With the federal response to COVID-19, it’s encouraged for travelers to either retreat home or stay put until this quarantine period passes. Those who are traveling or plan on traveling are now needed to reconsider, especially in regards to travel insurance. Travel insurance companies are quickly needing to evolve during this pandemic to consider sudden trip cancellations, interruptions, or rescheduling.
Staying inside is the fast way to flatten the curve, and coverage needs to reflect this need. On March 13, 2020, the Government of Canada advised a halt to all non-essential traveling outside of Canada for the time being. If you booked a trip traveling outside Canada with a policy that includes coverage for cancellations or interruptions, you may be covered if booked before this was issued by the Government of Canada. If you’ve booked a trip after this travel advisory declaration, your chances of coverage may decline. To avoid sudden costs or find your best travel insurance to suit coronavirus adjustments, read our tips below.
Consider Coverage Extension
Consider Coverage Extension – Contact your insurance company to see if they offer coverage extension options until the travel advisory relieves travel restrictions. If you aren’t reasonably able to return to Canada, this may be your best option since there isn’t a clear timeline. Although this may be a large inconvenience, immediate actions result in more immediate solutions. Not only is public safety guaranteed, but the faster you can return to your regular routine. For more information, read here.
Insurance Has You in Mind
Although there’s been a scalable increase in travel with millennials, fewer people seem to consider travel insurance. The extra expense may feel unnecessary until emergency hits. Don’t travel uninsured, especially if you or close ones have serious medical concerns. If you are a company that is currently reviewing their travel insurance benefits for their employees, Read more tips here. Before COVID-19’s outbreak, there has been a shift to remote and freelance work, and employees consider vacation time whenever possible. Post-corona, we may possibly see an even larger increase in these numbers, and an update travel plan may be a good idea. As an employee, read more about how to navigate this here for future reference.
View Emergency Medical Insurance Updates
As of March 13, some insurance companies won’t cover emergency medical needs if you do contract COVID-19 and travel to destinations the Government of Canada has advised to avoid. Any medical claims in regards to coronavirus will be negated to encourage everyone to stay inside. If you’ve been quarantined out-of-country during the locked down, your Emergency Out-of-Province/Country coverage will be extended until you’ve been released or reached a stable state with most insurance companies. View your plan for specific terms and policies.
A pandemic isn’t the only reason to consider traveling coverage, as there are no guarantees or assurance when leaving home. Every time you travel, you put yourself at risk to any sort of emergency, and insurance helps you decrease or better solve those potential risks.
Worst Case Scenario, Rebook
Taking your annual two weeks may require a lot of planning ahead, and this sudden change of plans may seem like it’s happening at the worst time possible. Keep in mind the intensity of this issue, and that containment is imperative to fixing it. Worst case scenario, rebook your travel plans to a further date or put them on hold for the time being as we work through this as a global community. As this is temporary, it’s everyone’s duty to remedy it as quickly as possible. On behalf of all parties, compliance is conducive to the cure.
No more than ever, avoid non-essential travel, but if you must travel, follow these steps:
- Wiping your seat and surrounding surface before take-off and after landing.
- Wash hands, take vitamins, and carry tissues.
- Avoid as much contact with surfaces or people.
- If showcasing symptoms signs, avoid travel.