Important Notice: Travel Insurance & Coronavirus

As the novel Coronavirus (COVID-19) outbreak continues to evolve, we're here to provide our customers with regular updates and guidance on their insurance.


 

PAYMENT UPDATE FOR CUSTOMERS

In these times of uncertainty and constant change, we’re doing our best to support our valued customers. The safety and well-being of you and your loved ones is important to us. Our thoughts are with you during this time. 

 

To help minimize worry for those who are financially impacted by COVID-19 the following is being implemented:

 

Non-Sufficient Funds 
As of April 5, fees will be waived for NSF until further notice.  Please note that your financial institution may still charge a separate fee for NSF.
 
Payment Options
We recognize that our customers may be affected through illness or job loss as a result of this pandemic. For those impacted, please contact us as there may be flexible payment options available for you.

 

Customers who pay by Cheque 
Due to recent events related to COVID-19, we are experiencing delays in our mail processing, which has resulted in some customers who pay using cheques inadvertently receiving late payment notices.  While cheque payments are still acceptable, we strongly recommend that you use other options, including online banking.

 

CUSTOMER SERVICE & OFFICE CLOSURES

To our customers, we are here for you as the Coronavirus (COVID-19) outbreak continues to evolve. We have made the difficult decision to temporarily close our branches to walk-in traffic until further notice. This is one way that we can do our part to promote social distancing and flatten the curve in the spread of Coronavirus. Please be assured that our service, claims and sales teams are available to support you, via phone and online. 


TRAVEL INSURANCE COVERAGE UPDATE 

Please see “Questions about COVID 19” at the bottom of this page for questions asked by customers currently travelling outside Canada, and also those with upcoming trips planned.

 

As of March 14, Global Affairs Canada is urging Canadians to return to Canada while commercial options are still available. The Government of Canada has stated travel plans may be severely disrupted and Canadians may be forced to remain outside of Canada longer than expected.

 

Following the Government of Canada’s formal advisory on March 13, 2020 advising all Canadians to return home, we’d like to remind you that Travel Insurance coverage for most customers ended on March 23, 2020 or ends after a period that is reasonably necessary for you to safely return home.


Customers currently outside Canada

 

For customers who left Canada before a travel advisory for your destination and who are trying to make arrangements to return to Canada, but were unable to do so before March 23, 2020, your coverage will continue for a period that is reasonably necessary for you to safely return home* if any of the following reasons apply:

 

  • There are no flights available, but you have booked the next available flight after March 23, 2020; proof of the purchased flight will be required.
  • Your current location is under quarantine or the national borders have been closed.
  • Your doctor has given medical advice not to travel; a written medical note will be required.  
  • You are experiencing another situation which makes you unable to reasonably and safely return home. These will be evaluated on a case by case basis.

 

*How to arrange a Coverage Extension?

 

You may need to purchase a coverage extension until you are able to reasonably and safely return to Canada. In order for your benefits to continue your policy can’t be expired. 

 

Your policy allows for an Automatic Extension of Coverage in some circumstances, and you should check your policy for specific details. This feature generally extends your coverage when:

 

  • If your common carrier (Air Canada, WestJet etc.) is delayed, or if your private vehicle breaks down or you have an accident on the way to your departure point, your coverage will be extended for up to an additional three days without additional charge. In this circumstance, if your flight is delayed for more than 3 days past your policy expiry date you MUST contact Johnson to arrange an extension. 
  • You are hospitalized or medically unable to return on your scheduled date, and extends your coverage without additional charge for up to five days after the date you are medically stable to travel, up to a maximum of 365 days. 

 

For other situations, a revised return date may require a policy extension.

 

To arrange supplementary coverage please call Johnson at 1-866-606-3362 Monday to Friday.

 

 

Customers with travel planned

 

  • If your trip was booked before any formal travel advisory was issued by the Government of Canada, you may have coverage for Trip Cancellation, subject to the terms and conditions of the Policy.
  • If you depart Canada after March 13, the date of the travel advisory, you will not have travel insurance coverage. We recognize that the decision to travel is a personal one. With the advisory in place, we strongly recommend that you postpone travel at this time. 
  • Customers cancelling trips that begin before April 30 can start a claim between now and April 30. 
  • Due to unprecedented call volumes, we ask that customers with travel commencing after April 30 wait until May 1 to start their Trip Cancellation claim. Waiting will help other customers with more urgent needs and allow us to respond to their inquiries. 

 

How to make a Claim 
 

  • You can make a claim online via Global Excel's claim portal. Click on “Notify us of a Claim” on the top right of the page. The website will guide you through the submission process.
  • Customers can also call 1-800-709-3420 though we are experiencing extremely high call volumes and long wait times, and need to prioritize members who are experiencing a medical emergency.
  • Due to these unprecedented call volumes, we ask that customers with travel commencing after April 30th to start a Trip Cancellation claim as of May 1st.  Trip Interruption claims can be submitted up to April 30th.
  • Rest assured that your Trip Cancellation/Interruption claim does not have to be submitted immediately.


NEW TRAVEL INSURANCE SALES 


Johnson has also made the decision to pause the selling of new MEDOC® Travel Insurance & Prestige Travel Insurance and Trip Cancellation/Interruption products, while we continue to evaluate the impact of Coronavirus on our travel insurance coverage.

 

For Quarter Century Club members, please email us your contact information at travelinsurance@johnson.ca, and a sales agent will contact you within 3 to 5 business days.

 

This situation is developing daily and we are committed to keeping our customers informed with the most current information posted on this page. 


IMPORTANT REFERENCES

Health Canada and the World Health Organization (WHO) regularly post important information and advice to stay safe. Please visit:

 

 

We also encourage our customers to regularly visit the Government of Canada’s Travel Advice and Advisories page for the most up to date information when making travel plans

 

UPDATED April 3, 2020

Have questions about COVID-19? We’re here to answer them

My return to Canada is delayed, do I need a coverage extension?

You may need to purchase a coverage extension until you are able to reasonably and safely return to Canada. In order for your benefits to continue your policy can’t be expired. 

Your policy allows for an Automatic Extension of Coverage in some circumstances, and you should check your policy for specific details. This feature generally extends your coverage when:

 

  • If your common carrier (Air Canada, WestJet etc.) is delayed, or if your private vehicle breaks down or you have an accident on the way to your departure point, your coverage will be extended for up to an additional three days without additional charge. In this circumstance, if your flight is delayed for more than 3 days past your policy expiry date you MUST contact Johnson to arrange an extension. 
  • You are hospitalized or medically unable to return on your scheduled date, and extends your coverage without additional charge for up to five days after the date you are medically stable to travel, up to a maximum of 365 days. 

For other situations, a revised return date may require a policy extension.

To arrange supplementary coverage please call Johnson at 1-866-660-3362 Monday to Friday. 
 

I am travelling to Florida on March 20th, can I use Trip Cancellation now?

Yes, as long as you booked your trip before the March 13th Government of Canada global travel advisory you are eligible for Trip Cancellation coverage.

Trips booked/Policy purchased prior to a formal travel advisory being issued:

As of March 13th, the Government of Canada issued an Official Global Travel Advisory, advising Canadians to avoid non-essential travel outside of Canada until further notice. This advisory applies to all international locations, including the USA. We encourage our customers to check their travel insurance policy to see if Trip Cancellation benefits are included.

Travel insurance policies instruct you to notify us of your claim on the day that the cause (insured risk) of cancellation, interruption or delay of trip occurs, or on the next business day. Due to the scope of this event, claims and assistance companies are experiencing an extremely high volume of calls. To alleviate this pressure, and ensure that people are not concerned that they will be penalized for not being able to get through, we are extending this period to notify us of a claim until April 30, 2020. This date may be extended as required, as this event is still changing rapidly.

As of March 14th, Global Affairs Canada is urging Canadians to return to Canada while commercial options are still available, stating that travel plans may be severely disrupted and Canadians may be forced to remain outside of Canada longer than expected.

We recognize that capacity within airlines or other travel suppliers may cause delays with your return. In the event of extenuating circumstances, and you are unable to get home, our customers’ health and safety are of the utmost concern. Rest assured your coverage will remain in place. With the increasing likelihood of additional border closures around the globe, we urge customers to act as quickly possible to make arrangements to return to Canada. 
 

I am outside of Canada for another month, do I need to start a trip interruption claim or can I just submit receipts when I return?

As of March 13th, the Government of Canada issued an Official Global Travel Advisory, advising Canadians to avoid non-essential travel outside of Canada until further notice. This advisory applies to all international locations, including the USA. Because this travel advisory or formal notice was issued after your departure date, your coverage under this policy will be limited to a period of 10 days from the date the travel advisory or formal notice was issued, or to a period that is reasonably necessary for you to safely evacuate the country, region, area or cruise. 

Travel insurance policies instruct you to notify us of your claim on the day that the cause (insured risk) of cancellation, interruption or delay of trip occurs, or on the next business day. Due to the scope of this event, claims and assistance companies are experiencing an extremely high volume of calls. To alleviate this pressure, and ensure that people are not concerned that they will be penalized for not being able to get through, we are extending this period to notify us of a claim until April 30, 2020. This date will be revisited as required, as this event is still changing rapidly.

As of March 14th, Global Affairs Canada is urging Canadians to return to Canada while commercial options are still available, stating that travel plans may be severely disrupted and Canadians may be forced to remain outside of Canada longer than expected.

We recognize that capacity within airlines or other travel suppliers may cause delays with your return. In the event of extenuating circumstances, and you are unable to get home, our customers’ health and safety are of the utmost concern. Rest assured your coverage will remain in place. With the increasing likelihood of additional border closures around the globe, we urge customers to act as quickly possible to make arrangements to return to Canada. 

To ensure customers with earlier trips are able to submit their claim, we are currently accepting claims for travel beginning on or before April 30th.

In order to prioritize customers who are experiencing a medical emergency, if you need to open a claim for Trip Cancellation and Interruption you may also open your claim online through Global Excel Management’s claim portal.

Click “Notify us of a Claim” on the top right of the page and the website will guide you through the submission process.
 

I can’t get through to Global Excel Management. Is there another way to report my claim and get support?

In order to prioritize customers who are experiencing a medical emergency, if you need to open a claim for Trip Cancellation and Interruption you may also open your claim online through Global Excel Management’s claim portal.

Click “Notify us of a Claim” on the top right of the page and the website will guide you through the submission process.
Travel insurance policies instruct you to notify us of your claim on the day that the cause (insured risk) of cancellation, interruption or delay of trip occurs, or on the next business day. Due to the scope of this event, claims and assistance companies are experiencing an extremely high volume of calls. To alleviate this pressure, and ensure that people are not concerned that they will be penalized for not being able to get through, we are extending this period to notify us of a claim until April 30, 2020. This date may be extended as required, as this event is still changing rapidly.

To ensure customers with earlier trips are able to submit their claim, we are currently accepting claims for travel beginning on or before April 30th.
 

How do I put in a Trip Cancellation claim?

You can contact our claims partner, Global Excel Management using the phone number included in your insurance policy or on your wallet card. Due to the scope of this event, claims and assistance companies are experiencing an extremely high volume of calls. To alleviate this pressure, and ensure that people are not concerned that they will be penalized for not being able to get through, we are extending this period to notify us of a claim until April 30, 2020. This date will be revisited as required, as this event is still changing rapidly.

In order to prioritize customers who are experiencing a medical emergency, if you need to open a claim for Trip Cancellation and Interruption you You may also open your claim online through Global Excel Management’s claim portal.

Click “Notify us of a Claim” on the top right of the page and the website will guide you through the submission process.

Am I covered if my trip is interrupted due to a travel advisory being issued after my departure?

As of March 14th, Global Affairs Canada is urging Canadians to return to Canada while commercial options are still available, stating that travel plans may be severely disrupted and Canadians may be forced to remain outside of Canada longer than expected.

If your trip is interrupted due to a travel advisory being issued after your departure, coverage would apply. Your coverage will be limited to a period of 10 days from the date the travel advisory or formal notice was issued, or to a period that is reasonably necessary for you to safely evacuate the country, region, area or cruise.

We recognize that capacity within airlines or other travel suppliers may cause delays with your return. In the event of extenuating circumstances, and you are unable to get home, our customers’ health and safety are of the utmost concern. Rest assured your coverage will remain in place. With the increasing likelihood of additional border closures around the globe, we urge customers to act as quickly possible to make arrangements to return to Canada.

How do I put in a Trip Interruption claim so I can return to Canada in the 10 days, as required by my policy?

You can contact our claims partner, Global Excel Management using the phone number included in your insurance policy or on your wallet card. 

In order to prioritize customers who are experiencing a medical emergency, if you need to open a claim for Trip Cancellation and Interruption you may also open your claim online through Global Excel’s claim portal.

Click “Notify us of a Claim” on the top right of the page and the website will guide you through the submission process.

Due to the scope of this event, claims and assistance companies are experiencing an extremely high volume of calls. To alleviate this pressure, and ensure that people are not concerned that they will be penalized for not being able to get through, we are extending this period to notify us of a claim until April 30, 2020. This date will be extended if required, as this event is still changing rapidly.

To ensure customers with earlier trips are able to submit their claim, we are currently accepting claims for travel beginning on or before April 30th.

As of March 14th, Global Affairs Canada is urging Canadians to return to Canada while commercial options are still available, stating that travel plans may be severely disrupted and Canadians may be forced to remain outside of Canada longer than expected.

We recognize that capacity within airlines or other travel suppliers may cause delays with your return. In the event of extenuating circumstances, and you are unable to get home, our customers’ health and safety are of the utmost concern. Rest assured your coverage will remain in place. With the increasing likelihood of additional border closures around the globe, we urge customers to act as quickly possible to make arrangements to return to Canada. 
 

I am in Mexico, planning to return on March 25th, 12 days after a formal travel advisory was issued for all countries. Will I have medical coverage until I return?

As of March 14th, Global Affairs Canada is urging Canadians to return to Canada while commercial options are still available, stating that travel plans may be severely disrupted and Canadians may be forced to remain outside of Canada longer than expected.

As of March 13th, the Government of Canada issued an Official Global Travel Advisory, advising Canadians to avoid non-essential travel outside of Canada until further notice. This advisory applies to all international locations. Because this travel advisory or formal notice was issued after your departure date, your coverage under this policy will be limited to a period of 10 days from the date the travel advisory or formal notice was issued, or to a period that is reasonably necessary for you to safely evacuate the country, region, area or cruise. If the earliest reasonable date that you could return was 12 days after a formal notice was issued, your medical coverage would still apply.

We recognize that capacity within airlines or other travel suppliers may cause delays with your return. In the event of extenuating circumstances, and you are unable to get home, our customers’ health and safety are of the utmost concern. Rest assured your coverage will remain in place. With the increasing likelihood of additional border closures around the globe, we urge customers to act as quickly possible to make arrangements to return to Canada. 

I have a cruise booked and the Government is advising Canadians to avoid cruise travel due to the COVID-19. Am I covered for medical emergencies if I travel as planned?

This advisory is considered the same as any other advisory to "Avoid all travel" or "Avoid non-essential travel". There are some limitations and exclusions which are important to understand, specifically around the timing of your trip and the timing of Government of Canada Travel advisories.

If the  Government of Canada issues a travel advisory or formal notice before your departure date, advising travelers to "Avoid all travel", "Avoid non-essential travel" or "Avoid all cruise ship travel", medical emergency coverage will be excluded/limited.

If the travel advisory or formal notice is issued after your departure date, your coverage under this policy will be limited to a period of 10 days from the date the travel advisory or formal notice was issued, or to a period that is reasonably necessary for you to safely evacuate the country, region, area or cruise.

We recognize that capacity within airlines or other travel suppliers may cause delays with your return. In the event of extenuating circumstances, and you are unable to get home, our customers’ health and safety are of the utmost concern. Rest assured your coverage will remain in place. With the increasing likelihood of additional border closures around the globe, we urge customers to act as quickly possible to make arrangements to return to Canada. 

How does a travel advisory issued by the Government of Canada affect my coverage if I am diagnosed with the Coronavirus while travelling?

As of March 14th, Global Affairs Canada is urging Canadians to return to Canada while commercial options are still available, stating that travel plans may be severely disrupted and Canadians may be forced to remain outside of Canada longer than expected.

Travel insurance is designed to cover losses arising from sudden and unforeseeable circumstances. If you are diagnosed with the Coronavirus while travelling, you may have coverage. There are some limitations and exclusions which are important to understand, specifically around the timing of your trip and the timing of Government of Canada Travel advisories.

If the Government of Canada issues a travel advisory or formal notice before your departure date, advising travelers to "Avoid all travel", "Avoid non-essential travel" or "Avoid all cruise ship travel", medical emergency coverage will be excluded/limited 

If the travel advisory or formal notice is issued after your departure date, your coverage under this policy will be limited to a period of 10 days from the date the travel advisory or formal notice was issued, or to a period that is reasonably necessary for you to safely evacuate the country, region, area or cruise, subject to the limitations and exclusions of the policy.

We recognize that capacity within airlines or other travel suppliers may cause delays with your return. In the event of extenuating circumstances, and you are unable to get home, our customers’ health and safety are of the utmost concern. Rest assured your coverage will remain in place. With the increasing likelihood of additional border closures around the globe, we urge customers to act as quickly possible to make arrangements to return to Canada. 

Am I covered for medical coverage during my trip, if I have been diagnosed with Coronavirus prior to leaving?

Exclusions for pre-existing medical conditions may apply to medical conditions and/or symptoms that existed before your trip. Refer to your policy to determine how these exclusions affect your coverage and how they relate to your departure date. 

Assuming the formal advisories are still in place, can I cancel right up to the day I was planning to leave? (What is time limit on making a Trip Cancellation claim, does it have to be now?)

Travel insurance policies instruct you to notify us of your claim on the day that the cause (insured risk) of cancellation, interruption or delay of trip occurs, or on the next business day. Due to the scope of this event, claims and assistance companies are experiencing an extremely high volume of calls. To alleviate this pressure, and ensure that people are not concerned that they will be penalized for not being able to get through, we are extending this period to notify us of a claim until April 30, 2020. This date may be extended as required, as this event is still changing rapidly.

To ensure customers with earlier trips are able to submit their claim, we are currently accepting claims for travel beginning on or before April 30th.

In order to prioritize customers who are experiencing a medical emergency, if you need to open a claim for Trip Cancellation and Interruption you may also open your claim online through Global Excel Management’s claim portal.

Click “Notify us of a Claim” on the top right of the page and the website will guide you through the submission process.
 

If a tour operator cancelled our trip due to COVID-19 and has fully refunded our money and we are no longer travelling, can I cancel our insurance and receive a full refund?

Policies that include coverage for Trip Cancellation and Trip Interruption are typically not refundable after the effective date of coverage. Refer to your policy, as some allow refunds when your travel supplier cancels your trip and waives all penalty fees.

Annual plans are not refundable after the effective date.

For single trip plans, including top-ups, extensions and supplemental plans covering emergency medical expenses only, you may be able to receive a full refund if you cancel prior to your effective date, or a partial refund may be available if you request your refund afterwards. Please refer to your policy for details. 

I have a cruise booked and the Canadian Government is advising Canadians to avoid cruise travel due to the COVID-19. Am I covered if I cancel my booking?

Trips booked/Policy purchased prior to March 9, 2020: This advisory is considered the same as any other advisory to "Avoid all travel", "Avoid non-essential travel". Cruises booked prior to the advisory are eligible for trip cancellation coverage – a cruise booked after the advisory is issued is not eligible. Please contact your cruise company or tour operator first to determine what refunds or credits are available.

I had to cancel my cruise and was given a credit for a trip at a later date. Can I claim under Trip Cancellation if I no longer want to take a cruise?

Trip Cancellation/Trip Interruption insurance is designed to cover losses arising from sudden and unforeseeable circumstances. 

You are covered for amounts that are not reimbursed through refund, voucher or credit. Changing your mind with regards to the type of trip is not an insured risk.

I’m in England, can I put in a claim after the 10 days is over or is that too late?

Travel insurance policies instruct you to notify us of your claim on the day that the cause (insured risk) of cancellation, interruption or delay of trip occurs, or on the next business day. Due to the scope of this event, claims and assistance companies are experiencing an extremely high volume of calls. To alleviate this pressure, and ensure that people are not concerned that they will be penalized for not being able to get through, we are extending this period to notify us of a claim until April 30, 2020. This date will be extended if required, as this event is still changing rapidly.

To ensure customers with earlier trips are able to submit their claim, we are currently accepting claims for travel beginning on or before April 30th.

In order to prioritize customers who are experiencing a medical emergency, if you need to open a claim for Trip Cancellation and Interruption you may also open your claim online through Global Excel Management’s claim portal.

Click “Notify us of a Claim” on the top right of the page and the website will guide you through the submission process.
 

I drove to Texas for the winter, but my car is broken. Can you fly me back?

As of March 14th, Global Affairs Canada is urging Canadians to return to Canada while commercial options are still available, stating that travel plans may be severely disrupted and Canadians may be forced to remain outside of Canada longer than expected.

As of March 13th, the Government of Canada issued an Official Global Travel Advisory, advising Canadians to avoid non-essential travel outside of Canada until further notice. This advisory applies to all international locations. Because this travel advisory or formal notice was issued after your departure date, your coverage under this policy will be limited to a period of 10 days from the date the travel advisory or formal notice was issued, or to a period that is reasonably necessary for you to safely evacuate the country, region, area or cruise.

If you are able to fix your car within a reasonable amount of time, your coverage will continue until you are able to come home. If this is not possible, your policy may contain benefits and limits to cover transportation back to your departure point.

We recognize that capacity within airlines or other travel suppliers may cause delays with your return. In the event of extenuating circumstances, and you are unable to get home, our customers’ health and safety are of the utmost concern. Rest assured your coverage will remain in place. With the increasing likelihood of additional border closures around the globe, we urge customers to act as quickly possible to make arrangements to return to Canada. 

Can I extend my trip if I would rather stay here?

As of March 13th, the Government of Canada issued an Official Global Travel Advisory, advising Canadians to avoid non-essential travel outside of Canada until further notice. This advisory applies to all international locations. Because this travel advisory or formal notice was issued after your departure date, your coverage under this policy will be limited to a period of 10 days from the date the travel advisory or formal notice was issued, or to a period that is reasonably necessary for you to safely evacuate the country, region, area or cruise.

As of March 14th, Global Affairs Canada is urging Canadians to return to Canada while commercial options are still available, stating that travel plans may be severely disrupted and Canadians may be forced to remain outside of Canada longer than expected.

We recognize that capacity within airlines or other travel suppliers may cause delays with your return. In the event of extenuating circumstances, and you are unable to get home, our customers’ health and safety are of the utmost concern. Rest assured your coverage will remain in place. With the increasing likelihood of additional border closures around the globe, we urge customers to act as quickly possible to make arrangements to return to Canada.

If I’m quarantined—but not diagnosed or hospitalized with COVID-19—and am unable to return home before my insurance policy ends, will you extend my coverage?

As of March 13th, the Government of Canada issued an Official Global Travel Advisory, advising Canadians to avoid non-essential travel outside of Canada until further notice. This advisory applies to all international locations, including the USA. The insured would be covered for a maximum of 10 days from the date of the advisory or to a period that is reasonably necessary to safely evacuate that area.  If they cannot reasonably return because their quarantine is not over, a top-up or extension may need to be purchased to ensure continued coverage.

As of March 14th, Global Affairs Canada is urging Canadians to return to Canada while commercial options are still available, stating that travel plans may be severely disrupted and Canadians may be forced to remain outside of Canada longer than expected.

We recognize that capacity within airlines or other travel suppliers may cause delays with your return. In the event of extenuating circumstances, and you are unable to get home, our customers’ health and safety are of the utmost concern. Rest assured your coverage will remain in place. With the increasing likelihood of additional border closures around the globe, we urge customers to act as quickly possible to make arrangements to return to Canada. 

How does Trip Interruption work? Will you just fly me home and cover all my travel costs?

You can refer to your policy for specific details on how to claim and what will be covered. 

  • You can contact Global Excel Management using the number included in your policy or on your wallet card, or through their online claims portal.
  • You will need to provide the required information and supporting documents for your claim.
  • You may be required to complete a Claim & Authorization form which provides additional details (see policy for details)
I am in Australia until July 30th, will I have medical coverage until I return?

As of March 13th, the Government of Canada issued an Official Global Travel Advisory, advising Canadians to avoid non-essential travel outside of Canada until further notice. This advisory applies to all international locations. Because this travel advisory or formal notice was issued after your departure date, your coverage under this policy will be limited to a period of 10 days from the date the travel advisory or formal notice was issued, or to a period that is reasonably necessary for you to safely evacuate the country, region, area or cruise. 

As of March 14th, Global Affairs Canada is urging Canadians to return to Canada while commercial options are still available, stating that travel plans may be severely disrupted and Canadians may be forced to remain outside of Canada longer than expected.

We recognize that capacity within airlines or other travel suppliers may cause delays with your return. In the event of extenuating circumstances, and you are unable to get home, our customers’ health and safety are of the utmost concern. Rest assured your coverage will remain in place. With the increasing likelihood of additional border closures around the globe, we urge customers to act as quickly possible to make arrangements to return to Canada.

Am I covered for Trip Cancellation if I book a trip to a destination that has a travel advisory now, but is later removed?

No, purchasing a trip to a location which is currently under an applicable travel advisory will not be covered for Trip Cancellation as a result of the travel advisory, even if the travel advisory is later removed. The travel advisory/formal notice by the Canadian Government would have had to be issued after the purchase of your trip and prior to your departure date for Trip Cancellation Benefits related to the advisory to be available.

Trip Cancellation benefits will still apply if you need to cancel due to another insured reason outlined in your policy (ex. A family member passes away).

I am in Arizona until April 30th. Do I need to return to Canada now?

Your coverage for emergency medical or trip interruption benefits will end as of March 23rd or as soon as reasonable for you to safely evacuate the country, region, area or cruise.

As of March 13th, the Government of Canada issued an Official Global Travel Advisory, advising Canadians to avoid non-essential travel outside of Canada until further notice. This advisory applies to all international locations, including the USA. Because this travel advisory or formal notice was issued after your departure date, your coverage under this policy will be limited to a period of 10 days from the date the travel advisory or formal notice was issued, or to a period that is reasonably necessary for you to safely evacuate the country, region, area or cruise, subject to the limitations and exclusions of the policy.

If your current travel insurance coverage will expire before March 23rd or when you are reasonably necessary for you to safely evacuate the country, region, area or cruise, please contact 1-866-606-3362 to purchase the additional days required.

As of March 14th, Global Affairs Canada is urging Canadians to return to Canada while commercial options are still available, stating that travel plans may be severely disrupted and Canadians may be forced to remain outside of Canada longer than expected.

We recognize that capacity within airlines or other travel suppliers may cause delays with your return. In the event of extenuating circumstances, and you are unable to get home, our customers’ health and safety are of the utmost concern. Rest assured your coverage will remain in place. With the increasing likelihood of additional border closures around the globe, we urge customers to act as quickly possible to make arrangements to return to Canada.