Get Roadside Assistance
Become a Member

What CAA Members need to know about COVID-19

Last Updated: October 5, 2022

Travel Insurance

As Canadians look ahead to their future travel, CAA Travel Insurance is prepared and ready to protect them with the coverage they need to feel assured to travel. Travellers should be aware of travel advisories and travel requirements at their destinations and when returning to Canada. To learn more about the Government of Canada’s travel advisories, please visit travel.gc.ca.

Emergency Medical Insurance

Contact CAA Assistance. Our emergency assistance experts are ready to support and guide you through your emergency – working closely with you to ensure you receive appropriate medical support and monitoring your care to ensure your medical needs are met.

Travel medical insurance provides protection for COVID-19-related illnesses and expenses, though there are certain conditions when travel advisories are active at time of departure.

  • If at the time of departure, COVID related travel advisories are below Level 3 (avoid non-essential travel) you will be covered up to $5 million for expenses related to the treatment of COVID-19 – regardless of vaccination status.
  • If, at time of departure, COVID related advisory is at Level 3 travel advisory (avoid non-essential travel) for your destination:
    • Fully Vaccinated travellers are protected up to $5 million for expenses related to the treatment of COVID-19 – provided you have received a full course of vaccinations at least 14 days prior to departure.
    • Partially vaccinated travellers are protected up to $2.5 million for expenses related to the treatment of COVID-19 – provided you have had 1 vaccine at least 14 days prior to departure.
  • There is no coverage for COVID-19 related illnesses when there is an active COVID related Level 4 travel advisory (avoid all travel) for your destination at time of departure.

If you are advised by your treating physician that you must self-isolate or quarantine as part of required medical treatment for COVID-19, your policy benefits include coverage of the extra costs of additional meals and accommodations during the quarantine / isolation period.

Please refer to your policy for coverage details, and full terms and conditions.

Note: Vaccination requirements apply when a COVID-related Level 3 (avoid non-essential) travel advisory is active at the time of trip departure. There is no coverage for COVID-19 related illnesses when there is an active COVID related Level 4 travel advisory (avoid all travel) for your destination at time of departure.

No. Travellers need to be prepared for additional travel expenses caused by the pandemic, including the cost of expected COVID-19 testing.

Trip Cancellation & Interruption Insurance

There are several benefits in the policy that may be available when a traveller must cancel or interrupt their trip due to COVID-19 related circumstances, though there are limitations when travel advisories are active.

  • Trip cancellations insurance: Coverage may be limited if at the time of insurance purchase there is an active COVID-19 Level 3 (avoid non-essential travel) or Level 4 (avoid all travel) travel advisory. The policy provides protection for non-refundable cancellation penalties incurred when a trip must be cancelled before your departure date and the travel supplier continues with the trip as planned.
  • Trip interruption insurance: Coverage may be limited when a COVID-19 related Level 3 (avoid non-essential travel) or Level 4 (avoid all travel) travel advisory is in place at the time of departure. The policy provides protection for expenses incurred when trips are interrupted or delayed after the departure date, such as any unused non-refundable prepaid travel arrangements, the extra cost of one-way return flights or change fees, and related expenses for meals and accommodations.
Trip cancellation insurance is designed to protect travellers when they need to cancel a travel booking, for which the travel supplier continues with the trip as planned. When travel suppliers cancel planned travel bookings, the suppliers bear responsibility to fully reimburse their customers for undelivered services.
Yes. Testing positive for COVID-19 prior to departure would be considered a medical condition and cancellation benefits may apply.
No. Travellers need to be prepared for additional travel expenses caused by the pandemic, including the cost of expected COVID-19 tests.

If you test positive for COVID-19 and are therefore unable to get onto your flight back home and if COVID-19 related travel advisories are below Level 3 (avoid non-essential travel) at time of trip departure, trip interruption insurance provides protection for the extra cost of one-way return flights or change fees, related expenses for meals and accommodations and any unused non-refundable prepaid travel arrangements.

Note: Coverage limitations will apply when a COVID-19 related Level 3 (avoid non-essential travel) or Level 4 (avoid all travel) travel advisory is active at the time of trip departure.

When COVID-19 related travel advisories are below Level 3 (avoid non-essential travel) at time of trip departure and you are denied entry at a border due to government COVID-19 screening protocols, trip interruption insurance provides protection for the extra cost of one-way return flights or change fees, related expenses for meals and accommodations and of any unused non-refundable prepaid travel arrangements.

Note: Coverage limitations will apply when a COVID-19 related Level 3 (avoid non-essential travel) or Level 4 (avoid all travel) travel advisory is active at the time of trip departure.

If you are advised by your treating physician that you must self-isolate or quarantine as part of required medical treatment for COVID-19, trip interruption insurance provides protection for the extra cost of one-way return flights or change fees, related expenses for meals and accommodations and of any unused non-refundable prepaid travel arrangements.

Note: Coverage limitations will apply when a COVID-19 related Level 3 (avoid non-essential travel) or Level 4 (avoid all travel) travel advisory is active at the time of trip departure.

Need Travel Insurance Now?

Get a Quote or Purchase Travel Insurance

You can also speak with a Travel Insurance expert by calling 1-844-647-8723.

Need to File a Travel Insurance Claim with CAA Travel Insurance?

Learn How