Important update to our travel insurance coverage
In the interests of your health and safety, we strongly recommend that you check the Government of Canada's COVID-19 website for travel restrictions, exemptions and advice before booking your trips and again before you leave. Even if you are covered for eligible medical expenses, it may not be easy to get medical care in destinations where travel advisories are in effect.
Am I covered for emergency healthcare if I get sick, even with COVID-19?
Yes. If the Canadian government has issued a level 1, 2, 3 or 4 travel advisory for your destination, you'll be covered for emergency healthcare, even if you get sick with COVID-19. You must, of course, meet all other conditions for insurability (for example, your medical condition must be stable before you leave).
Government of Canada risk levels and advisories
- Level 1: Exercise normal security precautions
- Level 2: Exercise a high degree of caution
- Level 3: Avoid non-essential travel
- Level 4: Avoid all travel
If you need emergency healthcare while on your trip, our assistance service will do everything it can to direct you to the available resources.
Am I covered if the Canadian government upgrades its travel advisory to level 4 while I'm away?
If the travel advisory level was 1, 2 or 3 when you left, you'll be covered for emergency healthcare under the travel insurance benefit. However, you must make arrangements to leave as soon as possible—within 14 days of the government advisory being issued.
The Canadian government requires everyone flying into Canada to provide a negative COVID-19 test. Are the fees for these tests covered by my insurance?
Your insurance doesn't cover fees for COVID-19 tests, whether you take them as a precaution or because they're required by a transportation company or Canadian or foreign government authorities.
What of tests are accepted as proof of a positive or negative COVID-19 result?
PCR and rapid antigen tests are both accepted, but the proof must be personalized. That means that the test must have been administered by a healthcare professional who is authorized to do so. Your results must be certified by this healthcare professional (screening centre, private lab, pharmacy, etc.). For example, a rapid antigen test performed by a pharmacist in a pharmacy is acceptable, provided that the results are certified by the pharmacist. Self-tests (rapid tests) performed at home are not accepted.
If I'm not vaccinated and I catch COVID-19 while travelling, will my medical expenses be covered?
Yes. Travellers who haven't been vaccinated against COVID-19 are still covered by their travel insurance. It's the same as when travellers choose not to get vaccinated against yellow fever or other vaccine-preventable diseases
Is my insurance still valid if I have side effects after I get the COVID-19 vaccine in Canada or abroad?
Yes. It doesn't matter if you're vaccinated in Canada or abroad. Your travel insurance covers you if you become suddenly and unexpectedly ill. You're still covered if you get vaccinated and need emergency medical attention to treat the side effects.
Am I covered if I can't get back to Canada because of a medical reason, such as a positive COVID-19 test?
Your living expenses will be covered under the travel insurance benefit, as described in your policy.
If you have trip cancellation insurance, you'll be covered for things like the additional cost to change the date and time of your flight.
Trip cancellation insurance
How will I know if my destination is affected by the recommendations issued?
To see which countries and regions are affected by a consular notification, refer to the Government of Canada's website.
My travel service offered me a travel credit. Can I refuse it and be reimbursed through my group plan instead?
Unfortunately, no. A travel credit issued by a travel service is considered a reimbursement. Therefore, your trip cancellation insurance can't reimburse you for the travel credit, even if that is your preference.
Am I covered if I have to cancel my trip due COVID-19 or if I'm turned away at my point of departure or return?
- You're covered if you want to cancel your trip due to a level 3 or 4 travel advisory that wasn't in effect when you bought your ticket and that's still in effect 14 days before your trip.
- You're also covered if you get sick with COVID-19 before leaving on your trip or if you're prevented from boarding due to a positive COVID-19 test.
- You aren’t covered if you have to cancel your trip or if you're prevented from boarding because you didn't meet a requirement (test, vaccine, etc.).
If I'm not vaccinated or unable to provide a proof of vaccination, and I need it to get on my plane or other method of transportation, or into the country I'm travelling to, can I get reimbursed through my trip cancellation insurance?
No. It's your responsibility to check travel and entry requirements and make sure you meet them. Requirements can vary by country and travel service provider, so it's important to do your research.
Am I covered if my return is delayed because I have to quarantine in my destination country?
Your living expenses and the additional cost to change the date and time of your ticket are covered by trip cancellation insurance. Quarantining must be required by the health