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.