What travellers need know about COVID-19

May 25, 2021 | CAA Insurance

Blog-Featured-Coronavirus

Last updated: June 4, 2021

As the Novel Coronavirus (COVID-19) continues to impact the travel industry, ultimately causing uncertainty for our Members and the community, CAA Niagara remains committed to providing up-to-date information to our clients.

An overview of the impact of COVID-19 to consider:

  • Many airlines have cancelled flights and are imposing new restrictions with little notice.
  • Canadian government and many other countries have placed border restrictions.
  • Global Affairs Canada has advised all travellers to avoid non-essential travel outside of Canada until further notice. Travel advice and advisories are updated regularly.
  • Many travel providers and tour operators have made adjustments to itineraries.

Journeys by CAA Niagara Multi and Day Tours:

Due to the current Covid-19 restrictions, upcoming Journeys Multi and Day tours have been cancelled or postponed. We continue to plan tours in order to be ready for when these restrictions are lifted. For a full list of tours, visit our tour listings.

Need more information or cancelling an upcoming trip?

  • Consult your airline, tour operator, or CAA Travel Agent
  • Carefully review your travel insurance policy to fully understand your coverage level and how any travel restrictions may impact you

For COVID-19 related trip cancellation and interruption claims:

  • Follow these steps:
  • Step 1: Contact your travel provider to cancel your trip.
  • Step 2: Have your travel provider send confirmation of their cancellation/refund policy and/or voucher/credits details that have been issued.
  • Step 3: Open a claim by clicking here.

Frequently Asked Questions:

Does CAA Niagara recommend travel right now?

CAA Niagara continues to support the government of Canada advisory to avoid non-essential travel due to COVID-19. Your health and safety remains our top priority. We recognize, however, that travel is a personal choice and recommend purchasing Orion travel insurance through CAA if you do take a trip. Orion Travel Insurance has made changes to their policy effective April 26, 2021, to include COVID medical coverage up to $2.5 million for eligible vaccinated travellers who need to travel under a Level 3 government travel advisory. Please review the endorsement coverage provided with your insurance policy to clearly understand the criteria and benefits for this coverage. This coverage does not apply if you’re on a cruise or travelling to a destination listed in a Level 4 government advisory to Avoid All Travel. Click here to learn more.

Can I still purchase travel medical insurance and/or trip cancellation and interruption for future planned trips?

Yes, you can purchase travel insurance for future travel. Please note that any COVID-19 related trip cancellation and interruption claims will not be eligible for coverage, if the policy is issued and the departure date is after the Global Travel Advisory, or while the travel advisory continues to be in place.

For emergency Medical insurance, Effective April 26, 2021, Orion has made changes to CAA Travel Insurance* policies to include COVID medical coverage up to $2.5 million for eligible vaccinated travellers who need to travel under a level 3 government travel advisory (avoid all non-essential travel). Please review the endorsement coverage provided with your insurance policy to clearly understand the criteria and benefits of this coverage. This coverage does not apply if you are on a cruise or travelling to a destination listed in a level 4 government advisory to Avoid All Travel. Click here to learn more.

Can I get a refund on my travel insurance premium?

If you purchased a Medical Insurance plan you are eligible to receive a full or partial refund; as per policy terms and conditions, provided no claims have been made.

What does this government travel advisory mean to my travel medical coverage and how does it impact my coverage?

If departure from Canada was PRIOR to the Global Affairs Canada travel advisory, medical insurance would not be impacted by the advisory.

If departure was AFTER the Global Affairs Canada travel advisory, medical expenses unrelated to the travel advisory (COVID-19) would be eligible for coverage according to the terms and conditions of the policy.

Effective April 26, 2021, Orion has made changes to CAA Travel Insurance* policies to include COVID medical coverage up to $2.5 million for eligible vaccinated travellers who need to travel under a level 3 government travel advisory (avoid all non-essential travel). Please review the endorsement coverage provided with your insurance policy to clearly understand the criteria and benefits of this coverage. This coverage does not apply if you are on a cruise or travelling to a destination listed in a level 4 government advisory to Avoid All Travel.

Please note, if your policy is set to expire, you will need to speak with your travel insurance professional as an extension or top up coverage may not offer coverage for COVID-19 related expenses.

Can I extend my coverage or purchase a top up for my travel medical insurance if I do not want to come back to Canada?

Yes, you can purchase an extension/top up to the original policy while at destination, as long as no claims have been made. As this is a change to the coverage period after the Global Affairs Canada travel advisory was issued, there would be no coverage for the COVID-19 related expenses.

Ontario residents must adhere to the Ontario Government Health Insurance Plan maximum days of 212 days in a 12-month period, without authorization, or coverage will be limited to $25,000.

Note: the extension/top-up must be purchased prior to expiry of the current travel insurance policy.

What if I cannot return to Canada due to circumstances outside of my control?

You will need to contact your travel insurance professional and discuss the situation directly with them.

Travel providers are issuing future travel vouchers/credits. Can I still get a cash refund against my insurance for my trip?

Travellers are eligible to submit a claim for pre-paid, non-refundable amounts if coverage was purchased prior to the Global Affairs Canada travel advisory. If cancellation is made by travel supplier or the trip did not depart, travellers must accept any voucher or future travel credit. Travel vouchers/credits for future travel offered by travel suppliers are considered refunds.

Although Canadians cannot travel at this time, we want you to know that your current CAA Travel Insurance policy containing trip cancellation coverage will protect the future travel credits you have received as a result of a COVID-19, until you rebook your trip. In essence, you are covered if you are unable to use your travel credit because of the undelivered travel services due to the default of the travel supplier (see your policy for further coverage details). You are also covered if the voucher expires before you are able to rebook your travel arrangements.

Your policy will also cover your new trip when booked within a year of your original travel date, for the original amount insured. You will be able to purchase additional coverage if your new trip is of a higher value.

What happened if I make a payment towards a travel package after the advisory was released? Will it be covered?

If the trip cancellation policy was purchased prior to the date of the Global Affairs Canada travel advisory, only the penalty amount that was in place up to that date would be protected.

Is travel within Canada included under the Global Affairs Advisory to avoid all non-essential travel?

The Global Affairs Advisory states to avoid non-essential travel outside of Canada until further notice and does not apply to travel within Canada.

All Canadians have been asked to come back home, will I be covered under my trip cancellation and interruption for any expenses incurred?

Travellers who have a Trip Cancellation and Interruption policy may be eligible to submit a claim related to expenses to return to Canada earlier or later than expected. You may be eligible for Trip Interruption coverage if you departed before the advisory was in effect and had to interrupt the trip due to the advisory. You can submit a claim online

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

Extension to Single Trip/Top Up: Yes, you can purchase an extension to the original policy while at destination, if no claims have been made. As this is a change to the coverage period after the March 13th, 2020 Global Affairs Canada travel advisory there would be no coverage for any COVID-19 related expenses. Please contact your travel insurance professional to add a Top Up to your original policy.

New Top Up: Yes, you can purchase a Top Up, however, as it is a new policy, and purchased after the Global Affairs Canada travel advisory of March 13th there would be no coverage for any COVID -19 related expenses.

CAA Niagara would like to thank all our Members for their patience and understanding.  We appreciate your understanding as we give each situation the time and attention that it deserves.


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, Community, Insurance

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