What CAA Members need to know about COVID-19.

Yes, you can continue to purchase travel insurance for future travel. Please note that any COVID-19 related 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.

If you purchased a MEDICAL INSURANCE plan: 
Yes, you can receive a full or partial refund; as per policy terms and conditions, provided no claims have been made.

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. COVID-19 related claims would not be covered.

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.

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. 

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

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. We encourage travellers to accept any voucher or future travel credit, as CAA Travel Insurance is extending coverage to the voucher / future travel credit. Travel vouchers/credits for future travel offered by travel suppliers are considered refunds.

Upon receipt of voucher/travel credit from the travel provider, CAA's Trip Cancellation and Interruption Insurance will provide coverage for this future travel voucher/credits (covering only the original sum insured) until you re-book the trip. If the voucher/credit is not redeemed, a trip cancellation claim may be submitted for the value of the voucher/credit.

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 visiting: https://claims.acmtravel.ca/accounts/login/

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.

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

Travellers who have a Trip Cancellation and Interruption policy are eligible to submit a claim related to expenses to return to Canada earlier or later than expected. You are 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.

Extension to Single Trip/Top Up: Yes, you can purchase an extension to the original policy while at destination, and no claims have been made. As this is a change to the coverage period after the March 13th 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.