MSBA Staff/Volunteer Out-of-Province/Canada Business Travel Health - Overview

Sep 12, 2026

MSBA staff and approved volunteers may require dedicated out-of-province and Canada business travel health coverage when existing travel accident terms do not address sickness or disease, provide insufficient out-of-province/country medical limits, or fail to match the division’s class selection. The MSBA plans aim to mitigate risk exposure, ensure financial protection and legal duty of care, and provide uniform coverage across school divisions. HUB administers carrier relationships, tools, communications, contract reviews, and claim escalation support.

LanguageEnglish

CategoryPresentations

FormatPDF

Pages22

Reading Time8 min

AccessFree to download

MSBA Plans

Staff Business Travel Accident

Staff/Volunteer Travel Health

Student Plans and New Plans

MSBA Goals

Risk mitigation and legal duty

Uniform coverage across divisions

MSBA Advantage

Competitive cost and consistent support

HUB’s Role

Carrier management and service escalation

Why This Coverage Is Needed

Gaps in existing Travel Accident plan

Carrier Coverage Rules (CHUBB)

Mandatory participation and eligibility limits

Trip duration and medical stability

Staff / Volunteer Out-of-Province / Canada Business Travel Health MSBA Plans STAFF • Staff Business Travel Accident New Plans • Staff/Volunteer Travel Health STUDENT • School Trips – Student Travel • Universal Student Accident • Voluntary Student Accident New Plans • International Students • Canadian Students Travelling Abroad 2 © 2019 HUB International Limited. MSBA Goals 􀂾 Mitigate any potential risk exposure • Financial liability • Negative publicity 􀂾 Uniform coverage across all School Divisions 􀂾 Fulfill legal duty to protect employees’ safety & well-being when travelling on school business; e.g. field trips, conferences, sporting events, etc. 3 © 2019 HUB International Limited. MSBA Advantage 􀂾 Enhanced coverage at competitive cost 􀂾 Consistent & up-to-date communication & tools provided 􀂾 Plans reviewed annually for both coverage & cost to remain competitive 􀂾 Leverage the experts-carrier relationship is managed for you; no self-sourcing required 􀂾 Service concerns can be escalated to HUB 4 © 2019 HUB International Limited. HUB’s Role 􀂾 To manage the carrier relationships on behalf of MSBA 􀂾 Ensure carrier product, pricing and service is competitive 􀂾 Develop communication & tools 􀂾 Provide service support for the School Divisions 􀂾 Review contracts & carrier produced materials 􀂾 Resolve claim/service escalation issues [msbaschool@hubinternational.com](msbaschool@hubinternational.com) or 1-877-201-6801 5 © 2019 HUB International Limited. Staff / Volunteer Out-of-Province / Canada Business Travel Health 6 © 2019 HUB International Limited. Staff / Volunteer Out-of-Province / Canada Business Travel Health Why? 􀂾 School Division has legal duty to protect employees’ safety & wellbeing when travelling on school business 􀂾 May not have coverage under Travel Accident based on Division’s class selection 􀂾 Existing Travel Accident plan is not sufficient 􀂾 Only covers injury, not sickness or disease 􀂾 Only has $10,000 medical, not enough for out-of-province/country 7 © 2019 HUB International Limited. Staff / Volunteer Out-of-Province / Canada Business Travel Health Why? 􀂾 Staff & Volunteers can no longer be covered under Student Travel Plan 􀂾 Do not know if staff/volunteers have or the adequacy of any other Travel Health coverage in place 􀂾 Do not know medical stability of the individual 8 © 2019 HUB International Limited. Staff / Volunteer Out-of-Province / Canada Business Travel Health Carrier – CHUBB Life Insurance Company of Canada 􀂾 Participation is mandatory 􀂾 Emergency medical for staff, school trustees & approved volunteers 􀂾 No coverage for dependents or spectators 􀂾 Business travel – School Division sanctioned trip activity E.g. field trip, team sporting event, cultural exchange and/or conference 􀂾 Trip duration – each trip cannot exceed 90 consecutive dates & total trips days per person cannot exceed 180 days 9 © 2019 HUB International Limited. Staff / Volunteer Out-of-Province / Canada Business Travel Health 􀂾 Includes up to 3 days of personal travel either directly before or after 􀂾 No medical stability requirement if under age 70 as long as not travelling against doctor’s advise 􀂾 If between age 70 & 75 – medical stability clause • No coverage for expenses incurred due to, contributed by or resulting from a medical condition or related condition that was not stable at any time during the 180 days immediately prior to the insured person’s departure. 􀂾 Pregnancy complications not covered after 7th month 10 © 2019 HUB International Limited.

FAQs

Why does MSBA provide out-of-province/Canada business travel health coverage for staff and volunteers?

Because the school division has a legal duty to protect safety and well-being when traveling on school business, and existing travel accident coverage may not extend to sickness or provide enough medical limits for out-of-province/country travel.

What key limitations apply to the carrier coverage under CHUBB?

Participation is mandatory, emergency medical applies for staff, school trustees, and approved volunteers, but there is no coverage for dependents or spectators.

How does HUB support school divisions under MSBA?

HUB manages carrier relationships, ensures competitiveness in product/pricing/service, develops communication and tools, provides service support, reviews contracts and materials, and resolves claim/service escalation issues.

Sep 12, 2026

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