COVID-19 information
We're continually making efforts to provide you with the support and guidance you need. Wherever you may be, your health and safety are our priority. When planning your next getaway, please refer to our guide to safe travel.
Support and advice
Before traveling, read about
government advisories
Travel with the proper coverage
Have the proper coverage for the duration of your trip. View our guide to choose your travel insurance
Insurance for a trip within Canada
Even within Canada, travel insurance is essential. Find out why
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Frequently Asked Questions
Travel Insurance
Select your situation
I have a travel insurance contract and I am already travelling
No. Trip Cancellation or Interruption Insurance does not cover situations that were known at the time the insurance contract was purchased or the trip was booked. We consider COVID-19 to be a known situation since March 12, 2020.
No. The Emergency Medical Care benefit covers the expenses for subsistence allowance only in the event of a medical emergency.
We cannot guarantee that Travel Assistance will have access to all the information regarding COVID-19 testing centres at your destination.
We recommend that you contact the local health authorities for the most up-to-date information about vaccination.
No. The Emergency Medical benefit covers diagnostic services when prescribed by a physician following a medical emergency or sudden illness.
No. The Emergency Medical Care benefit does not cover preventative care such as vaccines. It covers medical care or services required following an accident or sudden illness.
The Emergency Medical Care benefit covers medical care or services required as a result of an accident or sudden illness. If such care is required due to side effects of the COVID-19 vaccine, you will be covered by this insurance.
Repatriation is covered if it is deemed necessary and safe by Travel Assistance and the attending physician at the destination.
If you need emergency medical care during your trip, contact Travel Assistance immediately.
The numbers to reach this 24/7 service are as follows:
- From Canada or the United States: 1-800-361-6068 (toll free)
- From Mexico: 800-062-3174 (toll free)
- From the Dominican Republic: 1-800-203-9666 (toll free)
- From elsewhere in the world: 1-800-7328-7473 (toll free) or 514-286-8411 (collect)
If you cannot reach Travel Assistance, do whatever is necessary to stabilize your situation (e.g., go to a nearby hospital). Once you have been taken care of, contact Travel Assistance as soon as possible.
No. Trip Cancellation or Interruption insurance does not cover situations that were known at the time the insurance contract was purchased or the trip was booked. We consider COVID-19 to be a known situation since March 12, 2020.
If proof of coverage is requested by a government authority, contact us at 514 905-5050 or 1 855 599-5050.
Please note that the Emergency Medical Care benefit covers each insured person up to a maximum of $5,000,000 per trip.
No, you will not receive subsistence allowance if you must quarantine upon your return to Canada.
No. Travel insurance must be purchased prior to your departure from your province of residence and cover the entire duration of your trip (from the date of departure until the date of return to your province of residence). You must therefore purchase insurance before your departure.
If you are in a particular situation, please contact 514 905-5050 or 1 855 599-5050.
Your insurance contract will automatically be extended free of charge for the duration of the hospitalization and for 24 hours following discharge from the hospital or up to 72 hours when the return is postponed due to a medical emergency that started within 24 hours of the expected return date and requires emergency treatment.
If you or your travelling companion must postpone your return because you need to receive care related to COVID-19, you will also have access to expenses for subsistence allowance, such as:
- Accommodation costs in a commercial establishment
- Meals
- Taxi transportation
- Childcare costs for dependent children who accompany you on the trip
I want to purchase a travel insurance contract
No. Trip Cancellation or Interruption Insurance does not cover situations that were known at the time the insurance contract was purchased or the trip was booked. We consider COVID-19 to be a known situation since March 12, 2020.
Yes, we cover cruises, according to the benefits selected.
Emergency Medical Care benefit
Yes, if you meet the pre-existing medical condition requirements of your contract. For example, if you tested positive for COVID-19 or had symptoms before the effective date of your contract, you will not be covered for this illness.
Trip Cancellation or Interruption benefit
No. Trip Cancellation or Interruption insurance does not cover situations that were known at the time the insurance contract was purchased or the trip was booked. We consider COVID-19 to be a known situation since March 12, 2020.
Emergency Medical Care benefit
Yes, if you meet the pre-existing medical condition requirements of your contract. For example, if you tested positive for COVID-19 or had symptoms before the effective date of your contract, you will not be covered for this illness. However, while the travel advisories of the Government of Canada do not affect your coverage, we recommend that you follow government and health authority recommendations.
Trip Cancellation or Interruption benefit
No. Trip Cancellation or Interruption Insurance does not cover situations that were known at the time the insurance contract was purchased or the trip was booked. We consider COVID-19 to be a known situation since March 12, 2020.
No. All destinations are covered by Emergency Medical Care insurance.
Emergency Medical Care benefit
Yes. The travel advisories of the Government of Canada do not affect your insurance eligibility. However, we recommend that you follow government and health authority recommendations.
Trip Cancellation or Interruption benefit
This benefit contains limitations regarding government advisories. Please refer to our policy to find out more.
Please note that this benefit no longer covers COVID-19 since March 12, 2020, the date we consider COVID-19 as a known situation.
No. The Emergency Medical Care benefit has always covered COVID-19 and the Trip Cancellation or Interruption benefit has always included an exclusion for known situations.
Vaccination has no impact on our insurance premiums.
Vaccination does not affect insurance eligibility.
Yes, since certain medical expenses are not reimbursed by the public health insurance plan when you travel outside your province of residence.
If your trip takes place entirely within Canada, you will be able to purchase coverage for Emergency Medical Care in Canada. If you wish to travel outside the country, then you will need to purchase Emergency Medical Care coverage.
Vaccination does not affect our travel insurance coverage.
Repatriation is covered if it is deemed necessary and safe by Travel Assistance and the attending physician at the destination
I have an insurance contract and I want to cancel or postpone my trip
If you wish to cancel or postpone your trip due to COVID-19, begin by contacting the service provider (e.g., travel agency or airline) that sold you the trip to request a refund.
Please note that the Trip Cancellation or Interruption benefit no longer covers COVID-19 since March 12, 2020, the date from which we consider COVID-19 to be a known and uninsurable situation.
To find out if it is possible to change the dates of your individual travel insurance contract, contact the authorized representative (broker or travel agency) that sold you the contract, or contact us at 514 905-5050 or 1 855 599-5050.
No. Prepaid travel expenses must not be recoverable in any way to be eligible for reimbursement.
I already have a travel insurance contract, but I have not yet purchased my trip
The Emergency Medical Care benefit covers you for as long as your contract is in effect once you leave your province of residence.
However, we recommend that you follow health authority recommendations.
No. Trip Cancellation or Interruption insurance does not cover situations that were known at the time the insurance contract was purchased or when the trip was booked. We consider COVID-19 to be a known situation since March 12, 2020.
If proof of coverage is requested by a government authority, contact us at 514 905-5050 or 1 855 599-5050.
Please note that the Emergency Medical Care benefit covers each insured person up to a maximum of $5,000,000 per trip.
Visitors to Canada insurance
If you have been diagnosed with the COVID-19 infection or show symptoms of it before the effective date of your insurance contract, you will unfortunately not be covered for care related to this condition.
To extend your insurance, please contact us at 514 905-5050 or 1 855 599-5050. Make sure you do this before the expiry date of the contract.
Yes, as long as you were not diagnosed with the COVID-19 infection or had symptoms of it before the effective date of your contract.
To learn more, please see the exclusions and reductions of coverage for the Visitors to Canada insurance policy.
Repatriation is covered if it is deemed necessary and safe by Travel Assistance and the attending physician at the destination.
I have a question about COVID-19 vaccine
Vaccination does not affect our travel insurance coverage. The Emergency Medical Care benefit covers each insured person up to $5,000,000 per trip, regardless of whether the person is vaccinated or not, as long as you meet the pre-existing medical condition requirements. For example, if you have been diagnosed with or have symptoms of COVID-19 prior to the effective date of your contract, you will not be covered for this illness. The Trip Cancellation or Interruption benefit no longer covers COVID-19 as of March 12, 2020, the date from which we consider COVID-19 to be a known uninsurable condition.
No. Preventive care services such as vaccines are not covered by travel insurance. It covers urgent care required following an accident or sudden illness.
Yes. Urgent care necessary to treat side effects of the COVID-19 vaccine are covered.
Vaccination has no impact on our insurance premiums.
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