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October 22, 2021

Emergency Travel Coverage with Canada’s New Announcement

As of October 21, 2021, Global Affairs Canada has removed their Level 3 worldwide travel advisory though cruise ship travel remains at Level 4 – Avoid All Travel, and other countries, regions, and areas remain Level 3 or higher due to COVID-19. Refer to the following page for specific details:

You may be wondering how this affects your travel coverage going forward. First, the removal of this travel advisory means that any sudden and unforeseen medical injury or illness related to COVID-19 is now considered an eligible expense under ARTA’s Emergency Travel Plan, excluding cruise ships and countries, regions, or areas that are still subject to a Level 3 or higher travel advisory. Additionally, COVID-19 coverage is included in ARTA’s Supplementary Travel insurance for trips of more than 92 days.

If you are currently travelling outside of Canada, you are now covered for any sudden and unforeseen injury or illness related to COVID-19. You do not need to return to your province of residence to reset your coverage.

Contracting COVID-19 Abroad:

If you test positive for COVID-19 while travelling and are quarantined (but not hospitalized) as a result, you will not be covered for any costs related to quarantine meals, accommodation, or further COVID-19 testing. This situation would not constitute a medical emergency.

Existing COVID-19 “top-up” Travel Insurance:

If you purchased COVID-19 “top-up” travel insurance from a separate provider, check the terms and conditions of your policy to see if you are eligible to cancel your coverage and receive a reimbursement. ARTA is not able to reimburse you for any coverage purchased from another provider.

Should Another Worldwide Advisory Take Effect:

If Global Affairs Canada reinstates their global travel advisory or increases the advisory level of the country, region, or area you are visiting, you will have 10 days of remaining coverage from the time when the advisory is announced. After 10 days, your coverage specifically related to the travel advisory will end.

Trip Cancellation and Interruption Coverage:

If you contract COVID-19 prior to departure and need to cancel your trip as a result, you can cancel using the usual, pre-pandemic methods. If you receive a reimbursement or credits upon cancelling your travel or accommodation, trip cancellation coverage does not apply.

If you contract COVID-19 while on your trip and miss flights as a result, you will be able to make a claim for the interruption. However, if you are not delayed or hospitalized due to COVID-19, you are not eligible to be covered for trip interruption.

While the worldwide travel advisory has been lifted, it is still recommended that ARTA members exercise caution while travelling and take appropriate precautions (including getting vaccinated) to protect themselves against the health threats posed by COVID-19.