Since October 1, 2020, the following situations apply BEFORE YOUR DEPARTURE if your insurance includes trip cancellation coverage:
If the Government of Canada’s travel health notice for your travel destination changes from Level 1 or 2 at the time of purchase to Level 3 before your departure, then it is possible to cancel your trip. If you decide to travel, you will still be covered for travel assistance (emergency medical expenses including COVID-19) for as long as the Government of Canada’s travel health notice level does not change to Level 4.
If the Government of Canada’s travel health notice for your travel destination changes from Level 1, 2 or 3 at the time of purchase to Level 4 before your departure, then it is possible and recommended that you cancel your trip. If you do not, you will not be covered for travel assistance.
The Government of Canada issues 4 travel health notices for travel destinations as follows:
Level 1 - Exercise normal security precautions
Level 2 - Exercise a high degree of caution
Level 3 - Avoid all non-essential travel
Level 4 - Avoid all travel