COVID-19 Travel Insurance

Author: Sara B.

Published: February 18th, 2022 | Updated: September 13th, 2022
Read time: 3 mins

The COVID-19 pandemic has had a significant impact on travel, and travel insurance has become even more important because of it. Canadian travellers have questions, and we’re here to help.

The first step in planning your travel is to review the Government of Canada’s Official Global Travel Advisory regarding any travel restrictions in effect for any destination. This site includes up-to-date information about how the pandemic is affecting Canadian travel, testing and quarantine requirements, and entry requirements for those planning to visit Canada. The situation is fluid and continues to evolve, so please refer to the latest information when planning your travel.

Does travel insurance cover the coronavirus/covid pandemic?

Travel insurance is unique to each traveller and coverage options will depend on the travel concerns most important to you. Coverage options that may apply to concerns related to the COVID-19 pandemic include emergency medical, trip cancellation/interruption, and quarantine coverage. Carefully review your policy to ensure you have the appropriate coverage specific to your individual travel concerns. Some plans may exclude epidemics/pandemics and may not provide coverage for related issues. Please be sure to read the plan details carefully before purchasing and if you have questions, our Customer Care team is available to assist.

Does travel insurance cover quarantine?

For Canadian travellers concerned with mandatory quarantine or lockdown interrupting their trip plans, some policies may offer coverage for quarantine. Refer to your policy to see what is, or is not, covered. If you have further questions about specific coverages, our Customer Care team is available to help you review and explain any exclusions.

How much does covid travel insurance cost?

Travel insurance is not one-size-fits-all, so the price and conditions of a plan will vary. If specifically interested in policies that include coverage for COVID-19 related concerns, travellers should always check what is included in the plan to ensure this coverage is included and not at an additional cost.

Which travel insurance is best for covid?

The best travel insurance for your unique trip depends on the coverages that matter most to you. Most travel medical policies focus on international medical coverage and emergency evacuation, particularly when you are travelling out-of-province or overseas. Trip cancellation policies offer coverage in case of cancellation, interruption, delay, and more. An all-inclusive policy is the most comprehensive option of coverage which includes medical, emergency evacuation, cancellation, and interruption, and may include additional benefits like cruise cancellation/interruption. Cancel for Any Reason (CFAR) is a popular option that allows for the most flexibility but does have additional requirements and conditions that must be met. No matter which policy you choose, if protection against COVID-19 is a priority for your trip, you will want to ensure your plan does not have exclusions for COVID-19 related concerns.