What CAA Members need to know about COVID-19.
Travel insurance.
COVID-19 continues to cause concern among travellers and the general public.
This is an evolving situation and your safety continues to be of utmost importance to us.
Important information to consider:
- Global Affairs Canada has advised all travellers to avoid non-essential travel outside of Canada until further notice. Canadians abroad have been urged to return as soon as possible. Travel advice and advisories are updated regularly.
- Many countries have put in place travel or border restrictions and other measures such as movement restrictions and quarantines.
- Airlines have cancelled flights and new restrictions may be imposed with little warning.
- Travel supply companies have advised us that paperwork related to refunds may take time to be issued. We require the paperwork from your travel supply companies to review a claim.
We are experiencing a very high volume of inquiries related to the impacts of COVID-19. We ask for your understanding and patience. We are currently focusing on those who are currently travelling and require medical treatment, as well as those who are travelling within the next 30 days. We have compiled some of the most commonly asked questions below to help serve you better.
FAQs.
Yes, you can receive a full or partial refund; as per policy terms and conditions, provided no claims have been made.
If departure from Canada was PRIOR to the Global Affairs Canada travel advisory, medical insurance would not be impacted by the advisory.
If departure was AFTER the Global Affairs Canada travel advisory, medical expenses unrelated to the travel advisory (COVID-19) would be eligible for coverage according to the terms and conditions of the policy. COVID-19 related claims would not be covered.
Please note, if your policy is set to expire, you will need to speak with your travel insurance professional as an extension or top up coverage may not offer coverage for COVID-19 related expenses.
Travellers are eligible to submit a claim for pre-paid, non-refundable amounts if coverage was purchased prior to the Global Affairs Canada travel advisory. We encourage travellers to accept any voucher or future travel credit, as CAA Travel Insurance is extending coverage to the voucher / future travel credit. Travel vouchers/credits for future travel offered by travel suppliers are considered refunds.
If you accept the voucher/travel credit from the travel provider, CAA's Trip Cancellation Insurance will provide coverage for this future travel voucher/credits (covering only the original sum insured) for up to one year from the date the credit / voucher was issued or until you re-book the trip, whichever is first. If the voucher/credit is not redeemed, a trip cancellation claim may be submitted for the value of the voucher/credit.
If you do not accept the voucher/travel credit from the travel provider, a trip cancellation claim may be submitted to CAA Assistance. It must include a completed claim form and proof the travel voucher/credits were declined and voided with the travel supplier before the claim is processed.
Follow these steps:
Step 1: Contact your travel provider to cancel your trip.
Step 2: Have your travel provider send confirmation of their cancellation/refund policy and/or voucher/credits details that have been issued.
Step 3: Open a claim by visiting: https://claims.acmtravel.ca/accounts/login/
Extension to Single Trip/Top Up: Yes, you can purchase an extension to the original policy while at destination, and no claims have been made. As this is a change to the coverage period after the March 13th Global Affairs Canada travel advisory there would be no coverage for any COVID-19 related expenses. Please contact your travel insurance professional to add a Top Up to your original policy.
New Top Up: Yes, you can purchase a Top Up, however, as it is a new policy, and purchased after the Global Affairs Canada travel advisory of March 13th there would be no coverage for any COVID -19 related expenses.