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.