Before You Travel > How can I tell if my travel insurance policy will cover me for COVID-19?

How can I tell if my travel insurance policy will cover me for COVID-19?

posted on 12:52 PM, August 11, 2021

Many travel policies do not specifically mention COVID-19 because it did not exist when the policies were written. 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.
  • something that says how your coverage is impacted by an event or cause that is already known 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.