James E,
"I bought a policy, US of course, that covered COVID before and during, as well as all the other suspects. Canadian law makes this impossible? Not questioning it, just interested."
To put it succinctly, in my case "it's complicated". It's not as much a question of Canadian law as it is the products offered by the various travel insurance companies here. Getting travel insurance was much easier in the past but now I have to deal with the added aspects of age (late '60s) and existing medical conditions.
In my case, I was provided with a medical insurance policy for a specific amount as part of my retirement benefits, but that amount is on a declining balance. As the benefits are used, the available amount reduces. This is something that was negotiated in the collective agreement for my specific employment, and not something that is common in Canada. The amount provided is reasonable for typical travel medical needs, but if something serious occurred in some countries such as an M.I. (involving ICU or other specialized care), that coverage could be depleted very quickly. For that reason, it's a very good idea to get a supplemental policy that covers anything above that policy.
When I researched insurance companies to get the supplemental insurance from, it quickly became apparent that many insurance companies will tap into whatever other benefits I have before ever paying a nickel on the travel insurance. Based on my experience on a past trip to Italy where I had to use the travel insurance, I know that to be a fact. They wanted information on my provincial health plan, credit card medical coverage and anything else I had.
Of the companies researched, I found one that would "interface" with my existing coverage. The most critical benefit I'm trying to protect is my retirement extended health coverage, which is also provided on a declining balance basis. Many travel insurance companies will drain that also when paying off a medical claim, whereas the company that I'm dealing with now won't touch it. That insurance company has stated recently that they won't provide coverage until the Canadian government removes the Avoid All Non Essential Travel advisory.
The other issue at the moment is that I can't afford either the time or money to spend two weeks in quarantine on arrival in Europe, in addition to the actual trip. I'll also probably enjoy the trip more when there are fewer "complications" such as wearing masks, etc.
On a somewhat related note, one of our local travel experts here provided some interesting facts on her usual Thursday morning segment on the morning news. Three of the Canadian airlines have recently partnered with insurance companies to provide "Covid Insurance". However as usual, it pays to read the fine print. In some cases, the maximum amount they will pay is $200K. If one contracted Covid and required ICU, ventilator or other specialized care, that could be depleted in a few days. More importantly, these policies typically do not provide coverage for any other medical problems, so it's still necessary to get a medical insurance policy to cover things like injuries, heart problems or whatever.
I've pretty much given up on the idea of international travel for this year. There's also the issue of going to an area that is facing a resurgence of the virus, and is less safe than here at home. I hope to do a few road trips within B.C. but haven't managed to do that yet. At the moment, this is the "safest" place to travel.