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COVID-19 travel insurance coverage for Canadians

You can now be covered for medical costs if you’re infected by the COVID-19 virus while travelling. Coverage for COVID-19 related medical expenses is currently offered by several insurance providers for those travelling out-of-province or internationally.

Though coverage types and amounts may vary by insurance provider, the following list identifies COVID-19 protections that may be offered as part of, or as an add-on for, emergency medical travel insurance:

Emergency medical costs, including intensive care, medical tests and medications, for up to $1,000,000 CAD per insured.
Non-COVID-19 emergency medical coverage for physical injury and illness for up to $5,000,000 CAD per insured.
Quarantine related costs, including meals and accommodation, for up to of $2,100 CAD per insured.
Ambulance transportation costs.
Air evacuation from destination to Canada. This includes a one-way economy ticket for the insured, and may also include passage for dependents and travelling companions.
In the event of death, repatriation costs for up to $5,000 per insured.

Before you travel

Read the Government of Canada's pandemic COVID-19 travel health notice and find out about the health risks associated with your destination.
Visit the Government of Canada's Coronavirus disease (COVID-19): Travel restrictions, exemptions and advice page to understand the recommended health precautions.

Your passport to stress-free travel

Whether you use it or not, travel insurance exists for a reason. Taking a chance and not buying protection for your trip means putting your savings and your health at risk. No matter what part of the world you are travelling to, and no matter how long you are going away for — your insurance will travel with you. Make sure you are prepared for anything by comparing travel quotes online and finding the best rates for coverage.

Frequently asked questions about travel insurance and coronavirus (COVID-19)

Coronavirus is an unprecedented international pandemic. Here’s how it might affect your travel plans, and your travel insurance coverage.

Does travel insurance cover coronavirus?

Certain travel insurance plans can provide you with comprehensive COVID-19 (coronavirus) coverage. While comparing travel insurance plans, look for the most comprehensive COVID-19 coverage to give you the peace of mind you're looking for when travelling.

Compare the best COVID-19 travel insurance plans on RATESDOTCA.

Can I cancel my trip because of coronavirus?

If you purchased trip cancellation insurance, you might be covered if you decide to cancel your trip depending on when you purchased your policy. Many travel insurance providers are now excluding COVID-19 related cancellations for coverage purchased after a certain date. Each provider is different, so check your policy to find out if you can cancel your trip for this reason. It might not be too late.

If you’re worried about coronavirus and you’re currently making travel plans, consider purchasing trip cancellation coverage or a comprehensive COVID-19 travel insurance plan to keep you covered incase you get infected with the coronavirus while abroad.

Does my credit card travel insurance cover me if I contract coronavirus abroad?

Many credit cards offer travel insurance, but not all credit card travel insurance is created equally. You’re going to want to ask a couple of questions first:

Does the policy include emergency medical travel insurance?
Does your policy cover just you, or your whole family?
Did you book the trip on that credit card?

Credit cards require you to have booked the trip on that card for the travel insurance to be valid. Depending on the credit card, coverage might only apply to you or it may extend to your family, so read the fine print to find out for sure. If it only includes you, you will likely want to purchase additional travel insurance for your family.

Credit cards rarely cover trip interruption or trip cancellation insurance, so you will likely have to purchase that coverage separately.

Do my employer benefits cover me for coronavirus?

If you have emergency medical travel insurance under your employee benefits, you might be covered.

Similar to credit cards, double check your policy to see if coverage applies to just you, or if it extends to your entire family. Many people opt to purchase additional travel insurance coverage when their employee benefits aren’t enough. As with credit card coverage, it’s unlikely trip cancellation is covered. If you want that type of coverage, you will have to purchase it separately.

Which travel destinations might not be covered by travel insurance?

Advisories are updated daily. For the most up to date and accurate information on Canadian travel advisories related to coronavirus, please visit the official Government of Canada website.

*Based on the average savings found on RATESDOTCA for emergency medical travel insurance for a single traveller, age 30 with no pre-existing conditions travelling to U.S. for 10 days, as compared with the published rates of three financial institutions for their equivalent insurance. Actual savings vary depending on number of travellers, age, trip duration, medical conditions, and coverage selected. Based on research as of August 2020.