As of March 13, 2020, Global Affairs Canada is advising Canadians to avoid non-essential travel outside of Canada due to COVID-19. Am I still covered if I proceed with my trip outside of Canada?
Emergency Medical Insurance
If you are travelling outside of Canada as of March 13, 2020, and there is an avoid “all” or “non-essential” travel advisory for any destination outside of Canada in place before you leave, Emergency Medical coverage will not be provided if your sickness or injury is directly or indirectly related to the coronavirus.
For instance, if you travel to Hawaii on May 10, 2020, and there is an avoid all or non-essential travel advisory in place at that time, you will not be covered if your sickness or injury is directly or indirectly related to the coronavirus, but other risks may be covered, such as breaking your leg while surfing.
Trip Cancellation & Trip Interruption
A travel advisory is a covered risk for Trip Cancellation &Trip Interruption polices, and if the policy was purchased before March 4, 2020, you can submit a claim, if the advisory is still in effect on your scheduled departure date, provided there was no avoid all or non-essential travel advisory in place at the time insurance was purchased or trip booked to that destination. For instance, if your trip is on May 1, 2020, and there is an avoid all or non-essential travel advisory in place at that time, you may be covered if you decide to cancel your trip. If you’re opening a claim due to a Canadian government travel advisory related to the Coronavirus, please wait to contact us or open a claim online until the day of your planned departure or afterwards. We’re unable to assist you with opening a claim or confirming coverage prior to this point
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