Travel Insurance and COVID-19
For many Canadians who have been anxiously awaiting to return to travel, the news of the Canadian government no longer advising against non-essential travel is exciting, yet the planning or booking of future travel should be done cautiously as the pandemic is not over.
Travellers need to understand how the border requirements and regulations are continually changing travel. As a reminder, travel advisories are issued for many reasons and coverage restrictions apply based on the travel advisory. It is important for travellers to always monitor Global Affairs Canada as a trusted source of travel advice by visiting travel.gc.ca.
Protecting the safety of CAA travellers
Travellers still need to be mindful of the risks of travelling internationally at this time. It is important to research the destination’s COVID-19 situation before booking to understand the type, timing and costs of COVID-19 tests that may be required. Confirm your ticket’s change, cancellation, or refund policies in case of a disruption on your trip.
The removal of the Level 3 COVID-19 global travel advisory (avoid non-essential travel) applies to all travellers, regardless of vaccination status (fully, partial, or unvaccinated).
CAA Travel Insurance emergency medical plans include coverage for COVID-19 related illnesses that may occur when travelling, no matter vaccination status, at a time when the Canadian government no longer has a Level 3 travel advisory (i.e., ‘Avoid non-essential travel’) for COVID-19.
If the Canadian government re-issues another Level 3 advisory related to COVID, CAA Travel Insurance Emergency Medical plans will continue to include coverage up to $2.5 million CAD if partially vaccinated, or up to $5 million CAD if fully vaccinated, for COVID-19 related illnesses that may occur when travelling. Please click here to read the policy endorsement to make sure you meet the requirements before you travel.
Due to the continuously changing circumstances, it’s also recommended to purchase trip cancellation and interruption insurance when travelling again. Having this coverage in case you do run into a problem can provide you more peace of mind.
CAA Trip Cancellation and Interruption coverage provides both Cancel for Any Reason and Interruption for Any Reason coverage, along with Denied Boarding/Entry provided government requirements are followed.
CAA has identified key considerations that potential travellers may not be aware of
Anyone who is considering travel should make sure they prepare by planning in advance and remember that travel requirements and regulations are continually changing.
Important information to consider:
- If a destination experiences a significant increase in COVID cases, local governments can prioritize citizens over tourists, should health services become strained, leaving Canadian travellers without the necessary support in a time of need regardless of one’s insurance coverage.
- Concerns around the availability of care at a destination applies to any ailment, including but not limited to COVID-19.
- Many countries have put in place travel or border restrictions and other measures such as movement restrictions and quarantines.
- The Canadian government advises that if you choose to travel, you should be fully vaccinated at least 14 days before departing. Be aware that although you are better protected against serious illness if you are vaccinated, you may still be at risk of infection from the virus that causes COVID-19. If you’re unvaccinated, you remain at increased risk of being infected with and spreading the virus that causes COVID-19 when travelling internationally. You should continue avoiding non-essential travel to all destinations.
We have compiled some of the most commonly asked questions below to help serve you better.