have questions about saving for retirement. Can OMA Insurance help?

Absolutely. We’ve designed the Advantages Retirement Plan to help physicians save for retirement even during periods of market volatility. To learn more about the Advantages Retirement Plan, book an appointment to speak to your OMA Insurance Advisor, or email us at retire@omainsurance.com.


I need to apply for insurance. How can OMA Insurance help me?

I need to apply for disability insurance. How can OMA help me?

OMA Insurance has a suite of disability products available to meet your needs. For OMA Group Disability, we’ve arranged for our partnering insurer Sun Life to consider issuing limited coverage, in many cases, without the medical tests usually required. In addition to OMA Group Disability coverage, we can also arrange for you to have individual disability coverage through Canada Life, Manulife or RBC insurance without medical tests. Speak to your OMA Insurance Advisor about options that best suit your needs.

I need to apply for life insurance. How can OMA help me?

OMA Insurance has a suite of life insurance products to meet your needs.

If you or your spouse needs life insurance, we can help. We’ve arranged for our partnering insurer New York Life to consider issuing limited coverage, in many cases, without the medical tests usually required.

We also offer individual life insurance through RBC, Manulife, Canada Life, Industrial Alliance and Canadian Protection Plan (CPP). If you are under age 50, you could qualify for up to $1,000,000 without medical tests. Contact your OMA Insurance Advisor to discuss the option that best suits your needs.

I want to get Critical Illness coverage. Does OMA offer this?

Yes, we do.

If you or your spouse needs Critical Illness insurance, we can help. We have group and individual Critical Illness. You will need to answer some medical questions, but in most cases, medical tests such as blood tests or paramedical exams won’t be required. Contact your OMA Insurance Advisor to discuss the option that best suits your needs.



Disability Policy 2718, 59997 or 17849

Disability Insurance is designed to replace income lost due to illness or injury.

I have been exposed to the virus and have chosen to self isolate. Will my disability benefit pay me?

No. Physicians who have self isolated, but not have not been diagnosed, nor have symptoms of COVID-19, are not considered disabled.

I am self isolating because I am experiencing flu like symptoms but have not been diagnosed with COVID-19. Will my disability benefits pay me?

Yes, however you must satisfy the elimination period. Your elimination period may be 30, 60, 90, 120, 180 or 365 days, (policy 2718 has a 14-day elimination period.) Please review your Certificate of Insurance to confirm the Elimination Period selected when you obtained your coverage.

I am under quarantine because I have been diagnosed with COVID-19. Will my disability benefits pay me?

Yes, however you must satisfy the elimination period. Your elimination period may be 30, 60, 90, 120, 180 or 365 days, (policy 2718 has a 14-day elimination period.) Please review your Certificate of Insurance to confirm the Elimination Period selected when you obtained your coverage.

I have closed my clinic as a safety precaution. Will my disability benefits cover me?

No, your disability coverage is designed to cover your loss of income in the event you are sick or injured. Income stabilization is a broader discussion between OMA and the Province and does not fall under the Insurance mandate.

I have self isolated and have no symptoms. I am attending to some patients through Skype/Telephone however, I have had a loss of income. Am I eligible for disability benefits?

No. A disability claim would not be payable as you have not been diagnosed with COVID-19 and have no symptoms.

I have self isolated as I am exhibiting flu like symptoms. I have satisfied my elimination period. I am attending some patients through Skype/Telephone however I have had a loss of income. How will my disability benefit be affected?

Since you continue to work, your claim will be considered a residual claim, meaning your disability payment will be reduced by any earnings.

I have been diagnosed with COVID-19 and placed under quarantine. I am attending to some patients through Skype/Telephone however, I had a loss of income. How will my disability benefit be affected?

Your claim will be considered for Residual Disability benefits, meaning your payment will be adjusted based on your earnings. However, you must satisfy the elimination period. Your elimination period may be 30, 60, 90, 120, 180 or 365 days, (policy 2718 has a 14-day elimination period.) Please review your Certificate of Insurance to confirm the Elimination Period selected when you obtained your coverage.

I’m currently disabled and on a Return to Work program, but I cannot return to work because I am quarantined. Will I be covered?

Your claim may continue to be payable. Please connect with the case manager assigned to your case to discuss.

I have Guaranteed Insurability Benefit (GIB) rider on my plan. Can I exercise the benefit if I have been diagnosed with COVID-19 or am experiencing flu like symptoms?

Yes, you can exercise the GIB rider.

Who do I contact if I need to submit a claim?

Contact Sun Life Financial at: Sun Life 1.800.758.1641 Option 2.


Professional Overhead Expense (POE) Coverage Policy 20638 or 20647

I have closed my clinic to self quarantine. Will my POE pay for my business expenses while my clinic is closed?

No, your POE coverage is designed to cover your business expenses while you are disabled. Quarantine is not considered a disability.

Income stabilization is a broader discussion between OMA and the Province and does not fall under the Insurance mandate.

I have been exposed to the virus and have chosen to self isolate. Will my POE benefit pay for my business expenses while I cannot work?

No, physicians who do not have symptoms of COVID 19 and choose to self isolate are not considered disabled.

I am self isolating because I am experiencing flu like symptoms but have not been diagnosed with COVID 19. Will my POE benefits pay for my business expenses?

Yes, however you must satisfy the elimination period. Your elimination period may be 14, 30, 60 or 90 days. Please review your Certificate of Insurance to confirm the Elimination Period selected when you obtained your coverage.

I am under quarantine because I have been diagnosed with COVID 19. Will my POE benefits pay for my business expenses?

Yes, however you must satisfy the elimination period. Your elimination period may be 14, 30, 60 or 90 days. Please review your Certificate of Insurance to confirm the Elimination Period selected when you obtained your coverage.

I have closed my clinic as a safety precaution. Will my POE cover my business expenses?

No, your POE coverage is designed to cover your business expenses in the event you are sick or injured.

Income stabilization is a broader discussion between OMA and the Province and does not fall under the Insurance mandate.

I have self isolated as I am exhibiting flu like symptoms. I have satisfied my elimination period. I am attending some patients through Skype/Telephone however I have had a loss of income. How will my POE benefit be affected?

Your claim will be considered for Residual Disability benefits, meaning your payment will be adjusted based on your earnings. However, you must satisfy the elimination period. Your elimination period may be 30, 60, 90, 120, 180 or 365 days, (policy 2718 has a 14-day elimination period.) Please review your Certificate of Insurance to confirm the Elimination Period selected when you obtained your coverage.


OMA Office/Clinic Coverage

I have shut down my clinic because of the pandemic. Will my Business Interruption benefit cover my business expenses?

I have shut down my clinic because of the pandemic. Will my Business Interruption benefit cover my business expenses? The OMA clinic program insurance policy includes business interruption coverage that is triggered by a direct physical loss at the premises and a sub-limit for extra expenses incurred to continue operation away from the premises if the clinic is closed by a public health or statutory authority. The program insurer (Novex) has taken the standard insurance industry position that COVID-19 is not a direct physical loss. HUB International, our broker, is accepting claims from members, taking into consideration past or future court rulings that may support Novex reconsidering claims decisions.

If you have questions or wish to submit a claim, contact HUB International at 1-855-662-0500 or oma@hubinternational.com.

Will my Office/Clinic help me if I must relocate my office?

There is Outbreak Extra Expense coverage under the Office/Clinic coverage for instances where a physician needs to relocate their office due to a closure ordered by a public health or other statutory authority.

  1. This will cover additional expenses (over and above daily operating expenses) to allow you to continue to operate as close as possible to normal operations. Examples could include overtime, rent on alternate facilities, additional equipment, etc.
  2. The insured clinic operation noted on the policy must be closed by a public health or any other statutory authority as a result of a notifiable communicable disease for coverage to be triggered.
  3. The limit is $500 per day, for a maximum of 20 days or for the “period of suspension” as defined – whichever is earlier

Who do I contact to find out more information or to submit a claim for Outbreak Extra Expense?

Contact HUB International at 1.855.662.0511.

Based on the above, HUB cannot definitively advise if there will be coverage for business interruption or extra expense in your case, however we encourage you to contact HUB should you wish to make a claim with Novex. HUB will guide you through the process and advocate on your behalf.

Please note that a voluntary closure by a clinic as a result of the COVID-19 outbreak would not trigger business interruption or extra expense coverage under the OMA clinic program.

Will my Cyber Liability coverage still be in force if I must relocate my office?

Cyber Insurance coverage will follow the your or the clinic’s operations. If you have to relocate operations, the cyber policy would respond to a breach at this alternate location.

NOTE: if your clinic insured under the OMA clinic program is relocating, we encourage you to contact HUB International’s OMA team ASAP at 1.855.662.0511 to advise of the new premise location.


OMA Insurance Clinic Staff Benefits

I have OMA Insurance Clinic Staff Benefits and I have questions regarding laying off staff or reducing their hours. Where can I get some information?

Contact Bespoke HR Services at 1.416.459.8078 for free advice on any Human Resources issue.

If I lay off my staff, what happens to their benefits?

Contact Beneplan at 1.800.387.1670 or email admin@beneplan.ca for questions related to coverage eligibility for your staff.


OMA Priority Insurance Plan (OPIP) Policy 50131

Members with OPIP coverage will be supported through provisions for Emergency Medical Travel Insurance provided through their OPIP Health/Health Plus coverage. This coverage is administered by Sun Life with medical assistance provided by Allianz Global Assistance, as well as Trip Cancellation and Interruption Coverage administered through CHUBB Insurance.

Emergency Medical Travel Insurance

The Canadian Government has advised that all Canadians abroad should return to Canada as soon as possible. We understand that people are experiencing difficulty obtaining flights home either because the host country is not allowing flights in or because airlines have cancelled flights. OMA Insurance is committed to supporting members and their families through these challenges and we are here to help you.

Emergency Medical Insurance will cover medical expenses including hospital and physician fees incurred as a result of a medical emergency. Coverage is in force for 90 days from date of departure. (30 if you are age 70 or older.)

NOTE: Emergency Medical Travel Coverage is in force for those who have departed PRIOR to any travel advisory being issued. If you departed AFTER a travel advisory, your coverage is not in force.

I am out of the country. Will I be allowed back into Canada?

Currently all Canadian residents will be allowed back into the country. The Canadian Government has advised that all residents should return to Canada as soon as possible.

I am out of the Country, but I can’t get a flight back to Canada. I will soon pass the 90-day limitation. What will happen to my emergency medical coverage?

Contact OMA Insurance/Sun Life Financial to discuss your situation.

I am out of the country but don’t want to come back because I feel I am safer staying put. Will my emergency medical coverage continue?

The Canadian Government has advised that all Canadians abroad should return to Canada as soon as possible. If you choose to not return home, your Emergency Medical Travel Insurance will not cover you past the day limitation.

I am out of the country but cannot return because I am experiencing flu like symptoms. Will my Emergency Medical Travel coverage continue?

If you are experiencing illness, we encourage you to contact Allianz for directions on seeking medical attention. They will assist you with managing your medical situation, from finding a clinic or hospital to making payment directly to the treating provider. It is important that you reach out to them as soon as you experience symptoms. If you are unable to travel because of your illness, your coverage will continue until such time as you are able to safely return to Canada. Allianz will assist you with safe transportation home.

Contact Allianz at:
Canada & US 1.800.511.4610
All other locations 1.519.514.0351 (call collect)

Is there anything else I should do to help me stay safe while I’m out of the country?

Sign up with the Registration of Canadians Abroad service to stay connected with the Government of Canada in case of an emergency abroad or an emergency at home.


Security Evacuation Coverage Administered by CHUBB

I have OPIP coverage and I see that Security Evacuation Coverage is included. I can’t get a flight home because of the pandemic. Will the Security Evacuation Coverage assist me?

No. A pandemic is not considered a security issue, rather it is a medical issue.

What is covered under the Trip Cancellation/Interruption Benefit through CHUBB?

Trip Cancellation Benefit

The following are considered covered expenses:

  • any cancellation charges imposed by a travel agency, tour operator, or other recognized travel supplier for the covered trip.
  • any prepaid, unused, non-refundable airfare and sea or land accommodations; and
  • any other reasonable additional trip expenses for travel, lodging, or scheduled events that are prepaid, unused, and non-refundable.

Trip Interruption Benefit

The following are considered covered expenses:

    the death of a Family Member; or
  • the unforeseen Injury or Sickness of the Insured Person or an Immediate Family Member. The Injury or Sickness must be so disabling, as determined by a Physician, as to reasonably cause a Trip to be interrupted; or
  • substantial destruction of the Insured Person's principal residence by fire or weather related activity.
  • Cancellations or interruptions due to endemic or epidemic diseases or global pandemic disease as defined by the World Health Organization are not generally cover) expenses. Please reach out to CHUBB or OMA Insurance to discuss.

I am travelling outside Canada. Will my Security Evacuation Coverage be in force even though there is a travel advisory?

Yes, if you departed prior to the Travel Advisory, your Security Evacuation will assist you in the event you need to be evacuated due to a situation not related to the COVID-19 pandemic. Please be aware that due to the pandemic, accessibility may be limited. It is recommended that you follow the recommendation of the Canadian government and return to Canada as soon as possible if you are able to do so.

My flight has been cancelled and I can’t get home. Will my Trip Cancellation/Interruption coverage pay for a new flight?

If you departed prior to the Travel Advisory being issued, your coverage may assist you. Contact CHUBB for assistance.

Note, you should also contact your travel agent or airline first before contacting CHUBB as they are assisting members with these challenges. You may also have Trip Interruption Coverage through your Credit Card provider.

If you departed after the travel advisory was issued, your Security Evacuation Coverage/Trip Cancellation/Interruption coverage is not in force.

CHUBB can be reached at 1.877.772.7797


OMA Group Health Policy 17884

Members with OMA Group Health Coverage will be supported through provisions for Emergency Medical Travel Insurance. OMA Group Health Coverage Is administered by Sun Life with medical assistance provided by Allianz Global Assistance.

NOTE: Emergency Medical Travel Coverage is in force for those who have departed PRIOR to any travel advisory being issued. If you departed AFTER a travel advisory, your coverage is not in force.

Emergency Medical Travel Insurance

The Canadian Government has advised that all Canadians abroad should return to Canada as soon as possible. We understand that people are having trouble obtaining flights home either because the host country is not allowing flights in or because airlines have cancelled flights. OMA Insurance is committed to supporting members and their families through these challenges and we are here to help you navigate your insurance benefits.

Members with OMA Group Health Coverage will be supported through provisions for Emergency Medical Travel Insurance. OMA Group Health Coverage is administered by Sun Life with medical assistance provided by Allianz Global Assistance.

Emergency Medical Insurance will cover medical expenses including hospital and physician fees incurred as a result of a medical emergency. Coverage is in force for 90 days from your date of departure (30 if you are age 70 or older.)

I am out of the country. Will I be allowed back into Canada?

Currently all Canadian residents will be allowed back into the country. The Canadian Government has advised that all residents should return to Canada as soon as possible.

I am out of the Country, but I can’t get a flight back to Canada. I will soon pass the 90-day limitation. What will happen to my emergency medical coverage?

Please contact OMA Insurance at info@omainsurance.com or Sun Life at 1.800.361.6212 to discuss your particular situation.

I am out of the country but don’t want to come back because I feel I am safer staying put. Will my emergency medical coverage continue?

The Canadian Government has advised that all Canadians abroad should return to Canada as soon as possible. If you choose to not return home, your Emergency Medical Travel Insurance will not cover you past the day limitation.

I am out of the country but cannot return because I am experiencing flu like symptoms. Will my Emergency Medical Travel coverage continue?

If you are experiencing illness, we encourage you to contact Allianz for directions on seeking medical attention. They will assist you with managing your medical situation, from finding a clinic or hospital to making payment directly to the treating provider. It is important that you reach out to them as soon as you experience symptoms. If you are unable to travel because of your illness, your coverage will continue until such time as you are able to safely return to Canada. Allianz will assist you with safe transportation home.


OMA Travel Coverage provided through RSA

Who should I call with questions about my coverage?

RSA at 1-800-319-9993

I am out of the country and I am ill. What should I do?

Contact Global Excel Management Inc. who will co-ordinate with RSA and assist you with your medical emergency.

IN THE EVENT OF AN EMERGENCY: call Global Excel Management Inc. immediately:

From Canada and U.S., call TOLL FREE 1-855-640-9152

From anywhere, call COLLECT +819-780-0555

Do not assume that someone will contact Global Excel on your behalf. It remains your responsibility to ensure that Global Excel has been contacted prior to receiving treatment or as soon as reasonably possible.

What happens if I don’t contact Global Excel right away?

Failure to do so limits benefits payable to you:

  • In the event of hospitalization, 80% of eligible expenses, based on reasonable customary costs, to a maximum of $25,000; and
  • In the event of an outpatient medical consultation, a maximum of one visit per sickness or injury.

I have been told my coverage is not active. Will OMA help me?

OMA Insurance is here to assist you. Please contact us at info@omainsurance.com if you have questions or concerns with the service or answers you have been provided by the insurer.

I purchased RSA Medical travel and or RSA Non-Medical Travel coverage. Am I still covered now that a Travel Advisory has been issued?

If you purchased the travel coverage prior to the travel advisory, then yes you are covered and you will have 10 days or a period that is reasonably necessary for you to safely evacuate and return to Canada.

If your date of departure is after the Travel Advisory was issued, your coverage is not in effect.

In the event you are required to extend your stay because your coverage will expire while you are trying to come back home (and wish to purchase top-up travel insurance), please call RSA at the number above.

Information on Travel Advisories Issued by the Government of Canada due to the COVID-19 pandemic can be found here: https://travel.gc.ca/travelling/advisories

What does “reasonably necessary” mean?

If you are making every attempt to return to Canada, you will continue to be covered. If you choose to not return home, your Insurance will not cover you past the 10-day limitation period.

I am out of the country but don’t want to come back because I feel I am safer staying put. Will my emergency medical coverage continue?

The Canadian Government has advised that all Canadians abroad should return to Canada as soon as possible. If you choose to not return home, your Emergency Medical Travel Insurance will not cover you past the 10-day limitation.

I am out of the country but cannot return because I am experiencing flu like symptoms. Will my Emergency Medical Travel coverage continue?

If you are experiencing illness, we encourage you to contact Global Excel for medical attention. They will assist you with finding a clinic or hospital amongst other support services. If you are unable to travel because of your illness, your coverage will continue until such time as you are able to safely return to Canada. RSA will assist you with safe transportation home.

Now that a Travel Advisory has been issued, will my Non-Medical coverage help me?

Trip Cancellation - Coverage will be in force for 10 days from the date the advisory has been issued

Trip Interruption – If the travel advisory or formal notice is issued after the departure date, the trip interruption coverage in that specific country, region or area will be limited to a period of 10 days from the date the travel advisory or formal notice was issued, or to a period that is reasonably necessary for you to safely evacuate the country region or area.

Is there anything else I should do to help me stay safe while I’m out of the country?

Sign up with the Registration of Canadians Abroad service to stay connected with the Government of Canada in case of an emergency abroad or an emergency at home.



Please do not hesitate to contact us with any question or concern regarding any of your OMA Insurance policies. We can be reached at info@omainsurance.com or at 1.800.758.1641.