Due to the ongoing COVID-19 pandemic, the Government of Canada may issue travel advisories to avoid non-essential travel (Level 3) or all travel (Level 4) outside of Canada due to COVID-19. These advisories may be issued for all international travel, for specific destinations or for certain types of travel (i.e. cruises). Travel advisories can impact travel insurance and are subject to change. They may be issued, lifted, and then reinstated depending on the status of COVID-19 infection rates in Canada and abroad.

Trip Cancellation and Trip Interruption Benefits found in: Deluxe Package with COVID-19 Coverage, Deluxe Package Plan, Trip Cancellation & Interruption Plan, Non-Medical Package Plan

If you test positive for COVID-19 prior to your departure and are unable to travel as a result, trip cancellation benefits will be available under these plans.

Other than this circumstance, these travel insurance plans do not provide coverage for trip cancellation or trip interruption claims related to an epidemic or pandemic. For example, COVID-19 is not a covered reason for trip cancellation or trip interruption if the Government of Canada issues a travel advisory for your destination.

Emergency Health Benefits found in: Deluxe Package Plan, Classic Emergency Medical Plan

Policyholders with a Deluxe Package Plan or Classic Emergency Medical Plan who contract COVID-19 at their destination will be eligible for emergency medical benefits.

These benefits are available as long as there is no Government of Canada travel advisory related to COVID-19 in place on their departure date, that advises against non-essential travel (Level 3) or all travel (Level 4) for their destination.

Enhanced COVID-19 coverage found in: Deluxe Package with COVID-19 Coverage

If you do travel while a Government of Canada travel advisory against non-essential travel (Level 3) is in place for your destination, the Deluxe Package with COVID-19 Coverage offers benefits for emergency medical and quarantine expenses if you test positive for COVID-19 while on a trip.

This package also includes our standard emergency medical, trip cancellation, trip interruption, baggage and travel accident benefits for our most comprehensive protection.