Read our Pandemic Travel FAQS and travel with confidence during uncertain times.
Stay updated with the latest Canadian Government travel warnings and advisories so that you can make informed decisions about your travel plans.
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Government Restrictions on Travel Quicklinks:
Travel Advisory FAQs
For travellers, whether it’s a global pandemic or menacing hurricanes, this brings uncertainty when planning a trip. That’s why it’s more important than ever to learn more about the Canadian Government’s travel warnings and advisories, how to understand them, and how they could impact your travel insurance coverage. Some providers may cover unforeseen circumstances once a travel advisory has been issued.
What You Should Know
Below are questions we recommend asking your insurance provider or broker when purchasing a travel insurance plan:
- What does my plan cover, and what are the benefit maximums?
- Does the plan cover me if I contract COVID-19 while travelling?
- What are the exclusions and limitations of the COVID-19 Rider?
- Does the plan provide coverage for an automatic extension if hospitalized beyond the return date?
COVID in Canada
The good news is that COVID-19 is covered as a medical condition. But, just like any other medical condition, it is subject to stability period requirements. Pre-existing conditions, including COVID-19, typically have a stability requirement of 90-180 days (depending on your age and the insurance carrier) before your departure.
If you purchase trip cancellation and interruption, can you use this coverage if you or a family member test positive for COVID-19 and need to quarantine?
First, check with your insurer when purchasing the policy, as everyone’s wordings differ. Some providers’ coverage will respond to this case, for example, TUGO Insurance.
Emergency Medical, knowing you’re covered for COVID-19.
Some insurance providers cover unforeseen circumstances once a travel advisory has been issued, so you could still be covered for COVID-19 medical as a pre-existing condition. However, some Emergency Medical plans also have a pre-existing condition clause that may prevent your claim from being paid. Please ensure you familiarize yourself with your policy booklet and understand the exclusions that may apply to you for your specific insurer.
Protect yourself from the unexpected with COVID travel insurance.
While some airlines may offer COVID-19 insurance, it’s important to remember that travel insurance covers a range of unforeseen circumstances, including trip cancellations, medical emergencies, and lost baggage. Don’t leave your next trip to chance – protect yourself with comprehensive travel insurance coverage and give yourself peace of mind. Review your options today.
Get peace of mind with expert advice on travel medical insurance.
Don’t leave your travel insurance coverage to chance. Visit one of our office locations and speak with an insurance advisor who can help you navigate the complexities of pandemic travel and understand how government advisories could impact your coverage. With our expert guidance, you can confidently travel and have peace of mind.