What to Know and Expect When Travelling Out of Country

Updated: Dec 3, 2021

With borders opening and many Canadians looking forward to travel, it’s important to refresh our teams about travel insurance and what to expect.


Unexpected events can happen at any time, anywhere. Everything from political unrest to extreme weather or contagious diseases impact travel. While the number of Canadians crossing borders decreased significantly in 2021, this is not expected to continue.


Considerations When Travelling in the Time of COVID

Government and health authority restrictions have changed travel. Even travel by car can post risk, so make a plan of what to do if you experience an emergency.


Review the Government of Canada Travel Advice and Advisories listing when you book and prior to leaving to make sure you have the most up-to-date information.


Keep up to date on the COVID-19 situation at home and at your destination. The spread of Covid-19 seems to rise, fall and rise again. Areas that appear to be stable can see unexpected spikes in cases.


Increased cases can change entry and exit requirements without notice. New variants continue to emerge, so the situation is far from stable internationally.


For example, some destinations could require you to quarantine upon arrival and after returning home. You may also need to be tested for COVID-19 symptoms at the airport.


Travel insurance that is included with group benefits plans would cover your employees if they require emergency medical assistance as a result of COVID, but any costs incurred to receive a diagnosis, quarantine, or alter a trip would not be covered.


Benefit plans that include trip cancellation coverage would not cover cancellation as a result of COVID-19 because it is considered a “known event” at the time of booking.


Plan members should be reminded to review their benefits booklet and ensure they know how to contact their insurer in the event of an emergency.


The following sites can help plan members plan their trip and prepare for the unexpected:

Plan members who do a bit of work up front can potentially avoid a stressful, costly situation while travelling.