Even as borders re-open, Canadian government travel advisories may still be in place for certain destinations, or depending on your vaccine status, which may impact your travel insurance coverage. For Canadian government travel advisories, go to travel.gc.ca.

There are four levels of travel advisory. The two highest levels may be mentioned in a travel insurance policy and, if mentioned, can impact your coverage.

• Level 3 – “Avoid Non-Essential Travel”: means the government recommends against any non-essential travel to that country or region.
• Level 4 – “Avoid All Travel”: is the highest level and it states that Canadians should avoid all travel to a country or region and should come home if already there.  This can also apply to specific types of travel such as the former advisory to avoid all cruise ship travel outside of Canada. 

Effective February 28, 2022, the blanket Level 3 – “Avoid-Non-Essential Travel”  travel advisory was reduced to Level 2 - “Exercise a High Degree of Caution”, which means that the government no longer recommends that fully vaccinated Canadians avoid travel for non-essential purposes. However, we expect there will be some destinations the government deems safer than others and the advisories may become more specific by destination.  Also, depending on the destination, access may be easier for those who are vaccinated versus those who are not fully vaccinated.

KNOW YOUR TRIP – Ask your provider and check to see if any travel advisories are in place for your destination.

Before travelling outside of Canada, check for any new travel restrictions, guidelines, or requirements at your destination country such as:

• Status of allowing foreign visitors
• Proof of vaccination
• Requirements to be recognized as fully vaccinated at destination (i.e. timing of doses, requirement to have a  booster)
• Testing and Quarantine requirements upon arrival and/or the need for a recent negative COVID-19 test.
• Any other entry requirements i.e. proof of insurance, download local app, QR code, etc.

Entry requirements to Canada continue to be fluid. Be aware of re-entry requirements when returning home to Canada. More information can be found in the Returning Home section on this document,<link to Returning Home section>

An interruption of your trip may be caused by a positive test or temperature check. COVID-19 has significantly impacted the experience you will have on your trip. It is not just business as usual. It is extremely important to understand how your travel insurance will respond to some of these new types of events before you book a trip and again before you start your journey.

KNOW YOUR TRIP – Ask your provider and check available websites for details before travelling outside of your home province.

Travel within Canada is not the subject of Government of Canada advisories but may be impacted by provincial or federal restrictions, for example, there is currently a vaccination requirement to board a flight or train within Canada. You can find Government of Canada information on Travelling within Canada here including information on provincial restrictions and requirements for boarding flights and trains in Canada.

States of emergency, quarantine requirements, entry restrictions, curfews and other measures may be in place or be introduced by a province or region and that will mean restricted mobility. Check provincial/territorial websites for the most up-to-date information by province/territory.

If you are planning to travel within Canada, note that COVID-19 can also impact your plans and it is important to have travel insurance coverage to cover gaps in GHIP (Government Health Insurance Plans). Flights can be cancelled or interrupted due to COVID-19 complications. Contracting COVID-19 while travelling in another province can result in the same transportation and quarantine challenges you would face abroad, and you should contact your provider to find out how your policy will respond.

KNOW YOUR TRIP – Ask your provider and check available websites for details before travelling outside of your home province.

Your travel insurance policy may not specifically mention COVID-19. You should reach out to your provider to confirm coverage. You can also look for this type of language in your policy:

• something that says what happens when a Government of Canada travel advisory is in effect.  Typically this will appear in a section speaking to Exclusions.
• something that says how your coverage is impacted by an event or cause which is considered to be a “known event” at the time the insurance is purchased (for example – a global pandemic that we all know impacts the health and safety of travellers).
• specific mention of COVID-19, a pandemic, or an epidemic and how your coverage is impacted. An event like COVID-19 may be excluded or there may be specific coverage limits. A pandemic exclusion could mean that you are not covered even if you are travelling within Canada.

KNOW YOUR POLICY – When in doubt, reach out directly to your provider for absolute certainty. If your policy excludes COVID-19, your provider may have additional coverage you can purchase to cover COVID-19 related claims.

Some policies or plans will, but the answer depends on such factors as:

• when you bought your insurance and whether the trip cancellation/interruption wording excludes trips booked when a travel advisory is in effect,
• whether your policy excludes claims for trips cancelled or interrupted due to an event or cause that is already known (such as COVID-19, a global event which has been in the news cycle daily for many months), or
• whether trip cancellation/interruption for COVID-related events is excluded entirely.

KNOW YOUR POLICY – For specific details on how your insurance will respond, contact your provider.

If you file a claim for a trip that was cancelled by the travel supplier your claim may not be paid by your travel insurance provider because of a clause in your policy which states that your insurer will only reimburse you for pre-paid travel expenses that are non-refundable or non-transferable.  This pandemic has turned the world upside down in many ways.  One of the major changes we have seen is that, even on travel bookings that were originally purchased on a non-refundable basis, travel suppliers are still issuing refunds or future travel credits on trips cancelled due to COVID-19.   Some of these credits are valid for up to one or two years and some do not expire.

There is a basic premise applicable to this type of insurance that you should not “gain” by claiming under your policy.  You can be made “whole” if you have purchased adequate insurance, but you should not come out ahead.

Example

If your insurer paid your $1,000 claim for a cancelled trip and you later used a $1,000 credit to re-book that trip, you would essentially be “gaining” from your insurance contract.  You would be taking a $1,000 trip and your insurance company would be paying for it.  Only in a situation where you would not be able to use the credit would you be eligible to submit the loss for consideration under your insurance policy.

KNOW YOUR POLICY – Contact your provider for more details.

First, you need to check with your provider to see if their product covers just emergency medical claims or if it also includes cancellation or interruption coverage as well.  Some products may offer one but not both.  Having some amount of coverage for COVID-19 is obviously better than having no coverage while you are travelling.  How much is enough depends on many factors particular to your circumstances, such as where you are travelling, what your travel expenses are and what might happen to you when you get there.  The risk of incurring large medical expenses is greater in countries with higher active COVID-19 case-counts, more active variants and/or higher costs for medical services.

Examples:

• A 10-day hospitalization in the Intensive Care Unit on a ventilator in Miami, Florida could easily run up a bill exceeding USD$ 500,000. COVID-19 patients in severe respiratory failure may need ECMO (Extracorporeal Membrane Oxygenation) with costs that could easily exceed $1,000,000.
• The cost to get you back to Canada following a COVID-19 emergency could be as low as a few hundred dollars for a one-way return flight (if you have no symptoms and can provide the airline with a negative COVID test) or it could be tens of thousands of dollars for a more expensive return with medical assistance or on an air ambulance. If you need a hospital bed upon your return, there could be delays finding a bed due to the strain COVID-19 has placed on our healthcare system.

KNOW YOUR POLICY – Contact your provider for more details.

Check the coverage limit in your COVID-19 policy.  How much coverage is provided? Is there one limit for claims relating to COVID-19 and another limit for all other benefits that do not relate to COVID-19?  Does your special policy ONLY cover COVID-19? Does your coverage amount increase or change if you are fully vaccinated? Make sure you are adequately insured, not just for COVID-19, but also for other non-COVID events that may lead to a claim.

KNOW YOUR POLICY – Contact your provider for more details on your policy and how much it covers.

Once you have considered the amount of coverage you need for COVID-19, it is equally important to consider if you will be able to access health care at your destination.  Travel insurers cannot guarantee or control the availability of emergency medical treatment even during non-pandemic times.  The pandemic continues to place high levels of strain on health care systems globally and, given demand by residents and visitors for medical treatment due to the COVID-19 and other reasons, areas with very good and usually very available health care are running at or over capacity. 

KNOW YOUR TRIP – Ask your provider and check available websites for details about travelling to your destination.

Although we are beginning to see travel insurance policies change in specific ways with respect to COVID-19, this pre-travel expense is not likely to be covered by your travel insurance policy in the same way that expenses such as travel visas, travel vaccinations, etc. would not be covered under your travel insurance.  Most travel medical policies cover expenses related to medical emergencies only.  The cost of a vaccine or screening test, for example, would not be considered a medical emergency and would not be covered.  Each province or public health authority has posted information online for residents to be informed on how & where tests for COVID-19 are conducted.  Additionally, be sure that your test results will meet the timeframe for the entrance requirements of your destination.

KNOW YOUR POLICY – Contact your provider for more details.

Check your insurance wording to see if travel advisories impact your coverage and, if so, how.  If you travel to a destination or region after the Canadian government has issued a Level 3 or Level 4 travel advisory against travel to that location and:

1. an event happens to you (e.g., contracting COVID-19) in that destination, and
2. that event relates to the reason the travel advisory was issued,

many travel insurance policies will not cover you.  You would be covered for other things that might happen to you (as per the terms of the wording), but not if you contract COVID-19 and this leads to claims.  Level 3 and Level 4 travel advisories may be treated differently depending on the terms of your policy.

Since the outbreak of COVID-19, many insurers have introduced special coverage upgrades so that, even during a Level 3 – “Avoid Non-Essential Travel” travel advisory, claims due to COVID-19 can be covered (an additional premium may apply).  The amount of coverage provided may also increase once you become fully vaccinated. Ask your provider if you already have coverage for COVID-19 under your Emergency Medical benefit or if you will need to buy extra coverage.  Ask what happens if a Level 3 – “Avoid Non-Essential Travel” advisory is upgraded to Level 4 – “Avoid All Travel” or dropped to a lower level before or during your trip.

KNOW YOUR POLICY – Contact your provider for more details.  Be sure to call your assistance company before seeking any treatment.

Ask your provider what happens to your Emergency Medical and/or Trip Interruption coverage if you are stuck in another country beyond the date that your coverage would normally expire due to COVID-19 and ask if you will be able to purchase a coverage extension if you are delayed or want to extend your trip.

It’s important to remember that your coverage will end at midnight on the last day of your covered days or the last day of your insured trip and not all coverage has an option for extension.  Travel insurance does not cover expenses incurred after your coverage has ended unless your return home was delayed by a previous and covered medical emergency or any automatic extension provision that might be in your policy.

KNOW YOUR POLICY – Contact your provider for more details.

When borders were closed in March 2020, the government arranged emergency transportation to get Canadians home, but those repatriations have been discontinued.  Some insurance may cover the cost of repatriation if you have trip cancellation/interruption coverage with return home benefits but if you left Canada while a travel advisory was in effect, that is unlikely unless your return is for a covered reason and you purchased special coverage for COVID-19.

The costs to return you home are generally covered by travel medical insurance if:

• you have an illness covered by your insurance,
• you require ongoing medical treatment for your illness,
• your medical condition is eligible under your policy (COVID-19 treatment may not be eligible),

• the doctor at your destination and your insurance company agree that you are stable for transport and you should be returned to Canada, and

• transportation is arranged by your assistance company.

Many variables must be considered before you can be transported home such as:

• the nature of your medical emergency,
• your location,

• the availability of air and other modes of transportation, and
• the availability of medical staff to accompany you if required.

One certainty is that COVID-19 places increased strain and potential complexity around the ability for healthcare solutions to be delivered when and as needed.

KNOW YOUR POLICY – Contact your provider for more details.

Finding a bed in Canada for a patient with COVID-19 will take time and is largely dependent on case counts in Canada.  If a COVID-19 patient needs to be admitted to an ICU bed, it may not be possible at all.

If you show any COVID-19 symptoms or test positive for COVID-19, you will not be able to simply book a flight and come home on a commercial flight.  In fact, you may need to be repatriated in an air ambulance, in a negative pressure environment.  Medical attendants on the repatriation flight may have to quarantine before they can go back home after the flight, affecting the availability of crew and driving up the total cost of these repatriations.

KNOW YOUR RIGHTS AND RESPONSIBILITIES – Keep in contact with your travel provider.

The intent of travel medical insurance is to stabilize the emergency and return you home for continuing treatment.  If your treatment is not deemed emergent and you are stable to return home, your policy may not cover any further treatment abroad and your benefits may be limited to unrelated conditions for the duration of your trip.

Travel medical insurance may not cover situations where a patient elects to get treatment abroad in order to stay the duration of their trip or because they may get treated sooner abroad than in Canada.

KNOW YOUR POLICY – Check your eligibility by contacting your provider before seeking treatment.

If you are refused boarding for your flight home, you will incur additional expenses for lodging and meals at your destination.  You may also lose the cost of your flight and have to pay for a new flight at a later date.  Check with the airline for their policy on refusal of boarding and what options are available.

Your travel insurance may not cover these expenses or may cover only a portion.

It is also important to be sure that you still have travel medical coverage for a longer than intended trip.  Contact your insurer to see if you will continue to be covered and what options are available if your coverage ends before you can get home.

KNOW YOUR RIGHTS AND RESPONSIBILITIES – Stay safe and follow all public health guidelines.

ALL travellers should complete the ArriveCAN requirements prior to arrival.  This can be done either through the ArriveCAN app on a smartphone or the ArriveCAN website. All travellers in a group can be entered into your account and added to a single ArriveCAN form. You will need to upload passports and vaccination certificates for all travellers you add to your account, and complete the rest of the form and questionnaire prior to arrival.  It is important to complete the ArriveCAN form prior to presenting your passport at the border to minimize delays or enforcement actions.

Canada has different entry requirements depending on your vaccine status. You can check if you qualify as a fully vaccinated traveller here.

Effective April 1, 2022 the Government of Canada no longer requires fully-vaccinated travellers entering Canada to complete a pre-arrival COVID-19 test. Travellers may still be subject to random testing after entry to identify and track variants.

For unvaccinated travellers or travellers unsure of their vaccine status please visit travel.gc.ca for further details on outbound travel and re-entry to Canada policies and restrictions.

Travellers who require pre-entry testing should have their test results ready at the border.

Information is regularly updated on the Government of Canada’s COVID-19: Travel, quarantine and borders information page.  Costs incurred due to entry requirements are at the travellers’ expense and are not likely to be covered by your travel insurance policy as most travel medical policies cover expenses related to medical emergencies only.

Check for the most current information and details at  travel.gc.ca before you leave and prior to your return.  These rules and guidelines are subject to frequent change.

KNOW YOUR RIGHTS AND RESPONSIBILITIES – If you travel, travel and come home safely following all public health guidelines. Please monitor travel.gc.ca for changing rules and guidelines and be aware that travel regulations are expected to continue to change as the Government of Canada continues to roll out their phased easing of travel restrictions in the future.