Did you know your travel insurance does not cover you everywhere?

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Travel insurance coverage

Most Canadians are not aware that your travel insurance coverage could be reduced or even cancelled if you are traveling in a country in which the Canadian Government issued a travel advisory. The government issues a few different degrees of warnings. This could affect your coverage under the plan selected.

The degrees of warnings are as follows:

Exercise normal security precautions:

There are no significant safety and security concerns. The overall safety and security situation is similar to that of Canada. You should take normal security precautions.

Exercise a high degree of caution:

There are identifiable safety and security concerns, or the safety and security situation could change with little notice. You should always exercise a high degree of caution, monitor local media, and follow the instructions of local authorities.

Avoid non-essential travel:

There are specific safety and security concerns that could put you at risk. You should reconsider your need to travel to the country, territory, or region. If you are already in the country, territory, or region, you should reconsider whether or not you need to be there. If not, you should consider leaving while it is still safe to do so. It is up to you to decide what “non-essential travel” means, based on family or business requirements, knowledge of or familiarity with a country, territory, or region, and other factors.

Avoid all travel:

There is an extreme risk to your safety and security. You should not travel to this country, territory, or region. If you are already in the country, territory, or region, you should consider leaving if it is safe to do so.

The Canadian government strongly advises that you follow the advisories.

Insurance companies take these warnings into effect to determine if your medical emergency abroad is covered. Also, this doesn’t mean that you are automatically excluded during your trip, but it could impact your coverage. Our suggestions to you would be to always verify the warnings before a trip. You can visit www.travel.gc.ca under travel and tourism.