What travellers need know about COVID-19

March 13, 2020 | CAA Insurance

Blog-Featured-Coronavirus

Last updated: March 13, 2020

As the COVID-19 situation continues to unfold, CAA Niagara is committed to ensuring its Members and the community have access to the most up to date information regarding travel. On this page you’ll find information and links regarding:

  • Travel restrictions
  • What to do if you or a loved on are traveling or are booked to travel in the near future
  • Travel medical and trip interruption insurance coverage
  • CAA Tuxedo Tours multi- and day tours

Travel Restrictions

The COVID-19 situation is frequently changing and developing, and new travel advisories, recommendations and restrictions are emerging. For the most up-to-date information on these restrictions, visit:

The Government of Canada's website

World Health Organization link

Centre for Disease Control and Prevention

You can also contact your travel consultant for destination-specific information and cancellation policies.

If you or loved one are travelling or are booked to travel

If you or a loved one are already travelling, or are booked to travel in the near future, contact your travel agent directly. You can find a list of CAA Niagara Travel consultants here.

If you have purchased travel insurance and have questions about your coverage, click here.

Tuxedo Tours Multi and Day Tours

Due to venue closures, some upcoming CAA Tuxedo Tours Multi and Day tips have been cancelled or postponed. For a list of tours that have been affected, visit our tour listings page.

Stay Informed

Check for any restrictions that may impact you prior to embarking on your trip.

  • Consult your airline, tour operator, or CAA Travel Agent
  • Check with your destination country’s official government website or their Ministry of Tourism’s website
  • Carefully review your travel insurance policy to fully understand your coverage level and how any travel restrictions may impact you

Travel Insurance FAQ's

I am already booked to travel to a country or region where there is a Government of Canada advisory in effect to avoid all non-essential travel OR to avoid all travel, but I have not left yet. Can I cancel and get a refund with my CAA Cancellation Insurance?

Yes, if there is a Government of Canada advisory in place to avoid non-essential travel OR to avoid all travel that affects your booking, you may submit a cancellation claim for non-refundable travel expenses. If you want to cancel if travelling to a destination where there is no government advisory, check if you have Cancel for Any Reason coverage for a partial refund of your insured trip amount.

I am already booked to travel to a country or region where there is a Government of Canada advisory in effect to avoid all non-essential travel OR to avoid all travel, but I have not left yet and I still want to go. Will I be covered under my CAA Medical Insurance?

For CAA Medical Insurance policies purchased March 1, 2020 or later, you will be covered for any other Emergency Medical benefits as outlined in the policy that are unrelated to a current Government of Canada Advisory to avoid travel to your destination. Policies purchased prior to March 1, 2020 associated with travel to areas where there is a Government of Canada advisory in place to avoid all non-essential travel OR to avoid all travel would NOT be covered for anything related to COVID-19, or anything outlined in a current travel advisory.

I have travelled to a country or region before the current government advisory was put in place and am still there. Am I covered under my CAA Medical Insurance?

Yes. 

If I book to travel to a country or region that now has a government advisory in place stating to avoid all non-essential travel, will I be covered to cancel under CAA Cancellation Insurance?

You would NOT be covered to cancel, unless the reason for the cancellation is unrelated to the government advisory.

Can I buy CAA Travel Trip Cancellation Insurance now and still be covered if a future travel advisory is provided for my destination to avoid non-essential travel or avoid all travel relative to COVID-19 and I want to cancel before I depart?

There are specific requirements in that must be in place at the time of purchase for trip cancellation insurance – we recommend you speak directly with your travel insurance provider for details.

I'm in a country or region that now has a government advisory in place stating to avoid all non-essential travel and I want to come home early to avoid catching this. Is there a benefit to cover my early return?

Call your insurance company and speak with them to find out if there are options for you.

I'm in a country or region that now has a government advisory in place stating to avoid all non-essential travel and I have been diagnosed with COVID-19/have been to an affected area and cannot fly home on my return date. Will travel insurance cover any of the extra expenses?

If you have trip cancellation and interruption insurance, and can't return home on your scheduled return date, you may be eligible to make a claim. In all cases, call your travel insurance provider to explain your situation and get clarification on your insurance benefits. Make sure to get as much documentation from the medical facility as possible and keep all your receipts. If your return home is delayed, what you’ll need is documentation from the treating physician in addition to your receipts. Make sure to call your insurance company to confirm all your benefits as each policy is slightly different.

I am in a country or region that has just become quarantined. If I'm permitted to leave, can i return home early?

      • Travel medical insurance: There is no benefit to help return you home early.
      • Trip cancellation and interruption insurance: Yes, in this case you may be eligible to submit expenses related to returning home early.  

Contact your airline and the Canadian consulate to find out if there are any flight options available to you to leave the country.

I am in a country or region that now has become quarantined. Will my insurance be extended and what do I have to do?

Contact your travel insurance company to inquire about extending your travel insurance coverage while you are quarantined.

I have trip cancellation and interruption insurance and I am travelling to the Southern USA next month. All the media attention that Coronavirus is getting has made me nervous and I don't want to travel. Can I cancel my trip and get a refund?

If the Government of Canada hasn't issued an advisory to avoid non-essential travel or avoid all travel for your destination/region, you may not receive reimbursement for non-refundable, pre-paid travel expenses. However, if your travel insurance policy has a Cancel for Any Reason benefit, you may apply for partial reimbursement for your travel expenses after you've cancelled your trip.

What can I do to get advice on this issue?

If you have questions on your travel insurance benefits and you purchased your policy from CAA Niagara, please use the following contact info:

If you are in a country or region that has had travel restrictions placed on it due to COVID-19 and don't know what to do, contact the Government of Canada's consulate in that country or go to travel.gc.ca for assistance.

Call your travel insurance provider if you have any other questions about travel insurance.


1CAA Travel Insurance is underwritten by Orion Travel Insurance Company, a CAA Company. Certain exclusions, limitations and restrictions apply. Medical Questionnaire may be required. 

2CAA Assistance is provided by Active Care Management Inc.

Tags: Travel Insurance

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